JOLY CLEANING
ActiveJOLY CLEANING has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €50k and a net result of €4k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 5895 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▼-4
Solvency55▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.54 against 3.38 in 2023; short-term debt: 21.2% and cash: 10.2% of total assets), but 69.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
30.2%
Return on assets
2.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
28 d late
2022
68 d late
2021
30 d late
2020
18 d late
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€50k▲ 8.2%
2023 · €46k
2018: €43k
2019: €31k
2020: €33k
2021: €36k
2022: €38k
2023: €46k
2018 → 2024
Total assets
€167k▲ 4.6%
2023 · €159k
2018: €185k
2019: €162k
2020: €196k
2021: €181k
2022: €161k
2023: €159k
2018 → 2024
Net result
€4k▼ 55.7%
2023 · €9k
2018: €-5k
2019: €-12k
2020: €2k
2021: €2k
2022: €2k
2023: €9k
2018 → 2024
Working capital
€90k▲ 20.1%
2023 · €75k
2018: €33k
2019: €33k
2020: €27k
2021: €37k
2022: €46k
2023: €75k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€33k-€36k▲ 6.5%€38k▲ 6.2%€46k▲ 22.8%€50k▲ 8.2%
Operating result€4k-€4k▲ 9.4%€4k▼ 7.7%€14k▲ 246%€8k▼ 41.1%
Net result€2k-€2k▼ 9.1%€2k▲ 1.1%€9k▲ 290%€4k▼ 55.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 41% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €167k
Fixed assets
€41k▼ 21.7%
Current assets
€125k▲ 17.7%
Equity and liabilities €167k
Equity
€50k▲ 8.2%
Debt
€116k▲ 3.2%
The debt ratio falls from 70.8% to 69.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▲
2023 · €45k
Cash flow
€42k▲
2023 · €40k
Solvency
30.2%▲
2023 · 29.2%
Current ratio
3.54▲
2023 · 3.38
Quick ratio
3.54▲
2023 · 3.38
Debt / equity
2.31▼
2023 · 2.42
ROE
7.6%▼
2023 · 18.5%
ROA
2.3%▼
2023 · 5.4%
Interest coverage
7.58▼
2023 · 10.56
Debt
€116k▲
2023 · €113k
Debt ≤ 1 year
€35k▲
2023 · €31k
Debt > 1 year
€77k▼
2023 · €80k
Income taxes
€3k▼
2023 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€159k€167k▲
Fixed assets21/28€53k€41k▼
Tangible fixed assets22/27€53k€41k▼
Land and buildings22€32k€11k▼
Plant, machinery and equipment23€2k€9k▲
Furniture and vehicles24€16k€6k▼
Other tangible fixed assets26€3k€15k▲
Current assets29/58€106k€125k▲
Amounts receivable after more than one year29€66k€73k▲
Other amounts receivable291€66k€73k▲
Amounts receivable within one year40/41€36k€34k▼
Trade receivables40€34k€24k▼
Other amounts receivable41€1k€10k▲
Cash at bank and in hand54/58€4k€17k▲
Deferred charges and accrued income490/1€592€1k▲
Equity and liabilities
Total equity and liabilities10/49€159k€167k▲
Equity10/15€46k€50k▲
Contributions10/11€7k€7k=
Reserves13€40k€44k▲
Tax-exempt reserves132€16k€16k=
Distributable reserves133€24k€28k▲
Amounts payable17/49€113k€116k▲
Amounts payable after more than one year17€80k€77k▼
Financial debts170/4€80k€77k▼
Amounts payable within one year42/48€31k€35k▲
Current portion of amounts payable after more than one year42€11k€15k▲
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€12k€14k▲
Accrued charges and deferred income492/3€1k€4k▲
Income statement
Code20232024
Non-recurring operating income76A€299-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€38k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€47k€49k▲
Operating profit (loss)9901€14k€8k▼
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€13k€6k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€9k€4k▼
Profit (loss) for the period to be appropriated9905€9k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€4k▼
Transfer to equity691/2€9k€4k▼
To other reserves6921€9k€4k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €9k ▲290%
Operating result €14k, net result €9k, both a record.
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 68 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
18-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lier · 1 establishment unit since 2004
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Tuinweg 532500 LierGround area
3,943 m²
Building footprint
182 m²
Volume, LiDAR
674 m³
Parcel 12393F0466/00G000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JOLY CLEANING
since 20042.138.688.662
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0466/00G000 | Flanders | 3,943 m² | 1 · 182 m² | 7.3 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400V64OM51BIEJX30
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Of 1,706 companies in sector 81230 we hold annual accounts for 473. 353 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2004
Fiscal year end31-12
Activities, NACEBEL
74700
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:joris.lybaert@pandora.be
Phone:0495243010
Fax:032350324