Summary
JORA 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 €311,257 and a net result of €35,615. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 8091 sector peers (fiscal year 2025). The company has been active since 2018 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 30-06-2025 was due by 31-01-2026 and was filed on 12-11-2025, 80 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
80 d early
2024
86 d early
2023
97 d early
2022
89 d early
2021
105 d early
2020
103 d early
2019
100 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 94 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 (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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€311,257▲ 12.9%
2024 · €275,642
Net result
€35,615▼ 5.0%
2024 · €37,474
Total assets
€907,312▼ 1.3%
2024 · €919,181
Solvency
34.3%▲ 4.3pp
2024 · 30.0%
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
Operating result-€21,618€19,064€14,770▼ 22.5%€12,467▼ 15.6%€14,378▲ 15.3%
Net result€57,545within the sector's middle half▼ 9.6%€49,730within the sector's middle half▼ 13.6%€46,743within the sector's middle half▼ 6.0%€37,474within the sector's middle half▼ 19.8%€35,615within the sector's middle half▼ 5.0%
Equity€171,578within the sector's middle half▲ 50.5%€221,308within the sector's middle half▲ 29.0%€268,051within the sector's middle half▲ 21.1%€275,642within the sector's middle half▲ 2.8%€311,257within the sector's middle half▲ 12.9%
Total assets€937,534above the sector's middle half▲ 43.6%€930,757above the sector's middle half▼ 0.7%€929,526above the sector's middle half▼ 0.1%€919,181above the sector's middle half▼ 1.1%€907,312above the sector's middle half▼ 1.3%
Debt€765,956▲ 42.1%€709,449▼ 7.4%€661,475▼ 6.8%€643,538▼ 2.7%€596,055▼ 7.4%
Working capital-€40,089below the sector's middle half-€48,769below the sector's middle half▼ 21.7%-€53,245below the sector's middle half▼ 9.2%-€83,889below the sector's middle half▼ 57.6%-€93,684below the sector's middle half▼ 11.7%
Solvency18.3%below the sector's middle half▲ 0.8pp23.8%within the sector's middle half▲ 5.5pp28.8%within the sector's middle half▲ 5.1pp30.0%within the sector's middle half▲ 1.2pp34.3%within the sector's middle half▲ 4.3pp
Current ratio0.73within the sector's middle half▼ 0.830.66below the sector's middle half▼ 0.070.63below the sector's middle half▼ 0.030.52below the sector's middle half▼ 0.110.48below the sector's middle half▼ 0.05
Return on assets (ROA)6.1%within the sector's middle half▼ 3.6pp5.3%within the sector's middle half▼ 0.8pp5.0%within the sector's middle half▼ 0.3pp4.1%within the sector's middle half▼ 1.0pp3.9%within the sector's middle half▼ 0.2pp
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.
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 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €907,312
Fixed assets
€822,275 ▼ 0.6%
Current assets
€85,037 ▼ 7.8%
Equity and liabilities €907,312
Equity
€311,257 ▲ 12.9%
Debt
€596,055 ▼ 7.4%
Debt's share of the balance-sheet total falls from 70.0% to 65.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
11.4%▼
2024 · 13.6%
Debt ≤ 1 year
€178,722▲
2024 · €176,157
Debt > 1 year
€417,333▼
2024 · €467,381
Income taxes
€3,562▼
2024 · €3,747
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36,747 | €5,974 | €11,463 | €11,812 | €12,066 | ▲ 2.2% |
| Other operating charges640/8 | - | €760 | €338 | €851 | €110 | ▼ 87.1% |
| Gross operating margin9900 | €16,415 | €25,799 | €26,571 | €25,130 | €26,554 | ▲ 5.7% |
| Operating profit (loss)9901 | -€21,618 | €19,064 | €14,770 | €12,467 | €14,378 | ▲ 15.3% |
| Financial income75/76B | - | €45,976 | €46,000 | €38,195 | €35,000 | ▼ 8.4% |
| Recurring financial income75 | €93,824 | €45,976 | €46,000 | €38,195 | €35,000 | ▼ 8.4% |
| Financial charges65/66B | - | €10,337 | €9,353 | €9,441 | €10,201 | ▲ 8.1% |
| Recurring financial charges65 | €8,907 | €10,337 | €9,353 | €9,441 | €10,201 | ▲ 8.1% |
| Profit (loss) for the period before taxes9903 | €63,299 | €54,703 | €51,417 | €41,221 | €39,177 | ▼ 5.0% |
| Income taxes67/77 | €5,754 | €4,973 | €4,674 | €3,747 | €3,562 | ▼ 5.0% |
| Profit (loss) for the period9904 | €57,545 | €49,730 | €46,743 | €37,474 | €35,615 | ▼ 5.0% |
| Profit (loss) for the period to be appropriated9905 | €57,545 | €49,730 | €46,743 | €37,474 | €35,615 | ▼ 5.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €937,534 | €930,757 | €929,526 | €919,181 | €907,312 | ▼ 1.3% |
| Fixed assets21/28 | €829,191 | €837,554 | €838,724 | €826,912 | €822,275 | ▼ 0.6% |
| Tangible fixed assets22/27 | €255,191 | €263,554 | €264,724 | €252,912 | €248,275 | ▼ 1.8% |
| Land and buildings22 | - | €263,554 | €264,724 | €252,912 | €248,275 | ▼ 1.8% |
| Financial fixed assets28 | €574,000 | €574,000 | €574,000 | €574,000 | €574,000 | = |
| Current assets29/58 | €108,344 | €93,203 | €90,802 | €92,268 | €85,037 | ▼ 7.8% |
| Amounts receivable within one year40/41 | €28,824 | €28,824 | €28,824 | €33,574 | €33,574 | = |
| Trade receivables40 | - | - | - | €1,750 | €1,750 | = |
| Other amounts receivable41 | - | €28,824 | €28,824 | €31,824 | €31,824 | = |
| Cash at bank and in hand54/58 | €77,769 | €62,629 | €60,227 | €58,694 | €51,463 | ▼ 12.3% |
| Deferred charges and accrued income490/1 | - | €1,750 | €1,750 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €937,534 | €930,757 | €929,526 | €919,181 | €907,312 | ▼ 1.3% |
| Equity10/15 | €171,578 | €221,308 | €268,051 | €275,642 | €311,257 | ▲ 12.9% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €152,978 | €202,708 | €249,451 | €257,042 | €292,657 | ▲ 13.9% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €200,848 | €247,591 | €257,042 | €292,657 | ▲ 13.9% |
| Amounts payable17/49 | €765,956 | €709,449 | €661,475 | €643,538 | €596,055 | ▼ 7.4% |
| Amounts payable after more than one year17 | €617,524 | €567,476 | €517,429 | €467,381 | €417,333 | ▼ 10.7% |
| Financial debts170/4 | - | €293,476 | €243,429 | €193,381 | €143,333 | ▼ 25.9% |
| Other amounts payable178/9 | - | €274,000 | €274,000 | €274,000 | €274,000 | = |
| Amounts payable within one year42/48 | €148,433 | €141,973 | €144,047 | €176,157 | €178,722 | ▲ 1.5% |
| Current portion of amounts payable after more than one year42 | - | €50,048 | €50,048 | €50,048 | €50,048 | = |
| Trade debts44 | - | - | €449 | €495 | €110 | ▼ 77.8% |
| Suppliers440/4 | - | - | €449 | €495 | €110 | ▼ 77.8% |
| Taxes, remuneration and social security45 | - | €5,735 | €5,480 | €4,922 | €5,303 | ▲ 7.7% |
| Taxes450/3 | - | €5,735 | €5,480 | €4,922 | €5,303 | ▲ 7.7% |
| Other amounts payable47/48 | - | €86,190 | €88,070 | €120,693 | €123,261 | ▲ 2.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €57,545 | €49,730 | €46,743 | €37,474 | €35,615 | ▼ 5.0% |
| + Depreciation and write-downs630 | €36,747 | €5,974 | €11,463 | €11,812 | €12,066 | ▲ 2.2% |
| Operating cash flow (approximation) | €94,292 | €55,705 | €58,206 | €49,286 | €47,682 | ▼ 3.3% |
| Investment in fixed assets (approximation) | - | -€14,338 | -€12,634 | €0 | -€7,429 | - |
| Change in cash | - | -€15,141 | -€2,401 | -€1,534 | -€7,231 | ▼ 372% |
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
2025
12-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
06-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €200,000Eq €221,308 ▲29%
4 profitable years in a row build equity to €221,308.
2021
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Equity above €150,000Eq €171,578 ▲50.5%
3 profitable years in a row build equity to €171,578.
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €63,691 ▲101%
Net result €63,691, the highest in the series.
30-06
Financial
Equity above €100,000Eq €114,033 ▲127%
2 profitable years in a row build equity to €114,033.
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Sint-Niklaas · 1 establishment unit since 2018
Ground area
867 m²
Building footprint
131 m²
Volume, LiDAR
817 m³
Parcel 46446B0291/00H000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JORA BVBA
since 20182.275.589.514
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46446B0291/00H000 | Flanders | 867 m² | 1 · 131 m² | 10.6 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 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
70%
According to the annual accounts to 30-06-2025 of JORA and those 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 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,785 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
Founded26-04-2018
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0695491384
Also
9925:BE0695491384
Registered
25-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.