JONA
ActiveSummary
JONA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €214,387 and a net result of -€23,520. Equity is shrinking by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 19372 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability6▲+5
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity ample (current ratio 13.31 against 39.49 in 2023; short-term debt: 7.3% and cash: 73.5% of total assets), and 7.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
92.7%
Return on assets
-10.2%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€23,520
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
135 d late
2022
52 d late
2021
289 d late
2020
496 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 187 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€214,387▼ 9.9%
2023 · €237,907
Total assets
€231,330▼ 5.2%
2023 · €243,914
Net result
-€23,520▲ 33.1%
2023 · -€35,135
Working capital
€208,530▼ 9.8%
2023 · €231,249
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€30,293-€45,511▼ 50.2%-€118,289▼ 160%-€23,617▲ 80.0%-€16,740▲ 29.1%
Net result-€46,169below the sector's middle half▼ 249%-€57,506below the sector's middle half▼ 24.6%-€130,152below the sector's middle half▼ 126%-€35,135below the sector's middle half▲ 73.0%-€23,520below the sector's middle half▲ 33.1%
Equity€460,700within the sector's middle half▼ 9.1%€403,194within the sector's middle half▼ 12.5%€273,042within the sector's middle half▼ 32.3%€237,907within the sector's middle half▼ 12.9%€214,387within the sector's middle half▼ 9.9%
Total assets€904,484within the sector's middle half▼ 11.7%€819,680within the sector's middle half▼ 9.4%€740,788within the sector's middle half▼ 9.6%€243,914below the sector's middle half▼ 67.1%€231,330within the sector's middle half▼ 5.2%
Debt€443,784▼ 14.2%€416,486▼ 6.2%€467,745▲ 12.3%€6,007▼ 98.7%€16,943▲ 182%
Working capital€460,700within the sector's middle half▼ 9.1%€403,194within the sector's middle half▼ 12.5%€265,583within the sector's middle half▼ 34.1%€231,249within the sector's middle half▼ 12.9%€208,530above the sector's middle half▼ 9.8%
Solvency50.9%within the sector's middle half▲ 1.4pp49.2%within the sector's middle half▼ 1.7pp36.9%within the sector's middle half▼ 12.3pp97.5%above the sector's middle half▲ 60.7pp92.7%above the sector's middle half▼ 4.9pp
Current ratio2.04within the sector's middle half▲ 0.061.97within the sector's middle half▼ 0.071.57within the sector's middle half▼ 0.4039.49above the sector's middle half▲ 37.9313.31above the sector's middle half▼ 26.19
Return on assets (ROA)-5.1%below the sector's middle half▼ 3.8pp-7.0%below the sector's middle half▼ 1.9pp-17.6%below the sector's middle half▼ 10.6pp-14.4%below the sector's middle half▲ 3.2pp-10.2%below the sector's middle half▲ 4.2pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16,740 in 2024 against €23,617 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €231,330
Fixed assets
€5,857 ▼ 12.0%
Current assets
€225,473 ▼ 5.0%
Equity and liabilities €231,330
Equity
€214,387 ▼ 9.9%
Debt
€16,943 ▲ 182%
Debt's share of the balance-sheet total rises from 2.5% to 7.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€15,939▲
2023 · -€22,816
Cash flow
-€22,719▲
2023 · -€34,334
Debt to equity
0.08▲
2023 · 0.03
ROE
-11.0%▲
2023 · -14.8%
Interest coverage
-0.97▲
2023 · -1.55
Debt ≤ 1 year
€16,943▲
2023 · €6,007
Income taxes
-€9,501▼
2023 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,805 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
2.0%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.1% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 4,805 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €553 | €801 | €801 | = |
| Other operating charges640/8 | €868 | €889 | €15,212 | €11,321 | €1,188 | ▼ 89.5% |
| Gross operating margin9900 | -€29,425 | -€44,622 | -€102,524 | -€11,495 | -€14,751 | ▼ 28.3% |
| Operating profit (loss)9901 | -€30,293 | -€45,511 | -€118,289 | -€23,617 | -€16,740 | ▲ 29.1% |
| Financial income75/76B | €3,400 | €3,400 | €3,400 | €3,223 | €172 | ▼ 94.7% |
| Recurring financial income75 | €3,400 | €3,400 | €3,400 | €3,223 | €172 | ▼ 94.7% |
| Financial charges65/66B | €19,275 | €15,395 | €15,263 | €14,742 | €16,453 | ▲ 11.6% |
| Recurring financial charges65 | €19,275 | €15,395 | €15,263 | €14,742 | €16,453 | ▲ 11.6% |
| Profit (loss) for the period before taxes9903 | -€46,169 | -€57,506 | -€130,152 | -€35,135 | -€33,021 | ▲ 6.0% |
| Income taxes67/77 | - | - | - | €0 | -€9,501 | - |
| Profit (loss) for the period9904 | -€46,169 | -€57,506 | -€130,152 | -€35,135 | -€23,520 | ▲ 33.1% |
| Profit (loss) for the period to be appropriated9905 | -€46,169 | -€57,506 | -€130,152 | -€35,135 | -€23,520 | ▲ 33.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €904,484 | €819,680 | €740,788 | €243,914 | €231,330 | ▼ 5.2% |
| Fixed assets21/28 | - | - | €7,459 | €6,658 | €5,857 | ▼ 12.0% |
| Tangible fixed assets22/27 | - | - | €7,459 | €6,658 | €5,857 | ▼ 12.0% |
| Land and buildings22 | - | - | €7,459 | €6,658 | €5,857 | ▼ 12.0% |
| Current assets29/58 | €904,484 | €819,680 | €733,329 | €237,256 | €225,473 | ▼ 5.0% |
| Amounts receivable after more than one year29 | €170,000 | €170,000 | €170,000 | - | - | - |
| Other amounts receivable291 | €170,000 | €170,000 | €170,000 | - | - | - |
| Stocks and contracts in progress3 | €59,450 | €59,450 | - | - | - | - |
| Stocks30/36 | €59,450 | €59,450 | - | - | - | - |
| Amounts receivable within one year40/41 | €22,372 | €16,905 | €45,211 | €44,581 | €55,447 | ▲ 24.4% |
| Trade receivables40 | €22,372 | €16,905 | €32,124 | €31,108 | €36,790 | ▲ 18.3% |
| Other amounts receivable41 | - | - | €13,087 | €13,473 | €18,657 | ▲ 38.5% |
| Cash at bank and in hand54/58 | €652,662 | €573,325 | €518,118 | €192,675 | €170,026 | ▼ 11.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €904,484 | €819,680 | €740,788 | €243,914 | €231,330 | ▼ 5.2% |
| Equity10/15 | €460,700 | €403,194 | €273,042 | €237,907 | €214,387 | ▼ 9.9% |
| Contributions10/11 | €500,000 | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Reserves13 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Non-distributable reserves130/1 | €5,000 | €5,000 | €5,000 | €5,000 | - | - |
| Reserves not available under the articles1311 | €5,000 | €5,000 | €5,000 | €5,000 | - | - |
| Distributable reserves133 | €0 | €0 | - | - | €5,000 | - |
| Profit (loss) carried forward14 | -€44,300 | -€101,806 | -€231,958 | -€267,093 | -€290,613 | ▼ 8.8% |
| Amounts payable17/49 | €443,784 | €416,486 | €467,745 | €6,007 | €16,943 | ▲ 182% |
| Amounts payable within one year42/48 | €443,784 | €416,486 | €467,745 | €6,007 | €16,943 | ▲ 182% |
| Trade debts44 | €24,011 | €113 | €1,660 | €6,007 | €16,943 | ▲ 182% |
| Suppliers440/4 | €24,011 | €113 | €1,660 | €6,007 | €16,943 | ▲ 182% |
| Other amounts payable47/48 | €419,773 | €416,373 | €466,085 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€46,169 | -€57,506 | -€130,152 | -€35,135 | -€23,520 | ▲ 33.1% |
| + Depreciation and write-downs630 | - | - | €553 | €801 | €801 | = |
| Operating cash flow (approximation) | -€46,169 | -€57,506 | -€129,600 | -€34,334 | -€22,719 | ▲ 33.8% |
| Investment in fixed assets (approximation) | - | - | - | €0 | €0 | - |
| Change in cash | - | -€79,338 | -€55,206 | -€325,443 | -€22,649 | ▲ 93.0% |
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
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 135 days late
2023
31-12
Financial
Liquidity times 25current ratio 39.49
Current ratio from 1.57 to 39.49; short-term debt falls from €467,745 to €6,007.
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 52 days late
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 289 days late
2022
31-12
Financial
Weakest financial yearnet -€130,152
Net result drops to -€130,152, the lowest in the series; recovery starts the following year.
09-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 496 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Asse · 1 establishment unit since 2016
Ground area
597 m²
Building footprint
138 m²
Volume, LiDAR
916 m³
Parcel 23322B0568/00M000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JONA
since 20162.254.054.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322B0568/00M000 | Flanders | 597 m² | 1 · 138 m² | 9.2 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.
Similar companies · same sector, comparable size
Zebra Buildings and Constructions
BE 0827.637.652
Haaltert · Eq €214,352
J2M-TEC
BE 0736.861.191
Dendermonde · Eq €214,567
Gestion Logement des Cantons de Gembloux et de Fosses
BE 0462.444.035
Sambreville · Eq €214,674
CB PROJECTS
BE 0759.611.255
Antwerpen · Eq €214,721
Bouw - Advies
BE 0421.116.590
Herk-de-Stad · Eq €214,051
Of 11,749 companies in sector 68310 we hold annual accounts for 6,910. 5,145 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
Founded08-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0656486595
Also
9925:BE0656486595
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.