JONALIS
ActiveSummary
JONALIS has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124,879 and a net result of €23,327. Equity has been growing by about 28% per year since 2023. Its solvency ranks better than 95% of 22,774 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 27-09-2022 Normal situation
- Activity
- Retail sale of chocolate and confectionery NACE 47242
- Establishment unit
- 2.336.467.506 9800 Deinze, since 27-09-2022
- Financial year end
- 30 June
- Peppol
- Reachable since 24-11-2023
Board and ownership
Board
- DHAENENS Karlien Liliane RogerDirector
- LAVAERT PeterDirector
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.4%
Annual accounts to 30-06-2025
- Gross margin
- €42,333
- ▼ 4.9%
- Turnover
- ≈ €410,000
- estimated
- Profit
- €23,327
- ▼ 29.0%
- Equity
- €124,879
- ▲ 23.0%
- Total assets
- €132,865
- ▲ 23.3%
Score breakdownraises riskSize: total assets €132,865Founded in 2022lowers riskLiquidity: current ratio 14.27, cash €36,615, halvedEquity €124,879 (94.0% of total assets)Show the evidence
Checked score
Score 2025
89
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 85% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency
100=
equity 94.0% of total assets
Liquidity
84-16
short-term debt 6.0% · cash 27.6%
Profitability
91-9
return on assets 17.6%
Bankruptcy probability within 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.1%▼ -0.1 percentage points vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025lowest value
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.2%▲ +0.1 percentage points vs 12-2025
02-2026: 0.4%▲ +0.2 percentage points vs 01-2026highest value
03-2026: 0.4%● unchanged vs 02-2026highest value
04-2026: 0.4%● unchanged vs 03-2026highest value
05-2026: 0.4%● unchanged vs 04-2026highest value
06-2026: 0.3%▼ -0.1 percentage points vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.4%▲ +0.1 percentage points vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 14.27 (16.65 in 2024), above the usual 1.5. Short-term debt is 6% and cash 27.6% of total assets. 6% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 92% of them on solvency, 87% on liquidity, 85% on profitability and 75% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
11 days early
2024
8 days early
2023
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 9 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 23 January (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end03-11-2026 today31-01-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 20-01-2026 PDF all 3 filings
Turnover
≈ €410,000
Estimated: probably between €230,000 and €680,000
Total assets
€132,865▲ 23.3%
2024 · €107,740
Net result
€23,327▼ 29.0%
2024 · €32,854
Working capital
€105,967▲ 9.4%
2024 · €96,834
Multi-year overview
2023 to 2025, 3 financial yearsOperating result
€38,964
▼ 9.2%
2025
20232025
Net result
€23,327
▼ 29.0%
2025
highest quarter of the sector
20232025
Equity
€124,879
▲ 23.0%
2025
middle half of the sector
20232025
Total assets
€132,865
▲ 23.3%
2025
middle half of the sector
20232025
Debt
€7,987
▲ 29.1%
2025
20232025
Working capital
€105,967
▲ 9.4%
2025
highest quarter of the sector
20232025
Solvency
94.0%
▼ 0.3pp
2025
highest quarter of the sector
20232025
Current ratio
14.27
▼ 2.38
2025
highest quarter of the sector
20232025
Return on assets (ROA)
17.6%
▼ 12.9pp
2025
highest quarter of the sector
20232025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result€48,696-€42,909▼ 11.9%€38,964▼ 9.2%
Net result€48,698above the sector's middle half-€32,854above the sector's middle half▼ 32.5%€23,327above the sector's middle half▼ 29.0%
Equity€68,698within the sector's middle half-€101,552within the sector's middle half▲ 47.8%€124,879within the sector's middle half▲ 23.0%
Total assets€74,780within the sector's middle half-€107,740within the sector's middle half▲ 44.1%€132,865within the sector's middle half▲ 23.3%
Debt€6,081-€6,188▲ 1.7%€7,987▲ 29.1%
Working capital€62,900within the sector's middle half-€96,834above the sector's middle half▲ 53.9%€105,967above the sector's middle half▲ 9.4%
Solvency91.9%above the sector's middle half-94.3%above the sector's middle half▲ 2.4pp94.0%above the sector's middle half▼ 0.3pp
Current ratio11.34above the sector's middle half-16.65above the sector's middle half▲ 5.3114.27above the sector's middle half▼ 2.38
Return on assets (ROA)65.1%above the sector's middle half-30.5%above the sector's middle half▼ 34.6pp17.6%above the sector's middle half▼ 12.9pp
above
within
below
The sector band is the middle half of the companies in Retail trade (NACE 47). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 9% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132,802
Fixed assets
€18,849 ▲ 329%
Current assets
€113,954 ▲ 10.6%
Equity and liabilities €132,865
Equity
€124,879 ▲ 23.0%
Debt
€7,987 ▲ 29.1%
Debt's share of the balance-sheet total rises from 5.7% to 6.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41,650▼
2024 · €43,989
Cash flow
€26,012▼
2024 · €33,934
Quick ratio
13.52▼
2024 · 15.57
Debt to equity
0.06▲
2024 · 0.06
ROE
18.7%▼
2024 · 32.4%
Interest coverage
over 100
2024 · over 100
Debt ≤ 1 year
€7,987▲
2024 · €6,188
Income taxes
€15,421▲
2024 · €9,669
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|
| Tangible fixed assets | €5,712 | - | €16,879 |
| Depreciation and write-downs of the year | €706 | €1,080 | €2,685 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €706 | €1,080 | €2,685 | ▲ 149% |
| Other operating charges640/8 | €789 | €544 | €684 | ▲ 25.6% |
| Gross operating margin9900 | €50,191 | €44,533 | €42,333 | ▼ 4.9% |
| Operating profit (loss)9901 | €48,696 | €42,909 | €38,964 | ▼ 9.2% |
| Financial income75/76B | €77 | - | - | - |
| Recurring financial income75 | €77 | - | - | - |
| Financial charges65/66B | €75 | €386 | €217 | ▼ 43.8% |
| Recurring financial charges65 | €75 | €386 | €217 | ▼ 43.8% |
| Profit (loss) for the period before taxes9903 | €48,698 | €42,523 | €38,747 | ▼ 8.9% |
| Income taxes67/77 | - | €9,669 | €15,421 | ▲ 59.5% |
| Profit (loss) for the period9904 | €48,698 | €32,854 | €23,327 | ▼ 29.0% |
| Profit (loss) for the period to be appropriated9905 | €48,698 | €32,854 | €23,327 | ▼ 29.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €74,780 | €107,740 | €132,865 | ▲ 23.3% |
| Formation expenses20 | €591 | €327 | €63 | ▼ 80.8% |
| Fixed assets21/28 | €5,207 | €4,391 | €18,849 | ▲ 329% |
| Tangible fixed assets22/27 | €5,207 | €4,391 | €18,849 | ▲ 329% |
| Land and buildings22 | €5,207 | €4,391 | €18,849 | ▲ 329% |
| Current assets29/58 | €68,982 | €103,022 | €113,954 | ▲ 10.6% |
| Stocks and contracts in progress3 | €5,922 | €6,666 | €5,961 | ▼ 10.6% |
| Stocks30/36 | €5,922 | €6,666 | €5,961 | ▼ 10.6% |
| Amounts receivable within one year40/41 | €286 | €1,054 | €1,378 | ▲ 30.7% |
| Trade receivables40 | €286 | €1,054 | €1,378 | ▲ 30.7% |
| Other amounts receivable41 | - | €0 | €0 | - |
| Current investments50/53 | - | - | €70,000 | - |
| Cash at bank and in hand54/58 | €62,773 | €95,302 | €36,615 | ▼ 61.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €74,780 | €107,740 | €132,865 | ▲ 23.3% |
| Equity10/15 | €68,698 | €101,552 | €124,879 | ▲ 23.0% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | €48,698 | €81,552 | €104,879 | ▲ 28.6% |
| Amounts payable17/49 | €6,081 | €6,188 | €7,987 | ▲ 29.1% |
| Amounts payable within one year42/48 | €6,081 | €6,188 | €7,987 | ▲ 29.1% |
| Trade debts44 | €73 | €1,123 | €2,499 | ▲ 123% |
| Suppliers440/4 | €73 | €1,123 | €2,499 | ▲ 123% |
| Taxes, remuneration and social security45 | €1,674 | €730 | €1,153 | ▲ 57.9% |
| Taxes450/3 | €1,674 | €730 | €1,153 | ▲ 57.9% |
| Other amounts payable47/48 | €4,335 | €4,335 | €4,335 | = |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,698 | €32,854 | €23,327 | ▼ 29.0% |
| + Depreciation and write-downs630 | €706 | €1,080 | €2,685 | ▲ 149% |
| Operating cash flow (approximation) | €49,405 | €33,934 | €26,012 | ▼ 23.3% |
| Investment in fixed assets (approximation) | - | -€264 | -€17,143 | ▼ 6,391% |
| Change in cash | - | €32,529 | -€58,686 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as JONALIS has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
95.8%
was still going
2.3%
stopped otherwise
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JONALIS itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for JONALIS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Directors
2 directors, no change since 2022
DHAENENS Karlien Liliane Roger
Current
Director (not named in the articles) · appointed in the act of 29-09-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 20-01-2026
LAVAERT Peter
Current
Director (not named in the articles) · appointed in the act of 29-09-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 20-01-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 29-09-2022Owners and capital
Shareholders
At incorporation
act of 29-09-2022 ↗
- LAVAERT Peter 50 shares (50%) · €10,000
- DHAENENS Karlien Liliane Roger 50 shares (50%) · €10,000
Capital transactions
Capital over time
- 29-09-2022 Incorporation · €20,000 · 100 shares
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| DHAENENS Karlien Liliane Roger |
|
| LAVAERT Peter |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Geheel bevoegdheden aan hem toegekend met mogelijkheid deel te delegeren, iedere bestuurder alleen optredend mag alle handelingen stellen…”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Aanduiden vereffenaars bevoegdheden omlijnen vergoeding bepalen, indien geen andere vereffenaar benoemd”
Articles of association, deed of 29-09-2022 (in Dutch)
Network & group
JONALIS shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of JONALIS. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
20-01
micro format · 11 days before the deadline
2025
30-06
Financial
Weakest financial yearnet €23,327 ▼29%
The net result drops to €23,327, the lowest from 2023 to 2025.
23-01
micro format · 8 days before the deadline
2024
30-06
Financial
Equity above €100,000equity €101,552 ▲47.8%
With a profit in every financial year since 2023, equity grows to €101,552.
23-01
micro format · 8 days before the deadline
2022
29-09
Gazette deed
IncorporationStarting capital €20,000 · Appointments: DHAENENS Karlien Liliane Roger (director) and LAVAERT Peter (director) · Founder13 points ▸
Gazette deed
Incorporation
Starting capital €20,000 · Appointments: DHAENENS Karlien Liliane Roger (director) and LAVAERT Peter (director) · Founder13 points ▸
- Incorporation, “JONALIS” (deed in Dutch)
- Founder, LAVAERT Peter
- Founder, DHAENENS Karlien Liliane Roger
- Founding capital, €20,000
- DHAENENS Karlien Liliane Roger holds 50 shares
- LAVAERT Peter holds 50 shares
- Bank account, EUR, “vennootschap in oprichting” (deed in Dutch)
- Other provision, “notariële bevestiging deponering en beschikking, deponering overeenkomstig WVV” (deed in Dutch)
- Registered office clause, “9800 Deinze,Kortrijkstraat 23” (deed in Dutch)
- Board rule, 2
- Director appointment, DHAENENS Karlien Liliane Roger (director (not named in the articles))
- Director appointment, LAVAERT Peter (director (not named in the articles))
- The act holds 1 more point.
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
JONALIS in Dutch
Enterprise number
0791.471.005
Legal form
Private limited company
Status
Active, normale toestand
Founded
27-09-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 29-09-2022 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest”
deed of 29-09-2022 (in Dutch)Registered office and establishments
Registered office
Kortrijkstraat 23, 9800 Deinze, Belgium
Establishment unit
Confiserie Karlien, Kortrijkstraat 23, 9800 Deinze since 27-09-2022 · unit number 2.336.467.506
Activities
NACEBEL 202547242
Retail sale of chocolate and confectionery main activity
Codes under NACEBEL 2008
47242
Retail trade main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 29-09-2022 (in Dutch)
“Klein – en groothandel, import en export, webshop, vervaardiging van chocoladewaren, pralines, confiserie, koffie, roomijs, gebak…”
12 activities
- Klein – en groothandel, import en export, webshop, vervaardiging van chocoladewaren, pralines, confiserie, koffie, roomijs, gebak, cadeauartikelen en aanverwante producten, juwelen, fantasiejuwelen, kleinmeubelen, decoratie, brood & banket, belegde broodjes, ijs, tearoom
- De groot- en kleinhandel in alcoholische en niet-alcoholische dranken en voedingswaren
- Het voeren van alle activiteiten van horecazaak alsook het uitbaten en verhuren van een feestzaal, de bereiding, verkoop, catering en bedeling van schotels, spijzen en banketten met of zonder bediening
- Het uitbaten van een drankgelegenheid, spijshuis of restaurant
- De werkzaamheid van evenementenbureau, bestaande uit de organisatie van evenementen in de ruimste zin en de verkoop van allerhande toegangs- en vervoerstickets voor eigen rekening en/of voor rekening van derden
- Bureau voor advies, consultancy, administratieve prestaties, ontwerp, marketing, service en copywriting
- Bouwonderneming zowel nieuwbouw als renovatie alsook het onderhoud van allerhande bouwwerken en terreinen
- Onderneming in onroerende goederen, de tussenpersonen in aankoop-, verkoop- en verhuring van gebouwen, beheer van onroerende goederen voor eigen rekening en voor rekening van derden, de experten-raadgevers inzake onroerende goederen, bouwpromotor, coördineren van bouwwerkzaamheden, coördinatie van onderaannemers en studie-, organisatie en raadgevend bureau inzake bouwaangelegenheden
- Zakelijke dienstverlening
- Tussenpersoon in de handel
- Algemene groot- en kleinhandel
- Alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het oordeelkundig beheer van roerend en onroerend patrimonium, zoals onroerende goederen aanwerven, laten bouwen, laten opschikken, laten uitrusten, ombouwen; onroerende goederen vervreemden met het oog op wederbelegging en opbrengst; beschikbare middelen beleggen in roerende goederen en waarden; het nemen van participaties in derde ondernemingen
Invoicing and payment
VAT number
BE 0791.471.005
Financial year and general meeting
Accounts at the NBBFinancial year end
30-06
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Monday of December at 11:00
deed of 29-09-2022 (in Dutch)Recognitions · licences · registrations
Food safety, FASFC
1 siteDeinzeunit number 2.336.467.506
Sites & property
Location
Buildings and parcels at the address
Ground area
118 m²
Building footprint
118 m²
Building volume
1,055 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44011B0546/00M000 | Flanders | 118 m² | 1 · 118 m² | 12.9 m · 3 |