JOLISA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of JOLISA is 0.4% (very low). The 2024 annual accounts show equity of €165k and a net result of €35k. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 1398 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 27 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	31-08-2025	31 d late	2025-00485617
31-12-2023	31-07-2024	29-08-2024	29 d late	2024-00443400
31-12-2022	31-07-2023	09-10-2023	70 d late	2023-00484490

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€35k-8.8%

Working capital€-42k-30.6%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~28.7%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	41.1%	43.5%	better than 48% of 1398 sector peers
Net result	€35k	€42k	better than 47% of 1399 sector peers
Equity	€165k	€163k	better than 50% of 1399 sector peers
Gross operating margin	€50k	€72k	better than 41% of 1398 sector peers
Total assets	€401k	€607k	better than 42% of 1398 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P48

Improving position over 2022-2024 · n=866-1398

Net result P47

Weakening position over 2022-2024 · n=866-1399

Equity P50

Stable position over 2022-2024 · n=866-1399

Gross operating margin P41

Stable position over 2022-2024 · n=861-1398

Describes the position versus peers, not a forecast.

EBITDA

€49k

-14.0% 22-24

Net profit

€35k

-8.8% 22-24

Cash flow

€36k

-8.6% 22-24

Total assets

€401k

+0.6% 22-24

Equity

€165k

+27.3% 22-24

Working capital

€-42k

-30.6% 22-24

Income taxes

€9k

-31.5% 22-24

Debt

€236k

-12.3% 22-24

Show 9 other metrics

Debt ≤ 1y

€73k

+21.8% 22-24

Debt > 1y

€163k

-22.0% 22-24

Current ratio

0.42

-8.3% 22-24

Quick ratio

0.42

-8.3% 22-24

Solvency

41.1%

+26.5% 22-24

Debt / equity

1.43

-31.1% 22-24

ROE

21.4%

-28.3% 22-24

ROA

8.8%

-9.3% 22-24

Interest coverage

11.37

-3.0% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	-
EBITDA	€49k
Net profit	€35k
Cash flow	€36k
Staff costs	-
Income taxes	€9k
Dividends	-
Total assets	€401k
Equity	€165k
Debt	€236k
of which ≤ 1y	€73k
of which > 1y	€163k
Working capital	€-42k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.42
Quick ratio	0.42
Working capital ratio	-10.5%
Solvency	41.1%
Debt / equity	1.43
Long-term debt ratio	0.99
Interest coverage	11.37
Gross margin	-
Net margin	-
ROA	8.8%
ROE	21.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €370k · 92.3% Current assets €31k · 7.7%

Equity & liabilities

Equity €165k · 41.1% Debt €236k · 58.9%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€401k
Fixed assets	21/28	€370k
Formation expenses	20	€143
Financial fixed assets	28	€370k
Current assets	29/58	€31k
Amounts receivable within one year	40/41	€15k
Cash & bank	54/58	€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€401k
Equity	10/15	€165k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€160k
Amounts payable	17/49	€236k
Amounts payable after one year	17	€163k
Amounts payable within one year	42/48	€73k
Trade debts payable within one year	44	€7k
Income statement
Gross operating margin	9900	€50k
Operating result	9901	€49k
Financial income	75	€32
Financial charges	65	€4k
Result before taxes	9903	€44k
Income taxes	67/77	€9k
Net result for the period	9904	€35k
Result to be appropriated	9905	€35k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

56 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Connections & network

1 connected company

Group structure

DELIN

We sit on their board · 1 location

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party

JOLISABE 0779.381.142

controls

Where this company holds controlthis company sits on their board1

DELIN

1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

3 companies at this address See who is registered here

Establishment units

1 location

JOLISA

Duinenstraat 185, 8450 BredeneOverige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

since 20212.325.791.170

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area261 m²

Buildings1

Building footprint230 m²

Volume (LiDAR)2,084 m³

Tallest building15.3 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)