JOLY
JOLY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €3.84M and a net result of €1.10M. Equity is growing by ~39.6% per year across the filed fiscal years. Its solvency ranks better than 28% of 678 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €3.84M |
| Net result | €1.10M |
| Better than sector | 28% |
| Active | 4 yrs |
Mixed profile: strong on profitability, weaker on health.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 20.7% | 44.9% | |
| Net result | €1.10M | €48k | |
| Equity | €3.84M | €1.36M | |
| Total assets | €18.53M | €5.58M |
| Fiscal year | 2024 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €1.10M |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €18.53M |
| Equity | €3.84M |
| Debt | €14.69M |
| of which ≤ 1y | €1.34M |
| of which > 1y | €13.36M |
| Working capital | n/a |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 20.7% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 5.9% |
| ROE | 28.6% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €18.53M |
| Fixed assets | 21/28 | €18.00M |
| Financial fixed assets | 28 | €18.00M |
| Current assets | 29/58 | €532k |
| Amounts receivable within one year | 40/41 | €403k |
| Cash & bank | 54/58 | €129k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €18.53M |
| Equity | 10/15 | €3.84M |
| Contributions / capital | 10/11 | €572k |
| Reserves | 13 | €57k |
| Accumulated profits (losses) | 14 | €3.21M |
| Amounts payable | 17/49 | €14.69M |
| Amounts payable after one year | 17 | €13.36M |
| Amounts payable within one year | 42/48 | €1.34M |
| Income statement | ||
| Turnover | 70 | €2k |
| Operating result | 9901 | €-379 |
| Financial income | 75 | €1.28M |
| Financial charges | 65 | €185k |
| Result before taxes | 9903 | €1.10M |
| Net result for the period | 9904 | €1.10M |
| Result to be appropriated | 9905 | €1.10M |
| NACE primary | Financial services(64210) |
| Legal form | Public limited company(014) |
| Incorporation | 15-09-2021 |
| Status | Active |
| Postal code | 4020 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62113B0782/00E003 | Wallonia | 2.2 ha | 1 · 603 m² | 8.3 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
01-04-2022 Transaction in capital or shares
Technical details
{
"events": [
{
"kind": "agio_incorporation",
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"delta_eur": null,
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"decrease_purpose": null,
"contribution_type": "reserves_incorporation",
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"n_shares_destroyed": null,
"not_yet_called_eur": null,
"merger_new_shares_n": null,
"merger_exchange_ratio": null,
"distribution_amount_eur": null,
"statutory_unavailable_equity_op": null
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": "Li\u00E8ge",
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": null,
"filing_date": "2021-09-30",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decision": {
"body": "notarieel_alleen",
"act_date": "2022-03-23",
"unanimous": null,
"under_authorized_capital": false,
"underlying_resolution_date": "2021-09-30"
},
"bedrijfsrevisor": {
"waived": false,
"firm_kbo": null,
"firm_name": null,
"ibr_number": null,
"mission_type": "quasi_apport",
"individual_name": null
},
"subject_company": {
"kbo": "0773.919.745",
"name_full": "JOLY",
"legal_form": "Soci\u00E9t\u00E9 anonyme",
"is_foreign_registered": false
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Julie HUYNEN",
"org_rep_person_name": null,
"person_role_at_subject": "Mandataire"
},
"co_filed_documents": [
"expedition",
"plan financier",
"bankattest",
"verslag bedrijfsrevisor"
],
"shareholders_after": [],
"share_classes_after": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | JOLY |