Summary
Joossens is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €243,353 and a net result of -€53,536. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 65% of 2445 sector peers (fiscal year 2025). The company has been active since 1957 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
32 d early
2023
14 d early
2022
28 d late
2021
12 d early
2020
24 d early
2019
22 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2025, full schema
In the rankings
#1 oldest company in Vilvoorde, Finance and insurance sector
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€243,353▼ 18.0%
2024 · €296,888
Net result
-€53,536
2024 · €30,075
Total assets
€316,873▼ 54.5%
2024 · €697,091
Solvency
76.8%▲ 34.2pp
2024 · 42.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€465,322▲ 17.1%€642,057▲ 38.0%€965,285▲ 50.3%€797,967▼ 17.3%€1.7m▲ 109%
Operating result€10,420▼ 78.8%€25,274▲ 143%€29,324▲ 16.0%€30,860▲ 5.2%-€52,850
Net result€7,668within the sector's middle half▼ 84.3%€22,872within the sector's middle half▲ 198%€27,866within the sector's middle half▲ 21.8%€30,075within the sector's middle half▲ 7.9%-€53,536below the sector's middle half
Equity€216,076below the sector's middle half▲ 3.7%€238,948below the sector's middle half▲ 10.6%€266,813below the sector's middle half▲ 11.7%€296,888below the sector's middle half▲ 11.3%€243,353below the sector's middle half▼ 18.0%
Total assets€712,916below the sector's middle half▲ 12.2%€538,153below the sector's middle half▼ 24.5%€669,553below the sector's middle half▲ 24.4%€697,091below the sector's middle half▲ 4.1%€316,873below the sector's middle half▼ 54.5%
Debt€496,841▲ 16.4%€299,206▼ 39.8%€402,739▲ 34.6%€400,202▼ 0.6%€73,521▼ 81.6%
Working capital€98,495within the sector's middle half▼ 15.6%€56,259within the sector's middle half▼ 42.9%€171,915within the sector's middle half▲ 206%€216,460within the sector's middle half▲ 25.9%€185,109within the sector's middle half▼ 14.5%
Solvency30.3%within the sector's middle half▼ 2.5pp44.4%within the sector's middle half▲ 14.1pp39.8%within the sector's middle half▼ 4.6pp42.6%within the sector's middle half▲ 2.7pp76.8%within the sector's middle half▲ 34.2pp
Current ratio1.23within the sector's middle half▼ 0.141.21within the sector's middle half▼ 0.021.43within the sector's middle half▲ 0.211.54within the sector's middle half▲ 0.123.65above the sector's middle half▲ 2.10
Return on assets (ROA)1.1%within the sector's middle half▼ 6.6pp4.3%within the sector's middle half▲ 3.2pp4.2%within the sector's middle half▼ 0.1pp4.3%within the sector's middle half▲ 0.2pp-16.9%below the sector's middle half▼ 21.2pp
Staff (FTE)2within the sector's middle half▲ 81.8%2within the sector's middle half=2within the sector's middle half=2within the sector's middle half=1.1within the sector's middle half▼ 45.0%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2025 Turnover +109% on 2024. This fiscal year ran 18 months, the previous one 12.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €52,850 after €30,860 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316,873
Fixed assets
€61,844 ▼ 25.3%
Current assets
€255,030 ▼ 58.5%
Equity and liabilities €316,873
Equity
€243,353 ▼ 18.0%
Debt
€73,521 ▼ 81.6%
Debt's share of the balance-sheet total falls from 57.4% to 23.2%. Equity and debt are lower.
Key figures and ratios
ROE
-22.0%▼
2024 · 10.1%
Debt ≤ 1 year
€69,921▼
2024 · €397,802
Staff costs
€109,848▼
2024 · €115,597
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €773,612 | €1.3m | €1.3m | €2.2m | ▲ 69.5% |
| Turnover70 | €465,322 | €642,057 | €965,285 | €797,967 | €1.7m | ▲ 109% |
| Other operating income74 | - | €131,556 | €298,887 | €492,778 | €516,637 | ▲ 4.8% |
| Non-recurring operating income76A | - | - | €29,371 | - | - | - |
| Operating charges60/66A | - | €748,339 | €1.3m | €1.3m | €2.2m | ▲ 77.8% |
| Goods for resale, raw materials and consumables60 | - | €358,886 | €609,713 | €342,366 | €1.0m | ▲ 198% |
| Purchases600/8 | - | €389,674 | €655,901 | €356,243 | €1.0m | ▲ 186% |
| Change in stocks: decrease (increase)609 | - | -€30,788 | -€46,189 | -€13,878 | €3,892 | ▲ 128% |
| Services and other goods61 | - | €239,523 | €348,406 | €496,784 | €834,157 | ▲ 67.9% |
| Remuneration, social security and pensions62 | - | €92,607 | €106,774 | €115,597 | €109,848 | ▼ 5.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €40,901 | €51,110 | €13,990 | €13,990 | €20,985 | ▲ 50.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €40,492 | €32,051 | -€11,234 | ▼ 135% |
| Other operating charges640/8 | - | €6,213 | €113,738 | €250,950 | €265,099 | ▲ 5.6% |
| Non-recurring operating charges66A | - | - | €31,106 | €8,146 | - | - |
| Operating profit (loss)9901 | €10,420 | €25,274 | €29,324 | €30,860 | -€52,850 | ▼ 271% |
| Financial income75/76B | - | €2 | €2 | €43 | €3 | ▼ 93.5% |
| Recurring financial income75 | €0 | €2 | €2 | €43 | €3 | ▼ 93.5% |
| Other financial income752/9 | - | €2 | €2 | €43 | €3 | ▼ 93.5% |
| Financial charges65/66B | - | €2,403 | €1,460 | €828 | €688 | ▼ 16.9% |
| Recurring financial charges65 | €2,752 | €2,403 | €1,460 | €828 | €688 | ▼ 16.9% |
| Debt charges650 | €2,523 | €1,841 | €1,049 | - | - | - |
| Other financial charges652/9 | - | €562 | €410 | €828 | €688 | ▼ 16.9% |
| Profit (loss) for the period before taxes9903 | €7,668 | €22,872 | €27,866 | €30,075 | -€53,536 | ▼ 278% |
| Profit (loss) for the period9904 | €7,668 | €22,872 | €27,866 | €30,075 | -€53,536 | ▼ 278% |
| Profit (loss) for the period to be appropriated9905 | €7,668 | €22,872 | €27,866 | €30,075 | -€53,536 | ▼ 278% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €712,916 | €538,153 | €669,553 | €697,091 | €316,873 | ▼ 54.5% |
| Fixed assets21/28 | €190,868 | €219,442 | €96,819 | €82,829 | €61,844 | ▼ 25.3% |
| Tangible fixed assets22/27 | €190,868 | €219,442 | €96,819 | €82,829 | €61,844 | ▼ 25.3% |
| Furniture and vehicles24 | - | €219,442 | €96,819 | €82,829 | €61,844 | ▼ 25.3% |
| Current assets29/58 | €522,049 | €318,711 | €572,734 | €614,262 | €255,030 | ▼ 58.5% |
| Stocks and contracts in progress3 | €9,910 | €40,698 | €46,395 | €28,221 | €35,564 | ▲ 26.0% |
| Stocks30/36 | - | €40,698 | €46,395 | €28,221 | €35,564 | ▲ 26.0% |
| Goods purchased for resale34 | - | €40,698 | €46,395 | €28,221 | €35,564 | ▲ 26.0% |
| Amounts receivable within one year40/41 | €496,544 | €244,077 | €497,244 | €527,925 | €92,471 | ▼ 82.5% |
| Trade receivables40 | - | €69,917 | €111,191 | €45,723 | €44,834 | ▼ 1.9% |
| Other amounts receivable41 | - | €174,160 | €386,053 | €482,202 | €47,637 | ▼ 90.1% |
| Cash at bank and in hand54/58 | €10,809 | €26,590 | €17,731 | €21,023 | €71,341 | ▲ 239% |
| Deferred charges and accrued income490/1 | - | €7,345 | €11,365 | €37,094 | €55,654 | ▲ 50.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €712,916 | €538,153 | €669,553 | €697,091 | €316,873 | ▼ 54.5% |
| Equity10/15 | €216,076 | €238,948 | €266,813 | €296,888 | €243,353 | ▼ 18.0% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €26,640 | €26,640 | €26,640 | €234,888 | €181,353 | ▼ 22.8% |
| Non-distributable reserves130/1 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | - | €20,440 | €20,440 | €20,440 | €20,440 | = |
| Distributable reserves133 | - | - | - | €208,248 | €154,712 | ▼ 25.7% |
| Profit (loss) carried forward14 | €127,435 | €150,307 | €178,173 | - | - | - |
| Amounts payable17/49 | €496,841 | €299,206 | €402,739 | €400,202 | €73,521 | ▼ 81.6% |
| Amounts payable after more than one year17 | €71,367 | €36,045 | - | - | - | - |
| Financial debts170/4 | - | €36,045 | - | - | - | - |
| Credit institutions173 | - | €36,045 | - | - | - | - |
| Amounts payable within one year42/48 | €423,554 | €262,452 | €400,819 | €397,802 | €69,921 | ▼ 82.4% |
| Current portion of amounts payable after more than one year42 | - | €35,322 | €36,045 | - | - | - |
| Trade debts44 | €373,321 | €17,923 | €26,931 | €51,621 | €57,511 | ▲ 11.4% |
| Suppliers440/4 | - | €17,923 | €26,931 | €51,621 | €57,511 | ▲ 11.4% |
| Taxes, remuneration and social security45 | - | €22,241 | €68,763 | €30,116 | €12,410 | ▼ 58.8% |
| Taxes450/3 | - | €1,844 | €54,830 | €21,405 | - | - |
| Remuneration and social security454/9 | - | €20,397 | €13,933 | €8,711 | €12,410 | ▲ 42.5% |
| Other amounts payable47/48 | - | €186,967 | €269,080 | €316,066 | - | - |
| Accrued charges and deferred income492/3 | - | €708 | €1,920 | €2,400 | €3,600 | ▲ 50.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,668 | €22,872 | €27,866 | €30,075 | -€53,536 | ▼ 278% |
| + Depreciation and write-downs630 | €40,901 | €51,110 | €13,990 | €13,990 | €20,985 | ▲ 50.0% |
| Operating cash flow (approximation) | €48,568 | €73,982 | €41,856 | €44,065 | -€32,551 | ▼ 174% |
| Investment in fixed assets (approximation) | - | -€79,684 | €108,633 | €0 | €0 | - |
| Change in cash | - | €15,781 | -€8,860 | €3,292 | €50,318 | ▲ 1,428% |
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
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€53,536
Net result drops to -€53,536, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.65
Current ratio from 1.54 to 3.65; short-term debt falls from €397,802 to €69,921.
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
17-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Highest result since 2019net €48,832 ▲75%
Operating result €49,037, net result €48,832, both a record.
30-06
Financial
Equity above €200,000Eq €208,408 ▲30.6%
2 profitable years in a row build equity to €208,408.
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
11-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
06-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 15 acts read
About the unread acts
We know of 15 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
15 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, Vilvoorde · 1 establishment unit since 1957
Ground area
2,545 m²
Building footprint
2,630 m²
Volume, LiDAR
13,247 m³
Parcel 23643E0153/00K002, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Mechelsesteenweg 295, 1800 Vilvoorde
since 19572.006.264.361
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23643E0153/00K002 | Flanders | 2,545 m² | 1 · 2,630 m² | 8.0 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.
Structure & network
Owners and holdings
1 ownerChain of control
- FENIKS AUTOMOTIVE
- Joossens
Highest known parent: FENIKS AUTOMOTIVE. The sources do not say who stands above it.
Owners 1
- FENIKS AUTOMOTIVEparent99.99%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 186 companies in sector 64910 we hold annual accounts for 138. 72 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded08-01-1957
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
64910Financial service activities, except insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0403601360
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.