Losses
-€34,568 in four years
Every financial year from 2022 to 2025 closed with a loss. 2022 was the heaviest.
JOLIN(E)
Overview
Lifetime
4 annual accounts with figures on one time axispeak €942 (2024)
-€786▼ €1,728
lowest -€11,007 (2022)
-€8,329▼ €1,848
peak €191,874 (2022)
€168,313▼ 4.7%
€236▼ 27.8%
Board2 names since 2022
1 directorJocelyne CHRISTIAENS
Documentsfilings and deeds
04-06-202657 days before the deadline
2025micro format
Gross margin from €942 to -€786Loss of €8,329Debts from €327 to €236
Key points
from the 2025 annual accountsFilings
4 annual accounts since 2022
The last four annual accounts were filed 7 to 57 days before the end of the period.
Position in the sector
99.9%
Higher solvency than 95% of companies in real estate. Sector median 28.9% · 17,185 companies.
Turnover not published (micro format)
Checked score
95
Excellent
Financially stronger than 59% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025highest value
06-2025: 0.1%● unchanged vs 05-2025
07-2025: < 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: 0.1%▲ +0.1 percentage points vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: < 0.1%▼ -0.1 percentage points vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €8,329, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 379.67, cash €88,518
Sector: Real estate activities (NACE 68)
Equity €168,313 (99.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 98% on liquidity, 15% on profitability and 34% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,145 companies had the same profile as JOLIN(E) has now. Each dot stands for 6 companies, two years later.
91.7%
were still trading
5.9%
stopped another way
2.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JOLIN(E) itself is lower: < 0.1% within 12 months. It rests on far more data about JOLIN(E) than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,145 companies, not a prediction for JOLIN(E). The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €15,000 on 30-day terms is acceptable
Short-term debt is 0.1% and cash 52.5% of total assets. 0.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year -€8,329
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 04-06-2026, 57 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
57 days early
2024
38 days early
2023
28 days early
2022
7 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 33 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Incorporation
Demerger: FONCIERE JEMO splits off to IMMODOMI · Capital contribution of €202,880.99 · Issue of 1,378 shares · published on 22-08-2022 · Gazette deed
First establishment
Rue de Corthys 12, Hannut
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JOLIN(E) Hannut | €168,549 | -€786 | 99.9% | - |
| STIRA Amay | €142,178 | -€1,975 | 91.8% | - |
| Azarel Nivelles | €173,164 | -€2,112 | 31.6% | - |
| Safety Protection & Security Services Brecht | €159,613 | -€16,682 | -132.9% | - |
| The Experience Group Mechelen | €146,218 | -€4,174 | -10.6% | - |
| PALLADINI Genk | €139,254 | -€6,069 | -23.0% | - |
| VINCENT MIL IMMO Ans | €167,602 | €1,480 | -42.4% | - |
These companies have the same main activity as JOLIN(E): renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €139,000 and €173,000, founded between 2020 and 2023.
Official details
Source: KBO- Status
- Active since 05-08-2022Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Establishment unit
- 2.338.776.9954280 Hannut, since 05-08-2022
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- -€786
- €8,329▲ 28.5%
- €168,313▼ 4.7%
- €168,549▼ 4.8%
- Filing
- Filed on 04-06-2026, 57 days before the end of the filing period
Insights on JOLIN(E)
JOLIN(E) files the micro format. That format states no turnover. The gross margin rose from -€4,996 in 2022 to -€786 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 04-06-2026, 57 days before the deadline-€786
▼ €1,728
-€8,284
▼ €1,850
-€8,329
▼ €1,848
€89,309
▼ 8.2%
99.9%
unchanged
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €168,549 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
99.9%
Higher than 95% of 17,185 companies in 2025.
-
Higher than 84% of 16,290 companies in 2022.
-4.9%
Higher than 17% of 16,861 companies in 2025.
JOLIN(E)
Middle half of the sector
80% of the sector
Micro accounts in real estate (NACE 68)
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
168,549 | 176,968 | 183,122 | 217,824 | |
21/28 |
79,004 | 79,394 | 86,269 | 93,143 | |
22/27 |
79,004 | 79,394 | 86,269 | 93,143 | |
22 |
79,004 | 79,394 | 86,269 | 93,143 | |
29/58 |
89,545 | 97,574 | 96,853 | 124,680 | |
40/41 |
- | - | - | 1,493 | |
41 |
- | - | - | 1,493 | |
54/58 |
88,518 | 86,168 | 89,941 | 122,298 | |
490/1 |
1,027 | 11,406 | 6,912 | 890 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
168,549 | 176,968 | 183,122 | 217,824 | |
10/15 |
168,313 | 176,642 | 183,122 | 191,874 | |
10/11 |
99,921 | 99,921 | 99,921 | 99,921 | |
13 |
59,039 | 59,039 | 59,039 | 59,039 | |
133 |
59,039 | 59,039 | 59,039 | 59,039 | |
14 |
9,352 | 17,681 | 24,161 | 32,913 | |
17/49 |
236 | 327 | - | 25,950 | |
42/48 |
236 | 327 | - | 25,950 | |
44 |
- | 327 | - | - | |
440/4 |
- | 327 | - | - | |
47/48 |
236 | - | - | 25,950 | |
| Income statement | |||||
9900 |
-786 | 942 | -1,428 | -4,996 | |
630 |
6,981 | 6,875 | 6,875 | 5,651 | |
640/8 |
517 | 502 | 482 | 315 | |
9901 |
-8,284 | -6,434 | -8,784 | -10,962 | |
75/76B |
- | - | 82 | - | |
75 |
- | - | 82 | - | |
65/66B |
45 | 47 | 50 | 45 | |
65 |
45 | 47 | 50 | 45 | |
9903 |
-8,329 | -6,480 | -8,752 | -11,007 | |
9904 |
-8,329 | -6,480 | -8,752 | -11,007 | |
9905 |
-8,329 | -6,480 | -8,752 | -11,007 | |
| Appropriation of the result | |||||
9906 |
9,352 | 17,681 | 24,161 | 32,913 | |
14P |
17,681 | 24,161 | 32,913 | 43,920 | |
791/2 |
- | - | - | 9,992 | |
691/2 |
- | - | - | 9,992 | |
6921 |
- | - | - | 9,992 | |
| Document | |||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 04-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| -1,303 | 441 | -1,910 | -5,311 | ||
| -1,348 | 394 | -1,877 | -5,356 | ||
| 6,590 | 0 | 0 | 27,661 | ||
| 2,351 | -3,774 | -32,356 | - | ||
| 89,309 | 97,247 | - | 98,730 | ||
| 99.9% | 99.8% | 100.0% | 88.1% | ||
| - | - | - | 4.80 | ||
| 0.00 | 0.00 | - | 0.14 | ||
| -4.9% | -3.7% | -4.8% | -5.7% | ||
| -4.9% | -3.7% | -4.8% | -5.1% | ||
| -28.96 | 9.48 | -38.58 | -117.92 |
A ratio outside any meaningful range has been withheld (balance sheet total €168,549, equity €168,313).
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €6,590 | - | - | €27,661 |
| €6,981 | €6,875 | €6,875 | €5,651 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on JOLIN(E)
The operating result for 2025 is a loss of €8,284, larger than the loss of €6,434 in 2024.
Debt's share of the balance-sheet total stays at 0.1%.
Board & ownership
Board
1 director, 1 auditor, no change since August 2022Director (not named in the articles)
since 05-08-2022
term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 04-06-2026
Rapport apport en nature article 5:7 csa, permanent representative Grace GARRAIS
appointed by deed of 22-08-2022
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 11. Pouvoirs de l'organe d'administration S'il n'y a qu'un seul administrateur, la totalité des pouvoirs d'administration lui est…”deed of 22-08-2022
Mandates through the years
2 names, the dashed line is todayJocelyne CHRISTIAENS
Director (not named in the articles)
Director (not named in the articles)
REWISE
Rapport apport en nature article 5:7 csa
Rapport apport en nature article 5:7 csa
Board
Mandates as a list
- Jocelyne CHRISTIAENS
- Director (not named in the articles), from 05-08-2022 to date
- REWISE
- Rapport apport en nature article 5:7 csa, appointed by deed of 22-08-2022, still in office
Control
Capital
- Contribution
- €99,921.29
- Source
- 2025 annual accounts
Articles of association
deed of 22-08-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitie cedant moitie acquereurs au prorata, memes formalites si non actionnaires de plein droit”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of May at 18:00
Network & group
No group
JOLIN(E) has no parent and no holdings in its annual accounts. Jocelyne CHRISTIAENS is the only director.
Acquisitions and mergers
4 transactionsSplit off to:IMMO FABI
Split off to:IMMO FREREDGE
Split off to:IMMODOMI
Split off to:MGC IMMO
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
CHRISTIAENS BETON
via Jocelyne CHRISTIAENS · Director · deed of 15-02-2023
Founded in 1989 · 20 FTE (2025)
→
Timeline
Timeline
6 events since 2022Filings
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed PDFmicro format · 57 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 38 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 28 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 7 days before the deadline
2022
IncorporationDemerger: FONCIERE JEMO splits off to IMMODOMI · Capital contribution of €202,880.99 · Issue of 1,378 shares · published on 22-08-20228 points ▸
- General meeting, 26-07-2022
- Accounting effect, 01-01-2022
- Auditor appointment, REWISE (rapport apport en nature article 5:7 csa)
- Power of attorney, mandataire(s) ci-dessus désigné(s)
- Share issue, 202880.99
- Capital contribution, €202,880.99
- Director appointment, CHRISTIAENS Jocelyne Jenny Françoise (director (not named in the articles))
- Registered office clause, rue de Corthys 12, 4280 Hannut (Cras-Avernas)
- The deed holds 39 more points.
First establishment Rue de Corthys 12, Hannut
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 5 August 2022, JOLIN(E) was incorporated as a private limited company.1 Jocelyne CHRISTIAENS has served as director since 2022.2 Total assets went from €217,824 in 2022 to €168,549 in 2025.3
Company details
Identity
- Enterprise number
- 0789.412.724
- VAT number
- BE 0789.412.724
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 05-08-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of May at 18:00deed of 22-08-2022 (in French)
- Peppol
- Not found in the Peppol Directory
- Name
- JOLIN(E) in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 22-08-2022 (in French)
Activities
NACEBEL 202568201
Renting and operating of own or leased residential real estate, excluding social housing main activity
Codes under NACEBEL 2008
68201
Real estate activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations généralement quelconques relatives à l'acquisition,la vente,la location et la gestion en général de biens immeubles et de…”deed of 22-08-2022 (in French)
4 activities
- Toutes opérations généralement quelconques relatives à l'acquisition,la vente,la location et la gestion en général de biens immeubles et de droits immobiliers
- Elle fournira aussi des travaux de gestion d'entreprise et de tenue de comptabilité
- Elle peut s'intéresser par toutes voies à toute société ou entreprise ayant un objet similaire ou connexe au sien ou dont l'objet serait de nature à faciliter,même indirectement la réalisation du sien
- Elle peut même conclure toutes conventions de collaboration,de rationalisation,d'association ou autres avec de telles sociétés ou entreprises
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de Corthys 12 registered office 4280 Hannut | 05-08-2022 | 2.338.776.995 |
Buildings and parcels at the address
- Ground area
- 1,234 m²
- Buildings
- 115 m²
- Volume, LiDAR
- 962 m³
- Tallest building
- 10.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 64019B0390/00X000 | 1,234 m² | 1 · 115 m² | 10.5 m · 3 |