JOLYSignal
ActiveSummary
JOLYSignal has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+4
Solvency54▲+19
Growth85=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.37 in 2024; short-term debt: 45.9% and cash: 1.5% of total assets), but 70.8% 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 · 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
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 →
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
29.2%
Return on assets
10.3%
Age of the figures
9 mo
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 21-05-2026, 71 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
71 d early
2024
29 d late
2023
56 d early
2022
82 d early
2021
135 d early
2020
5 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€186k▼ 3.4%
2022 · €193k
2020: €49k
2021: €134k
2022: €193k
2020 → 2023
EBIT margin
-5.4%▼ 6.0pp
2022 · 0.6%
2020: -30.1%
2021: -5.2%
2022: 0.6%
2020 → 2023
Net result
€8k▼ 29.6%
2024 · €12k
2020: €-15k
2021: €-7k
2022: €1k
2023: €-10k
2024: €12k
2020 → 2025
Working capital
€40k▼ 1.3%
2024 · €41k
2020: €-16k
2021: €-23k
2022: €-22k
2023: €-32k
2024: €41k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€134k-€193k▲ 43.4%€186k▼ 3.4%
Equity€-22k-€-21k▲ 4.7%€-31k▼ 48.6%€15k€23k▲ 54.5%
Operating result€-7k-€1k€-10k€19k€25k▲ 30.7%
Net result€-7k-€1k€-10k€12k€8k▼ 29.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€3k ▲ 137%
Current assets
€77k ▼ 49.3%
Equity and liabilities €80k
Equity
€23k ▲ 54.5%
Debt
€57k ▼ 59.0%
Debt's share of the balance-sheet total falls from 90.2% to 70.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▲
2024 · €19k
Cash flow
€9k▼
2024 · €12k
Current ratio
2.09▲
2024 · 1.37
Quick ratio
0.93▼
2024 · 1.03
Debt to equity
2.43▼
2024 · 9.16
ROE
35.3%▼
2024 · 77.5%
ROA
10.3%▲
2024 · 7.6%
Interest coverage
10.18▼
2024 · 15.42
Debt ≤ 1 year
€37k▼
2024 · €111k
Debt > 1 year
€20k▼
2024 · €27k
Income taxes
€14k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€154k€80k▼
Formation expenses20€645€537▼
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€1k€3k▲
Furniture and vehicles24€1k€3k▲
Current assets29/58€152k€77k▼
Stocks and contracts in progress3€37k€43k▲
Stocks30/36€37k€43k▲
Amounts receivable within one year40/41€112k€32k▼
Trade receivables40€110k€19k▼
Other amounts receivable41€2k€13k▲
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€1k€611▼
Equity and liabilities
Total equity and liabilities10/49€154k€80k▼
Equity10/15€15k€23k▲
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€3k€12k▲
Amounts payable17/49€138k€57k▼
Amounts payable after more than one year17€27k€20k▼
Financial debts170/4€27k€20k▼
Amounts payable within one year42/48€111k€37k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€95k€10k▼
Suppliers440/4€95k€10k▼
Taxes, remuneration and social security45€9k€19k▲
Taxes450/3€9k€19k▲
Other amounts payable47/48-€159
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€349€739▲
Other operating charges640/8€4k€47k▲
Gross operating margin9900€23k€73k▲
Operating profit (loss)9901€19k€25k▲
Financial income75/76B€281€149▼
Recurring financial income75€281€149▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€18k€23k▲
Income taxes67/77€6k€14k▲
Profit (loss) for the period9904€12k€8k▼
Profit (loss) for the period to be appropriated9905€12k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€12k▼
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer to equity691/2€12k-
To other reserves6921€12k-
The notes to these accounts (7 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 1.37
Current ratio from 0.27 to 1.37.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Quiévrain · 1 establishment unit since 2020
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 de Carochette 37380 QuiévrainGround area
2,147 m²
Building footprint
137 m²
Volume, LiDAR
1,328 m³
2 parcels, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JOLYSignal
since 20202.301.458.028
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53008A0199/00S002 | Wallonia | 1,074 m² | 1 · 38 m² | 7.8 m · 2 fl. |
| 53068A1150/00Y005 | Wallonia | 1,074 m² | 1 · 99 m² | 13.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
MRD Selection
BE 0684.794.858
Genk · Eq €23,428
E. LEMOINE
BE 0466.518.035
Saint-Georges-sur-Meuse · Eq €23,464
Oldtimer Hightstreet Barn
BE 0769.342.533
Wuustwezel · Eq €23,145
MAXCON
BE 0729.580.550
Duffel · Eq €23,139
N I S S I M
BE 0719.621.521
Herentals · Eq €23,078
Of 4,420 companies in sector 46180 we hold annual accounts for 1,886. 1,203 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
43240Other construction installation
46649Wholesale of other machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.