JOLY'S COLLECTIONS
ActiveJOLY'S COLLECTIONS has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €860k and a net result of €117k. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 7983 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-9
Solvency86▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 10.13 in 2024; short-term debt: 35.3% and cash: 40.9% of total assets), and 39% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
61%
Return on assets
8.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
22 d late
2023
30 d late
2022
31 d late
2021
44 d early
2020
20 d late
2019
112 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€117k▼ 36.3%
2024 · €184k
2018: €39k
2019: €108k
2020: €135k
2021: €231k
2022: €128k
2023: €262k
2024: €184k
2018 → 2025
Working capital
€689k▼ 26.8%
2024 · €941k
2018: €-115k
2019: €58k
2020: €156k
2021: €307k
2022: €450k
2023: €712k
2024: €941k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€557k-€674k▲ 21.1%€929k▲ 37.8%€1.11M▲ 19.0%€860k▼ 22.2%
Operating result€334k-€180k▼ 46.0%€378k▲ 110%€264k▼ 30.2%€166k▼ 37.1%
Net result€231k-€128k▼ 44.8%€262k▲ 105%€184k▼ 29.7%€117k▼ 36.3%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€223k▲ 29.9%
Current assets
€1.19M▲ 13.6%
Equity and liabilities €1.41M
Equity
€860k▼ 22.2%
Debt
€549k▲ 399%
The debt ratio rises from 9.1% to 39.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€207k▼
2024 · €317k
Cash flow
€159k▼
2024 · €238k
Solvency
61.0%▼
2024 · 90.9%
Current ratio
2.39▼
2024 · 10.13
Quick ratio
2.11▼
2024 · 8.60
Debt / equity
0.64▲
2024 · 0.10
ROE
13.7%▼
2024 · 16.7%
ROA
8.3%▼
2024 · 15.2%
Interest coverage
60.97▼
2024 · 67.31
Debt
€549k▲
2024 · €110k
Debt ≤ 1 year
€497k▲
2024 · €103k
Debt > 1 year
€52k▲
2024 · €7k
Income taxes
€53k▼
2024 · €81k
Staff costs
€95k▼
2024 · €135k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.22M€1.41M▲
Fixed assets21/28€171k€223k▲
Tangible fixed assets22/27€170k€222k▲
Land and buildings22€149k€113k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€21k€91k▲
Assets under construction and advance payments27-€17k
Financial fixed assets28€1k€1k=
Current assets29/58€1.04M€1.19M▲
Stocks and contracts in progress3€158k€137k▼
Stocks30/36€158k€137k▼
Amounts receivable within one year40/41€297k€446k▲
Trade receivables40€273k€253k▼
Other amounts receivable41€24k€192k▲
Current investments50/53€20k-
Cash at bank and in hand54/58€535k€576k▲
Deferred charges and accrued income490/1€34k€27k▼
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.41M▲
Equity10/15€1.11M€860k▼
Contributions10/11€19k€19k=
Reserves13€907k€661k▼
Distributable reserves133€907k€661k▼
Profit (loss) carried forward14€180k€180k=
Amounts payable17/49€110k€549k▲
Amounts payable after more than one year17€7k€52k▲
Financial debts170/4-€45k
Other amounts payable178/9€7k€7k=
Amounts payable within one year42/48€103k€497k▲
Current portion of amounts payable after more than one year42-€11k
Trade debts44€6k€40k▲
Suppliers440/4€6k€40k▲
Advances received on contracts in progress46-€5k
Taxes, remuneration and social security45€90k€78k▼
Taxes450/3€63k€48k▼
Remuneration and social security454/9€27k€30k▲
Other amounts payable47/48€8k€363k▲
Income statement
Code20242025
Non-recurring operating income76A€95€1k▲
Remuneration, social security and pensions62€135k€95k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€42k▼
Other operating charges640/8€25k€35k▲
Non-recurring operating charges66A€1k€15k▲
Gross operating margin9900€479k€351k▼
Operating profit (loss)9901€264k€166k▼
Financial income75/76B€6k€8k▲
Recurring financial income75€2k€6k▲
Non-recurring financial income76B€5k€2k▼
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€265k€171k▼
Income taxes67/77€81k€53k▼
Profit (loss) for the period9904€184k€117k▼
Profit (loss) for the period to be appropriated9905€184k€117k▼
Appropriation of the result
Profit (loss) to be appropriated9906€364k€297k▼
Profit (loss) brought forward from the previous period14P€180k€180k=
Transfer from equity791/2-€356k
Transfer to equity691/2€177k€110k▼
To other reserves6921€177k€110k▼
Profit to be distributed694/7€8k€363k▲
Return on contributions (dividend)694-€356k
Directors or managers695€8k€8k=
Social balance
Average headcount (FTE)90873.73.3▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial
Equity above €1MEq €1.11M ▲19%
7 profitable years in a row build equity to €1.11M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €262k ▲105%
Operating result €378k, net result €262k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 5.86
Current ratio from 2.45 to 5.86; short-term debt falls from €213k to €93k.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €557k ▲65.1%
4 profitable years in a row build equity to €557k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 112 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 1.30
Current ratio from 0.65 to 1.30; short-term debt falls from €325k to €192k.
31-12
Financial
Equity above €200kEq €214k ▲91.2%
2 profitable years in a row build equity to €214k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 3 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
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, Herstal · 2 establishment units since 2002
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.
Rue des Alouettes 314042 HerstalGround area
2.0 ha
Building footprint
4,588 m²
Volume, LiDAR
15,715 m³
3 parcels, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Rue Frédéric-Nyst 67, 4020 Liège
since 20022.075.451.986
Rue des Alouettes 31, 4041 Herstal
since 20022.113.503.009
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62071A0209/04_000 | Wallonia | 1.4 ha | 1 · 2,539 m² | - |
| 62064A0220/00V002 | Wallonia | 5,434 m² | 1 · 1,983 m² | 9.9 m · 2 fl. |
| 62807A1127/00G002 | Wallonia | 75 m² | 1 · 66 m² | 13.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
RIVANCO
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XPECT
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MERA-CLAEYS
BE 0872.885.578
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NYRI
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DE RAAT SECURITY PRODUCTS
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Of 1,170 companies in sector 46499 we hold annual accounts for 743. 506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1995
Fiscal year end31-12
Activities, NACEBEL
46499Wholesale of other household goods
51478
46441Wholesale trade
47120Other non-specialised retail sale
47191Retail trade
47559Retail sale of other household articles
47599Retail trade
47789Other retail sale of new goods
47792Retail sale of second-hand clothing
51441
52122
52442
52498
52502
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.