JOOR MARIQUE
ActiveJOOR MARIQUE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €225k and a net result of €31k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 39% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-1
Solvency58▲+12
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.4 in 2024), and 55.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
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
44.3%
Return on assets
6.1%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
21 d late
2022
45 d late
2021
30 d late
2020
7 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€31k▲ 14.0%
2024 · €27k
2018: €34k
2019: €25k
2020: €44k
2021: €16k
2022: €2k
2023: €-388
2024: €27k
2018 → 2025
Working capital
€-26k▲ 51.3%
2024 · €-52k
2018: €32k
2019: €-38k
2020: €-30k
2021: €-28k
2022: €-31k
2023: €-54k
2024: €-52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€167k▲ 1.4%€167k▼ 0.2%€194k▲ 16.3%€225k▲ 16.0%
Operating result€30k-€13k▼ 57.1%€12k▼ 3.0%€50k▲ 304%€53k▲ 5.9%
Net result€16k-€2k▼ 85.0%€-388€27k€31k▲ 14.0%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €509k
Fixed assets
€471k▼ 4.5%
Current assets
€38k▲ 7.6%
Equity and liabilities €509k
Equity
€225k▲ 16.0%
Debt
€283k▼ 15.2%
The debt ratio falls from 63.2% to 55.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€78k▲
2024 · €75k
Cash flow
€55k▲
2024 · €52k
Solvency
44.3%▲
2024 · 36.8%
Current ratio
0.60▲
2024 · 0.40
Quick ratio
0.60▲
2024 · 0.40
Debt / equity
1.26▼
2024 · 1.72
ROE
13.8%▼
2024 · 14.0%
ROA
6.1%▲
2024 · 5.2%
Interest coverage
19.52▲
2024 · 16.17
Debt
€283k▼
2024 · €334k
Debt ≤ 1 year
€63k▼
2024 · €88k
Debt > 1 year
€216k▼
2024 · €242k
Income taxes
€18k▼
2024 · €18k
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€528k€509k▼
Fixed assets21/28€493k€471k▼
Tangible fixed assets22/27€490k€468k▼
Land and buildings22€482k€466k▼
Furniture and vehicles24€8k€2k▼
Financial fixed assets28€3k€3k=
Current assets29/58€35k€38k▲
Amounts receivable within one year40/41€11k€10k▼
Trade receivables40€10k€10k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€20k€23k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€528k€509k▼
Equity10/15€194k€225k▲
Contributions10/11€6k€6k=
Reserves13€183k€213k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€182k€213k▲
Profit (loss) carried forward14€5k€6k▲
Amounts payable17/49€334k€283k▼
Amounts payable after more than one year17€242k€216k▼
Financial debts170/4€242k€216k▼
Amounts payable within one year42/48€88k€63k▼
Current portion of amounts payable after more than one year42€39k€33k▼
Trade debts44€7k€13k▲
Suppliers440/4€7k€13k▲
Taxes, remuneration and social security45€33k€13k▼
Taxes450/3€20k€13k▼
Remuneration and social security454/9€13k-
Other amounts payable47/48€8k€5k▼
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€24k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€78k€80k▲
Operating profit (loss)9901€50k€53k▲
Financial income75/76B€12€126▲
Recurring financial income75€12€126▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€46k€49k▲
Income taxes67/77€18k€18k▼
Profit (loss) for the period9904€27k€31k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€27k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€36k▲
Profit (loss) brought forward from the previous period14P€4k€5k▲
Transfer to equity691/2€27k€30k▲
To other reserves6921€27k€30k▲
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
Next filing, fiscal year 2026, expected by
2026
03-08
State Gazette act
General meeting · Name change
Director resignation · Director appointment
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €200kEq €225k ▲16%
2 profitable years in a row build equity to €225k.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
30-09
Financial
Weakest financial yearnet €-388 ▼116%
Net result drops to €-388, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-09
Financial
Equity above €150kEq €165k ▲10.9%
4 profitable years in a row build equity to €165k.
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Highest result since 2018net €44k ▲76%
Operating result €68k, net result €44k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Equity above €100kEq €105k ▲30.9%
2 profitable years in a row build equity to €105k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
05-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Quévy · 1 establishment unit since 2010
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 du Docteur Harvengt(GEN) 107040 QuévyGround area
4,525 m²
Building footprint
338 m²
Volume, LiDAR
923 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MICHEL JOOR
since 20102.279.544.342
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53029B0086/00C000 | Wallonia | 2,950 m² | 1 · 214 m² | - |
| 53029B0084/00E000 | Wallonia | 1,575 m² | 1 · 124 m² | 10.1 m · 3 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.
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VERSTRAETEN GERECHTSDEURWAARDER
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GDW P. VAN NIEUWENHUYSE
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Borzsei G.
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Of 1,019 companies in sector 69103 we hold annual accounts for 610. 483 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2010
Fiscal year end30-09
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:joormichel@gmail.com
Phone:065/59.02.59