JoosMaCo
ActiveSummary
JoosMaCo has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €10k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 91% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 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
Profitability78▼-22
Solvency100▲+8
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 10.76 against 2.16 in 2024; short-term debt: 7.8% and cash: 70.2% of total assets), and 7.8% of the assets are financed with debt.
Credit check for your own amount and term
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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
92.2%
Return on assets
7.7%
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 04-06-2026, 57 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
57 d early
2024
28 d early
2023
43 d early
← 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
Equity
€117k▲ 9.1%
2024 · €107k
2023: €58k
2024: €107k
2023 → 2025
Total assets
€127k▼ 20.9%
2024 · €160k
2023: €223k
2024: €160k
2023 → 2025
Net result
€10k▼ 79.9%
2024 · €49k
2023: €53k
2024: €49k
2023 → 2025
Working capital
€97k▲ 57.5%
2024 · €61k
2023: €-13k
2024: €61k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€58k-€107k▲ 83.0%€117k▲ 9.1%
Operating result€76k-€69k▼ 9.7%€14k▼ 79.0%
Net result€53k-€49k▼ 9.2%€10k▼ 79.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127k
Fixed assets
€20k ▼ 56.2%
Current assets
€107k ▼ 6.9%
Equity and liabilities €127k
Equity
€117k ▲ 9.1%
Debt
€10k ▼ 81.3%
Debt's share of the balance-sheet total falls from 33.2% to 7.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €95k
Cash flow
€35k▼
2024 · €75k
Current ratio
10.76▲
2024 · 2.16
Debt to equity
0.09▼
2024 · 0.50
ROE
8.3%▼
2024 · 45.4%
ROA
7.7%▼
2024 · 30.3%
Interest coverage
222.31▼
2024 · 685.43
Debt ≤ 1 year
€10k▼
2024 · €53k
Income taxes
€5k▼
2024 · €20k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€160k€127k▼
Fixed assets21/28€45k€20k▼
Tangible fixed assets22/27€45k€20k▼
Plant, machinery and equipment23€1k€410▼
Furniture and vehicles24€44k€19k▼
Current assets29/58€115k€107k▼
Amounts receivable within one year40/41€31k€17k▼
Trade receivables40€31k€16k▼
Other amounts receivable41€0€1k▲
Cash at bank and in hand54/58€81k€89k▲
Deferred charges and accrued income490/1€2k€753▼
Equity and liabilities
Total equity and liabilities10/49€160k€127k▼
Equity10/15€107k€117k▲
Contributions10/11€5k€5k=
Reserves13€102k€112k▲
Distributable reserves133€102k€112k▲
Amounts payable17/49€53k€10k▼
Amounts payable within one year42/48€53k€10k▼
Trade debts44€0€258▲
Suppliers440/4€0€258▲
Taxes, remuneration and social security45€51k€10k▼
Taxes450/3€51k€10k▼
Other amounts payable47/48€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€25k▼
Other operating charges640/8€277€1k▲
Non-recurring operating charges66A-€25k
Gross operating margin9900€95k€65k▼
Operating profit (loss)9901€69k€14k▼
Financial income75/76B€16€143▲
Recurring financial income75€16€143▲
Financial charges65/66B€138€177▲
Recurring financial charges65€138€177▲
Profit (loss) for the period before taxes9903€69k€14k▼
Income taxes67/77€20k€5k▼
Profit (loss) for the period9904€49k€10k▼
Profit (loss) for the period to be appropriated9905€49k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€10k▼
Transfer to equity691/2€49k€10k▼
To other reserves6921€49k€10k▼
The notes to these accounts (10 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €10k ▼79.9%
Net result drops to €10k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 10.76
Current ratio from 2.16 to 10.76; short-term debt falls from €53k to €10k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.16
Current ratio from 0.92 to 2.16; short-term debt falls from €164k to €53k.
31-12
Financial
Equity above €100kEq €107k ▲83%
2 profitable years in a row build equity to €107k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Zemst · 1 establishment unit since 2022
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.
Baron de Royedreef 481980 ZemstGround area
729 m²
Building footprint
98 m²
Volume, LiDAR
524 m³
Parcel 23020D0261/00F003, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JoosMaCo
since 20222.333.996.875
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23020D0261/00F003 | Flanders | 729 m² | 1 · 98 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
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SparkleBit Consulting
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,505 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
Founded20-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
82990Other business support services
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.