JOPADA
ActiveJOPADA has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €312k and a net result of €11k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 59% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability17▼-47
Solvency54▲+43
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.15 against 0.22 in 2023), and 57.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
36 d early
2022
151 d early
2021
114 d early
2020
40 d early
2019
105 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€312k▲ 236%
2023 · €93k
2018: €43k
2019: €53k
2020: €62k
2021: €72k
2022: €81k
2023: €93k
2018 → 2024
Total assets
€733k▲ 33.1%
2023 · €550k
2018: €698k
2019: €604k
2020: €563k
2021: €569k
2022: €567k
2023: €550k
2018 → 2024
Net result
€11k▼ 11.5%
2023 · €12k
2018: €11k
2019: €10k
2020: €9k
2021: €10k
2022: €9k
2023: €12k
2018 → 2024
Working capital
€-359k=
2023 · €-358k
2018: €-470k
2019: €-448k
2020: €-426k
2021: €-404k
2022: €-383k
2023: €-358k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€62k-€72k▲ 16.3%€81k▲ 12.8%€93k▲ 14.7%€312k▲ 236%
Operating result€13k-€15k▲ 11.8%€14k▼ 7.2%€18k▲ 26.1%€16k▼ 6.9%
Net result€9k-€10k▲ 11.9%€9k▼ 8.7%€12k▲ 29.7%€11k▼ 11.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 7% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €733k
Fixed assets
€671k▲ 48.7%
Current assets
€62k▼ 37.8%
Equity and liabilities €733k
Equity
€312k▲ 236%
Debt
€420k▼ 8.1%
The debt ratio falls from 83.1% to 57.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€29k▼
2023 · €30k
Cash flow
€23k▼
2023 · €24k
Solvency
42.6%▲
2023 · 16.9%
Current ratio
0.15▼
2023 · 0.22
Quick ratio
0.15▼
2023 · 0.22
Debt / equity
1.34▼
2023 · 4.92
ROE
3.4%▼
2023 · 12.9%
ROA
1.4%▼
2023 · 2.2%
Interest coverage
135.46▼
2023 · 143.53
Debt
€420k▼
2023 · €457k
Debt ≤ 1 year
€420k▼
2023 · €457k
Income taxes
€6k▲
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€550k€733k▲
Fixed assets21/28€451k€671k▲
Tangible fixed assets22/27€451k€671k▲
Land and buildings22€447k€669k▲
Furniture and vehicles24€4k€2k▼
Current assets29/58€99k€62k▼
Amounts receivable within one year40/41€11k€74▼
Trade receivables40€11k-
Other amounts receivable41-€74
Cash at bank and in hand54/58€88k€62k▼
Equity and liabilities
Total equity and liabilities10/49€550k€733k▲
Equity10/15€93k€312k▲
Contributions10/11€20k€20k=
Revaluation surpluses12-€232k
Reserves13€72k€60k▼
Distributable reserves133€72k€60k▼
Amounts payable17/49€457k€420k▼
Amounts payable within one year42/48€457k€420k▼
Financial debts43€25k€25k=
Other loans439€25k€25k=
Trade debts44€384€7k▲
Suppliers440/4€384€7k▲
Taxes, remuneration and social security45€1k€7k▲
Taxes450/3€1k€7k▲
Other amounts payable47/48€431k€381k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€6k€6k▲
Gross operating margin9900€35k€34k▼
Operating profit (loss)9901€18k€16k▼
Financial charges65/66B€208€211▲
Recurring financial charges65€208€211▲
Profit (loss) for the period before taxes9903€17k€16k▼
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€12k€11k▼
Profit (loss) for the period to be appropriated9905€12k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€11k▼
Transfer from equity791/2-€23k
Transfer to equity691/2€12k€11k▼
To other reserves6921€12k€11k▼
Profit to be distributed694/7-€23k
Return on contributions (dividend)694-€23k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €312k ▲236%
7 profitable years in a row build equity to €312k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €12k ▲29.7%
Operating result €18k, net result €12k, both a record.
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €9k ▼7.1%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
17-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
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.
Directors · office · real estate
Directors
3 directors, no change since 2024
Kluger David
CurrentDirector · since 27-06-2024
19-11-2024
Kluger Paul: Resigned as Director
19-11-2024
Patteet Joëlle: Resigned as Director
27-06-2024
Kluger David: Appointed as Director
27-12-2023
Kluger Paul: Appointed as Director
27-12-2023
Patteet Joëlle: Appointed as Director
Location & real-estate footprint
Registered office, Zemst · 1 establishment unit since 2015
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.
Ambroossteenweg 1751981 ZemstGround area
5,104 m²
Building footprint
219 m²
Volume, LiDAR
1,186 m³
Parcel 23034A0174/00M000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOPADA
since 20152.242.738.186
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23034A0174/00M000 | Flanders | 5,104 m² | 1 · 219 m² | 7.8 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
REBR
BE 0536.348.533
Merchtem · Eq €313k
ANNADA IMMO
BE 1003.737.687
Ans · Eq €313k
SPEDITION UND LAGERUNG
BE 0436.543.055
Amel · Eq €312k
CORVIER
BE 0438.347.651
Jabbeke · Eq €312k
Euro Thermo
BE 0401.297.413
Oudsbergen · Eq €313k
Of 11,974 companies in sector 68203 we hold annual accounts for 5,947. 4,392 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2015
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.