JoLieDel
ActiveSummary
JoLieDel has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €68k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 43% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-1
Solvency73▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.79 in 2024; short-term debt: 45.1% and cash: 78.9% of total assets), but 52% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48%
Return on assets
18.6%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
42 d early
2023
30 d early
2022
33 d early
2021
30 d early
2020
2 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€176k▲ 0.2%
2024 · €175k
2018: €42k
2019: €47k
2020: €86k
2021: €158k
2022: €238k
2023: €98k
2024: €175k
2018 → 2025
Total assets
€366k▼ 8.6%
2024 · €401k
2018: €72k
2019: €61k
2020: €162k
2021: €232k
2022: €293k
2023: €337k
2024: €401k
2018 → 2025
Net result
€68k▼ 13.5%
2024 · €79k
2018: €9k
2019: €5k
2020: €39k
2021: €73k
2022: €80k
2023: €79k
2024: €79k
2018 → 2025
Working capital
€160k▲ 4.3%
2024 · €154k
2018: €42k
2019: €53k
2020: €54k
2021: €127k
2022: €209k
2023: €74k
2024: €154k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€238k▲ 50.2%€98k▼ 58.8%€175k▲ 78.7%€176k▲ 0.2%
Operating result€92k-€100k▲ 9.0%€101k▲ 0.3%€96k▼ 4.2%€88k▼ 8.7%
Net result€73k-€80k▲ 9.6%€79k▼ 0.7%€79k▼ 0.1%€68k▼ 13.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €366k
Fixed assets
€41k ▼ 22.4%
Current assets
€325k ▼ 6.5%
Equity and liabilities €366k
Equity
€176k ▲ 0.2%
Debt
€190k ▼ 15.4%
Debt's share of the balance-sheet total falls from 56.2% to 52.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€107k▼
2024 · €116k
Cash flow
€87k▼
2024 · €98k
Current ratio
1.97▲
2024 · 1.79
Debt to equity
1.08▼
2024 · 1.28
ROE
38.9%▼
2024 · 45.0%
ROA
18.6%▼
2024 · 19.7%
Interest coverage
39.29▼
2024 · 162.55
Debt ≤ 1 year
€165k▼
2024 · €195k
Debt > 1 year
€22k▼
2024 · €30k
Income taxes
€18k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€401k€366k▼
Fixed assets21/28€52k€41k▼
Tangible fixed assets22/27€52k€41k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€45k€31k▼
Other tangible fixed assets26€6k€7k▲
Current assets29/58€348k€325k▼
Amounts receivable within one year40/41€36k€36k▲
Trade receivables40€36k€34k▼
Other amounts receivable41€64€2k▲
Current investments50/53€0-
Cash at bank and in hand54/58€312k€289k▼
Deferred charges and accrued income490/1€840€246▼
Equity and liabilities
Total equity and liabilities10/49€401k€366k▼
Equity10/15€175k€176k▲
Contributions10/11€19k€19k=
Reserves13€157k€157k=
Distributable reserves133€157k€157k=
Profit (loss) carried forward14€296€562▲
Amounts payable17/49€225k€190k▼
Amounts payable after more than one year17€30k€22k▼
Financial debts170/4€30k€22k▼
Amounts payable within one year42/48€195k€165k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€104€1k▲
Suppliers440/4€104€1k▲
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€12k€12k▼
Other amounts payable47/48€174k€144k▼
Accrued charges and deferred income492/3€260€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▼
Other operating charges640/8€740€322▼
Non-recurring operating charges66A€90€0▼
Gross operating margin9900€117k€107k▼
Operating profit (loss)9901€96k€88k▼
Financial income75/76B€4k€977▼
Recurring financial income75€4k€977▼
Financial charges65/66B€712€3k▲
Recurring financial charges65€712€3k▲
Profit (loss) for the period before taxes9903€100k€86k▼
Income taxes67/77€21k€18k▼
Profit (loss) for the period9904€79k€68k▼
Profit (loss) for the period to be appropriated9905€79k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€69k▼
Profit (loss) brought forward from the previous period14P€566€296▼
Transfer from equity791/2€0-
Transfer to equity691/2€78k€0▼
To other reserves6921€78k€0▼
Profit to be distributed694/7€2k€68k▲
Return on contributions (dividend)694€2k€68k▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €175k ▲78.7%
7 profitable years in a row build equity to €175k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €80k ▲9.6%
Net result €80k, the highest in the series.
31-12
Financial
Equity above €200kEq €238k ▲50.2%
5 profitable years in a row build equity to €238k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €158k ▲84.6%
4 profitable years in a row build equity to €158k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €5k ▼44.1%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
Show earlier events
31-12
Financial
Liquidity triplescurrent ratio 8.21
Current ratio from 2.84 to 8.21; short-term debt falls from €23k to €7k.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zonnebeke · 1 establishment unit since 2013
Ground area
275 m²
Building footprint
56 m²
Volume, LiDAR
316 m³
Parcel 33019D0950/00E000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JoLieDel
since 20132.224.322.242
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33019D0950/00E000 | Flanders | 275 m² | 1 · 56 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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J & LO INVEST
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,648 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2013
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46180Agents specialised in the wholesale of other particular products
47400Retail sale of information and communication equipment
62100Computer programming
62200Computer consultancy and computer facilities management
77330Rental and leasing activities
85599Other education
95100Repair and maintenance of computers and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:franky.deleu@telenet.be
Phone:+32 473 540 471