JOPA
ActiveSummary
JOPA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,406 and a net result of -€21,697. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 4711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-73
Solvency97▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 4.47 in 2024; short-term debt: 28.1% and cash: 8.2% of total assets), and 28.1% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 2025Solvency, return and age of the figures
Solvency
71.9%
Return on assets
-41.7%
Age of the figures
15 mo
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
15 d early
2023
22 d early
2022
26 d early
2021
4 d early
2020
2 d early
2019
7 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 11 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 16 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€37,406▼ 36.7%
2024 · €59,103
Total assets
€52,021▼ 18.0%
2024 · €63,449
Net result
-€21,697
2024 · €2,012
Working capital
€362▼ 97.6%
2024 · €15,074
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, 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
Operating result-€57,181€28,415€14,690▼ 48.3%€2,270▼ 84.5%-€21,203
Net result-€58,966below the sector's middle half€27,279above the sector's middle half€13,923above the sector's middle half▼ 49.0%€2,012within the sector's middle half▼ 85.5%-€21,697below the sector's middle half
Equity€15,890within the sector's middle half▼ 78.8%€43,169within the sector's middle half▲ 172%€57,091within the sector's middle half▲ 32.3%€59,103within the sector's middle half▲ 3.5%€37,406within the sector's middle half▼ 36.7%
Total assets€59,841within the sector's middle half▼ 37.9%€81,808within the sector's middle half▲ 36.7%€78,022within the sector's middle half▼ 4.6%€63,449within the sector's middle half▼ 18.7%€52,021within the sector's middle half▼ 18.0%
Debt€43,951▲ 104%€38,639▼ 12.1%€20,931▼ 45.8%€4,346▼ 79.2%€14,615▲ 236%
Working capital€16,922within the sector's middle half▼ 70.4%€37,694above the sector's middle half▲ 123%€43,448above the sector's middle half▲ 15.3%€15,074within the sector's middle half▼ 65.3%€362within the sector's middle half▼ 97.6%
Solvency26.6%within the sector's middle half▼ 51.1pp52.8%within the sector's middle half▲ 26.2pp73.2%above the sector's middle half▲ 20.4pp93.2%above the sector's middle half▲ 20.0pp71.9%above the sector's middle half▼ 21.2pp
Current ratio1.64within the sector's middle half▼ 2.722.37above the sector's middle half▲ 0.733.68above the sector's middle half▲ 1.314.47above the sector's middle half▲ 0.791.02within the sector's middle half▼ 3.44
Return on assets (ROA)-98.5%below the sector's middle half▼ 108.2pp33.3%above the sector's middle half▲ 131.9pp17.8%above the sector's middle half▼ 15.5pp3.2%within the sector's middle half▼ 14.7pp-41.7%below the sector's middle half▼ 44.9pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €21,203 after €2,270 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52,021
Fixed assets
€37,044 ▼ 15.9%
Current assets
€14,977 ▼ 22.9%
Equity and liabilities €52,021
Equity
€37,406 ▼ 36.7%
Debt
€14,615 ▲ 236%
Debt's share of the balance-sheet total rises from 6.8% to 28.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€11,820▼
2024 · €10,038
Cash flow
-€12,315▼
2024 · €9,780
Quick ratio
0.91▼
2024 · 4.12
Debt to equity
0.39▲
2024 · 0.07
ROE
-58.0%▼
2024 · 3.4%
Interest coverage
-14.96▼
2024 · 14.22
Debt ≤ 1 year
€14,615▲
2024 · €4,346
Income taxes
€311
Staff costs
€2,049▲
2024 · €515
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 5,836 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €2,893 | - |
| Remuneration, social security and pensions62 | - | €595 | €3,666 | €515 | €2,049 | ▲ 298% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,902 | €5,909 | €5,275 | €7,769 | €9,383 | ▲ 20.8% |
| Other operating charges640/8 | - | €1,372 | €1,112 | €1,700 | €637 | ▼ 62.6% |
| Non-recurring operating charges66A | - | - | - | - | €2,267 | - |
| Gross operating margin9900 | -€46,803 | €36,291 | €24,744 | €12,253 | -€6,868 | ▼ 156% |
| Operating profit (loss)9901 | -€57,181 | €28,415 | €14,690 | €2,270 | -€21,203 | ▼ 1,034% |
| Financial income75/76B | - | €263 | €466 | €448 | €606 | ▲ 35.3% |
| Recurring financial income75 | €0 | €263 | €466 | €448 | €606 | ▲ 35.3% |
| Financial charges65/66B | - | €1,398 | €1,234 | €706 | €790 | ▲ 11.9% |
| Recurring financial charges65 | €1,785 | €1,398 | €1,234 | €706 | €790 | ▲ 11.9% |
| Profit (loss) for the period before taxes9903 | -€58,966 | €27,279 | €13,923 | €2,012 | -€21,386 | ▼ 1,163% |
| Income taxes67/77 | - | - | - | - | €311 | - |
| Profit (loss) for the period9904 | -€58,966 | €27,279 | €13,923 | €2,012 | -€21,697 | ▼ 1,178% |
| Profit (loss) for the period to be appropriated9905 | -€58,966 | €27,279 | €13,923 | €2,012 | -€21,697 | ▼ 1,178% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €59,841 | €81,808 | €78,022 | €63,449 | €52,021 | ▼ 18.0% |
| Fixed assets21/28 | €16,483 | €16,575 | €18,365 | €44,029 | €37,044 | ▼ 15.9% |
| Tangible fixed assets22/27 | €16,483 | €16,575 | €18,365 | €44,029 | €37,044 | ▼ 15.9% |
| Land and buildings22 | - | €1,780 | €1,561 | €5,321 | €9,542 | ▲ 79.3% |
| Plant, machinery and equipment23 | - | €3,530 | €2,015 | €500 | - | - |
| Furniture and vehicles24 | - | €11,265 | €14,789 | €38,208 | €27,502 | ▼ 28.0% |
| Current assets29/58 | €43,358 | €65,234 | €59,657 | €19,420 | €14,977 | ▼ 22.9% |
| Stocks and contracts in progress3 | €3,275 | €2,845 | €1,620 | €1,525 | €1,655 | ▲ 8.5% |
| Stocks30/36 | - | €2,845 | €1,620 | €1,525 | €1,655 | ▲ 8.5% |
| Amounts receivable within one year40/41 | €38,125 | €58,779 | €54,040 | €12,133 | €7,807 | ▼ 35.6% |
| Trade receivables40 | - | €58,501 | €44,863 | €1,963 | €1,963 | = |
| Other amounts receivable41 | - | €278 | €9,177 | €10,169 | €5,844 | ▼ 42.5% |
| Cash at bank and in hand54/58 | €1,746 | €3,020 | €3,311 | €4,520 | €4,244 | ▼ 6.1% |
| Deferred charges and accrued income490/1 | - | €590 | €686 | €1,242 | €1,270 | ▲ 2.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €59,841 | €81,808 | €78,022 | €63,449 | €52,021 | ▼ 18.0% |
| Equity10/15 | €15,890 | €43,169 | €57,091 | €59,103 | €37,406 | ▼ 36.7% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €54,500 | €54,500 | €54,500 | €54,500 | €54,500 | = |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | - | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | - | - | - |
| Distributable reserves133 | - | €52,500 | €52,500 | €54,500 | €54,500 | = |
| Profit (loss) carried forward14 | -€58,610 | -€31,331 | -€17,409 | -€15,397 | -€37,094 | ▼ 141% |
| Amounts payable17/49 | €43,951 | €38,639 | €20,931 | €4,346 | €14,615 | ▲ 236% |
| Amounts payable within one year42/48 | €26,436 | €27,540 | €16,210 | €4,346 | €14,615 | ▲ 236% |
| Financial debts43 | - | - | - | - | €10,000 | - |
| Other loans439 | - | - | - | - | €10,000 | - |
| Trade debts44 | €6,326 | €8,615 | €5,384 | €3,976 | €3,866 | ▼ 2.8% |
| Suppliers440/4 | - | €8,615 | €5,384 | €3,976 | €3,866 | ▼ 2.8% |
| Taxes, remuneration and social security45 | - | €14,283 | €7,763 | - | €311 | - |
| Taxes450/3 | - | €12,662 | €5,763 | - | €311 | - |
| Remuneration and social security454/9 | - | €1,622 | €2,000 | - | - | - |
| Other amounts payable47/48 | - | €4,641 | €3,063 | €370 | €437 | ▲ 18.2% |
| Accrued charges and deferred income492/3 | - | €11,100 | €4,721 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€58,966 | €27,279 | €13,923 | €2,012 | -€21,697 | ▼ 1,178% |
| + Depreciation and write-downs630 | €6,902 | €5,909 | €5,275 | €7,769 | €9,383 | ▲ 20.8% |
| Operating cash flow (approximation) | -€52,064 | €33,188 | €19,198 | €9,780 | -€12,315 | ▼ 226% |
| Investment in fixed assets (approximation) | - | -€6,000 | -€7,066 | -€33,433 | -€2,397 | ▲ 92.8% |
| Change in cash | - | €1,274 | €291 | €1,209 | -€276 | ▼ 123% |
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
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €27,279
Net result €27,279 after one loss-making year.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet -€58,966
Net result drops to -€58,966, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Middelkerke · 1 establishment unit since 2003
Ground area
343 m²
Building footprint
100 m²
Parcel 35022B0311/00P033, Flanders. Linked by address, not a title deed.
1 establishment unit
JOPA
since 20032.135.594.461
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35022B0311/00P033 | Flanders | 343 m² | 1 · 100 m² | - |
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.
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Of 24,865 companies in sector 96220 we hold annual accounts for 1,444. 1,163 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
Founded13-05-2003
Fiscal year end30-06
Activities, NACEBEL 2025
46643Wholesale of electrical equipment, including installation materials
96220Beauty care and other beauty treatments
47640Retail sale of games and toys
E-invoicing
Reachable via Peppol
Peppol ID
0208:0480218393
Also
9925:BE0480218393
Registered
12-05-2025
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.