JOQUI
ActiveSummary
JOQUI has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41k and a net result of €3k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability44▲+16
Solvency58▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.31 in 2023; short-term debt: 61.9% and cash: 0.1% of total assets), and 67.4% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
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 2024Solvency, return and age of the figures
Solvency
32.6%
Return on assets
2.2%
Age of the figures
21 mo
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 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
47 d early
2022
32 d late
2021
38 d early
2020
30 d early
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2024, micro schema
Equity
€41k▲ 7.2%
2023 · €38k
Total assets
€125k▼ 9.1%
2023 · €138k
Net result
€3k
2023 · €-3k
Working capital
€37k▲ 28.9%
2023 · €29k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€13k▼ 21.2%€-4k€6k€3k▼ 56.9%€8k▲ 183%
Net result€11k▼ 21.6%€-6k€3k€-3k€3k
Equity€44k▲ 32.7%€38k▼ 13.7%€41k▲ 8.1%€38k▼ 7.2%€41k▲ 7.2%
Total assets€163k▲ 16.6%€150k▼ 7.9%€139k▼ 7.2%€138k▼ 0.8%€125k▼ 9.1%
Debt€119k▲ 11.5%€112k▼ 5.7%€98k▼ 12.5%€100k▲ 2.0%€85k▼ 15.3%
Working capital€29k▼ 11.4%€26k▼ 12.1%€30k▲ 18.3%€29k▼ 5.1%€37k▲ 28.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 183% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €125k
Fixed assets
€11k ▼ 38.2%
Current assets
€115k ▼ 4.9%
Equity and liabilities €125k
Equity
€41k ▲ 7.2%
Debt
€85k ▼ 15.3%
Debt's share of the balance-sheet total falls from 72.3% to 67.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2023 · €8k
Cash flow
€9k▲
2023 · €3k
Current ratio
1.48▲
2023 · 1.31
Quick ratio
0.08▼
2023 · 0.13
Debt to equity
2.07▼
2023 · 2.61
ROE
6.7%▲
2023 · -7.8%
ROA
2.2%▲
2023 · -2.2%
Interest coverage
2.75▲
2023 · 1.47
Debt ≤ 1 year
€78k▼
2023 · €92k
Income taxes
€2k▲
2023 · €190
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €11 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €5k | €5k | €6k | €7k | ▲ 17.2% |
| Other operating charges640/8 | - | €687 | €865 | €755 | €820 | ▲ 8.5% |
| Gross operating margin9900 | €17k | €1k | €12k | €9k | €15k | ▲ 66.4% |
| Operating profit (loss)9901 | €13k | €-4k | €6k | €3k | €8k | ▲ 183% |
| Financial income75/76B | - | €86 | €3 | €165 | €2k | ▲ 1,090% |
| Recurring financial income75 | €139 | €86 | €3 | €165 | €2k | ▲ 1,090% |
| Financial charges65/66B | - | €2k | €2k | €6k | €5k | ▼ 8.4% |
| Recurring financial charges65 | €1k | €2k | €2k | €6k | €5k | ▼ 8.4% |
| Profit (loss) for the period before taxes9903 | €12k | €-6k | €5k | €-3k | €4k | ▲ 261% |
| Income taxes67/77 | €1k | €115 | €2k | €190 | €2k | ▲ 824% |
| Profit (loss) for the period9904 | €11k | €-6k | €3k | €-3k | €3k | ▲ 192% |
| Profit (loss) for the period to be appropriated9905 | €11k | €-6k | €3k | €-3k | €3k | ▲ 192% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €163k | €150k | €139k | €138k | €125k | ▼ 9.1% |
| Fixed assets21/28 | €24k | €19k | €15k | €17k | €11k | ▼ 38.2% |
| Tangible fixed assets22/27 | €24k | €19k | €15k | €17k | €11k | ▼ 38.3% |
| Plant, machinery and equipment23 | - | - | - | €7k | €6k | ▼ 21.7% |
| Furniture and vehicles24 | - | €15k | €11k | €7k | €2k | ▼ 66.6% |
| Other tangible fixed assets26 | - | €4k | €4k | €3k | €3k | ▼ 16.0% |
| Financial fixed assets28 | €300 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €138k | €131k | €124k | €121k | €115k | ▼ 4.9% |
| Stocks and contracts in progress3 | €131k | €120k | €115k | €109k | €108k | ▼ 0.3% |
| Stocks30/36 | - | €120k | €115k | €109k | €108k | ▼ 0.3% |
| Amounts receivable within one year40/41 | €2k | €4k | €3k | €8k | €2k | ▼ 73.3% |
| Trade receivables40 | - | €1k | €245 | €5k | €729 | ▼ 86.1% |
| Other amounts receivable41 | - | €3k | €3k | €3k | €1k | ▼ 51.4% |
| Cash at bank and in hand54/58 | €1k | €3k | €3k | €389 | €79 | ▼ 79.6% |
| Deferred charges and accrued income490/1 | - | €4k | €4k | €3k | €4k | ▲ 23.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €163k | €150k | €139k | €138k | €125k | ▼ 9.1% |
| Equity10/15 | €44k | €38k | €41k | €38k | €41k | ▲ 7.2% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | - | €6k | - | - | - | - |
| Issued capital100 | - | €19k | - | - | - | - |
| Uncalled capital101 | - | €12k | - | - | - | - |
| Reserves13 | €38k | €32k | €35k | €32k | €35k | ▲ 8.5% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | - | - |
| Legal reserve130 | - | €2k | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €2k | €2k | - | - |
| Distributable reserves133 | - | €30k | €33k | €30k | €35k | ▲ 15.2% |
| Amounts payable17/49 | €119k | €112k | €98k | €100k | €85k | ▼ 15.3% |
| Amounts payable after more than one year17 | €9k | €7k | €4k | €2k | - | - |
| Financial debts170/4 | - | €7k | €4k | €2k | - | - |
| Amounts payable within one year42/48 | €109k | €105k | €94k | €92k | €78k | ▼ 15.5% |
| Current portion of amounts payable after more than one year42 | - | €3k | €4k | €3k | €2k | ▼ 30.2% |
| Financial debts43 | - | €5k | - | - | €2k | - |
| Credit institutions430/8 | - | €5k | - | - | €2k | - |
| Trade debts44 | €6k | €6k | €2k | €9k | €5k | ▼ 47.6% |
| Suppliers440/4 | - | €6k | €2k | €9k | €5k | ▼ 47.6% |
| Taxes, remuneration and social security45 | - | €5k | €10k | €7k | €6k | ▼ 12.4% |
| Taxes450/3 | - | €4k | €8k | €6k | €5k | ▼ 15.0% |
| Remuneration and social security454/9 | - | €1k | €1k | €1k | €1k | = |
| Other amounts payable47/48 | - | €85k | €78k | €72k | €62k | ▼ 13.0% |
| Accrued charges and deferred income492/3 | - | - | - | €6k | €7k | ▲ 10.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €-6k | €3k | €-3k | €3k | ▲ 192% |
| + Depreciation and write-downs630 | €3k | €5k | €5k | €6k | €7k | ▲ 17.2% |
| Operating cash flow (approximation) | €13k | €-1k | €8k | €3k | €9k | ▲ 254% |
| Investment in fixed assets (approximation) | - | €250 | €-528 | €-8k | €0 | ▲ 100% |
| Change in cash | - | €2k | €1 | €-2k | €-309 | ▲ 87.0% |
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €14k ▲71.5%
Operating result €17k, net result €14k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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 2013
Ground area
178 m²
Building footprint
124 m²
Volume, LiDAR
1,081 m³
Parcel 23642D0696/00K000, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Leuvensestraat 3, 1800 Vilvoorde
since 20132.215.757.043
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0696/00K000 | Flanders | 178 m² | 1 · 124 m² | 12.0 m · 3 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.
Similar companies · same sector, comparable size
BAMM EDM
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Veilinghuis Artdeco
BE 0446.263.544
Antwerpen · Eq €41,696
BL BIJOUX
BE 0643.497.307
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WILDER
BE 0560.853.802
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Of 2,018 companies in sector 47770 we hold annual accounts for 897. 619 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
Founded19-12-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47770Retail sale of watches and jewellery
Scores and ratios are computed by Checked and are not a credit decision.