JoLo
ActiveSummary
JoLo has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,000 and a net result of €38,618. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 31942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▲+49
Solvency26▲+5
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
0.8%
Return on assets
6.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31942 sector peers (2025).
NBB · sector comparisonPosition among 31942 sector peers
Solvency
better than 10%
← weakest
strongest →
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 17-04-2026, 105 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
105 d early
2024
26 d late
2023
27 d early
2022
8 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 25 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€5,000
2024 · -€23,191
Total assets
€635,038▲ 3.1%
2024 · €615,904
Net result
€38,618
2024 · -€12,841
Working capital
-€17,402▲ 26.9%
2024 · -€23,822
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€7,023-€2,257▼ 67.9%-€938€62,288
Net result-€6,004below the sector's middle half--€9,346below the sector's middle half▼ 55.7%-€12,841below the sector's middle half▼ 37.4%€38,618within the sector's middle half
Equity-€1,004below the sector's middle half--€10,351below the sector's middle half▼ 931%-€23,191below the sector's middle half▼ 124%€5,000below the sector's middle half
Total assets€645,422above the sector's middle half-€612,276above the sector's middle half▼ 5.1%€615,904above the sector's middle half▲ 0.6%€635,038above the sector's middle half▲ 3.1%
Debt€646,426-€622,626▼ 3.7%€639,095▲ 2.6%€630,038▼ 1.4%
Working capital-€5,584below the sector's middle half--€35,659below the sector's middle half▼ 539%-€23,822below the sector's middle half▲ 33.2%-€17,402below the sector's middle half▲ 26.9%
Solvency-0.2%below the sector's middle half--1.7%below the sector's middle half▼ 1.5pp-3.8%below the sector's middle half▼ 2.1pp0.8%below the sector's middle half▲ 4.6pp
Current ratio0.91below the sector's middle half-0.44below the sector's middle half▼ 0.470.67below the sector's middle half▲ 0.230.82below the sector's middle half▲ 0.15
Return on assets (ROA)-0.9%below the sector's middle half--1.5%below the sector's middle half▼ 0.6pp-2.1%below the sector's middle half▼ 0.6pp6.1%within the sector's middle half▲ 8.2pp
Staff (FTE)0.2-1▲ 400%0.5▼ 50.0%0.7▲ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €62,288 after a loss of €938 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €635,038
Fixed assets
€556,485 ▼ 2.0%
Current assets
€78,553 ▲ 63.6%
Equity and liabilities €635,038
Equity
€5,000
Debt
€630,038
Debt finances 99.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€79,647▲
2024 · €15,559
Cash flow
€55,977▲
2024 · €3,656
ROE
772.4%
Interest coverage
6.30▲
2024 · 1.32
Debt ≤ 1 year
€95,955▲
2024 · €71,848
Debt > 1 year
€534,083▼
2024 · €567,248
Income taxes
€11,071▲
2024 · €155
Staff costs
€11,222▲
2024 · €4,151
A ratio outside any meaningful range has been withheld (balance sheet total €635,038, equity €5,000).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,151 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,151 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €659 | €8,470 | €4,151 | €11,222 | ▲ 170% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,793 | €15,964 | €16,497 | €17,359 | ▲ 5.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €37,500 | €0 | ▼ 100% |
| Other operating charges640/8 | €822 | €4,563 | €2,849 | €11,082 | ▲ 289% |
| Gross operating margin9900 | €10,297 | €31,254 | €60,059 | €101,951 | ▲ 69.8% |
| Operating profit (loss)9901 | €7,023 | €2,257 | -€938 | €62,288 | ▲ 6,741% |
| Financial income75/76B | - | €22 | €0 | €33 | - |
| Recurring financial income75 | - | €22 | €0 | €33 | - |
| Financial charges65/66B | €13,027 | €11,494 | €11,748 | €12,632 | ▲ 7.5% |
| Recurring financial charges65 | €13,027 | €11,494 | €11,748 | €12,632 | ▲ 7.5% |
| Profit (loss) for the period before taxes9903 | -€6,004 | -€9,215 | -€12,686 | €49,689 | ▲ 492% |
| Income taxes67/77 | - | €131 | €155 | €11,071 | ▲ 7,036% |
| Profit (loss) for the period9904 | -€6,004 | -€9,346 | -€12,841 | €38,618 | ▲ 401% |
| Profit (loss) for the period to be appropriated9905 | -€6,004 | -€9,346 | -€12,841 | €38,618 | ▲ 401% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €645,422 | €612,276 | €615,904 | €635,038 | ▲ 3.1% |
| Fixed assets21/28 | €586,283 | €584,375 | €567,878 | €556,485 | ▼ 2.0% |
| Tangible fixed assets22/27 | €583,783 | €581,875 | €565,378 | €553,985 | ▼ 2.0% |
| Land and buildings22 | €576,490 | €573,109 | €558,876 | €548,210 | ▼ 1.9% |
| Furniture and vehicles24 | €7,293 | €8,766 | €6,502 | €5,775 | ▼ 11.2% |
| Financial fixed assets28 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Current assets29/58 | €59,138 | €27,900 | €48,026 | €78,553 | ▲ 63.6% |
| Amounts receivable within one year40/41 | €47,572 | €11,000 | €19,142 | €30,251 | ▲ 58.0% |
| Trade receivables40 | €41,956 | €11,000 | €16,407 | €17,116 | ▲ 4.3% |
| Other amounts receivable41 | €5,616 | €0 | €2,735 | €13,135 | ▲ 380% |
| Cash at bank and in hand54/58 | €10,431 | €11,518 | €24,240 | €44,047 | ▲ 81.7% |
| Deferred charges and accrued income490/1 | €1,135 | €5,382 | €4,645 | €4,255 | ▼ 8.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €645,422 | €612,276 | €615,904 | €635,038 | ▲ 3.1% |
| Equity10/15 | -€1,004 | -€10,351 | -€23,191 | €5,000 | ▲ 122% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€6,004 | -€15,351 | -€28,191 | €0 | ▲ 100% |
| Amounts payable17/49 | €646,426 | €622,626 | €639,095 | €630,038 | ▼ 1.4% |
| Amounts payable after more than one year17 | €580,566 | €558,271 | €567,248 | €534,083 | ▼ 5.8% |
| Financial debts170/4 | €580,566 | €558,271 | €556,848 | €523,683 | ▼ 6.0% |
| Other amounts payable178/9 | - | - | €10,400 | €10,400 | = |
| Amounts payable within one year42/48 | €64,722 | €63,560 | €71,848 | €95,955 | ▲ 33.6% |
| Current portion of amounts payable after more than one year42 | €19,917 | €22,296 | €31,423 | €33,165 | ▲ 5.5% |
| Trade debts44 | €41,326 | €4,184 | €1,186 | €3,710 | ▲ 213% |
| Suppliers440/4 | €41,326 | €4,184 | €1,186 | €3,710 | ▲ 213% |
| Taxes, remuneration and social security45 | €2,859 | €26,394 | €11,966 | €23,653 | ▲ 97.7% |
| Taxes450/3 | €2,295 | €24,342 | €11,966 | €23,653 | ▲ 97.7% |
| Remuneration and social security454/9 | €564 | €2,051 | €0 | - | - |
| Other amounts payable47/48 | €621 | €10,686 | €27,273 | €35,427 | ▲ 29.9% |
| Accrued charges and deferred income492/3 | €1,138 | €796 | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,004 | -€9,346 | -€12,841 | €38,618 | ▲ 401% |
| + Depreciation and write-downs630 | €1,793 | €15,964 | €16,497 | €17,359 | ▲ 5.2% |
| Operating cash flow (approximation) | -€4,211 | €6,617 | €3,656 | €55,977 | ▲ 1,431% |
| Investment in fixed assets (approximation) | - | -€14,056 | €0 | -€5,965 | - |
| Change in cash | - | €1,087 | €12,722 | €19,807 | ▲ 55.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €38,618
Net result €38,618 after 3 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet -€12,841
Net result drops to -€12,841, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Turnhout · 1 establishment unit since 2021
Ground area
204 m²
Building footprint
94 m²
Volume, LiDAR
647 m³
Parcel 13454P0216/00C002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JoLo
since 20212.314.855.411
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13454P0216/00C002 | Flanders | 204 m² | 1 · 94 m² | 10.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 208 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 208 EUR | 0 EUR |
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 15,603 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0764747901
Also
9925:BE0764747901
Registered
08-06-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.