JORICH
ActiveJORICH has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €584k and a net result of €-7k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 95% of 18035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-1
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 33.94 against 47.2 in 2024), and 2.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.6%
Return on assets
-1.1%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
31 d late
2023
31 d late
2022
58 d late
2021
30 d late
2020
29 d late
2019
68 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€584k▼ 1.1%
2024 · €590k
2018: €506k
2019: €537k
2020: €519k
2021: €549k
2022: €573k
2023: €589k
2024: €590k
2018 → 2025
Total assets
€598k▼ 0.3%
2024 · €600k
2018: €662k
2019: €614k
2020: €572k
2021: €575k
2022: €597k
2023: €618k
2024: €600k
2018 → 2025
Net result
€-7k
2024 · €770
2018: €100k
2019: €31k
2020: €-18k
2021: €30k
2022: €24k
2023: €17k
2024: €770
2018 → 2025
Working capital
€466k▲ 6.5%
2024 · €437k
2018: €284k
2019: €317k
2020: €294k
2021: €351k
2022: €401k
2023: €400k
2024: €437k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€549k-€573k▲ 4.4%€589k▲ 2.9%€590k▲ 0.1%€584k▼ 1.1%
Operating result€32k-€32k▼ 2.5%€16k▼ 49.5%€3k▼ 81.3%€-11k
Net result€30k-€24k▼ 17.7%€17k▼ 31.5%€770▼ 95.4%€-7k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €3k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €598k
Fixed assets
€118k▼ 23.1%
Current assets
€480k▲ 7.5%
Equity and liabilities €598k
Equity
€584k▼ 1.1%
Debt
€14k▲ 49.4%
The debt ratio rises from 1.6% to 2.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€24k▼
2024 · €38k
Cash flow
€29k▼
2024 · €36k
Solvency
97.6%▼
2024 · 98.4%
Current ratio
33.94▼
2024 · 47.20
Quick ratio
33.76▼
2024 · 36.21
Debt / equity
0.02▲
2024 · 0.02
ROE
-1.1%▼
2024 · 0.1%
ROA
-1.1%▼
2024 · 0.1%
Interest coverage
26.03▼
2024 · 30.96
Debt
€14k▲
2024 · €9k
Debt ≤ 1 year
€14k▲
2024 · €9k
Income taxes
€264▼
2024 · €979
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€600k€598k▼
Fixed assets21/28€153k€118k▼
Tangible fixed assets22/27€153k€118k▼
Land and buildings22€115k€89k▼
Plant, machinery and equipment23€849€541▼
Furniture and vehicles24€35k€26k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€133€133=
Current assets29/58€447k€480k▲
Stocks and contracts in progress3€104k€3k▼
Stocks30/36€104k€3k▼
Amounts receivable within one year40/41€21k€28k▲
Trade receivables40€1k€0▼
Other amounts receivable41€20k€28k▲
Cash at bank and in hand54/58€318k€447k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€600k€598k▼
Equity10/15€590k€584k▼
Contributions10/11€25k€25k=
Reserves13€565k€559k▼
Distributable reserves133€565k€559k▼
Amounts payable17/49€9k€14k▲
Amounts payable within one year42/48€9k€14k▲
Trade debts44€462€3k▲
Suppliers440/4€462€3k▲
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€7k€12k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€35k=
Other operating charges640/8€10k€7k▼
Gross operating margin9900€48k€31k▼
Operating profit (loss)9901€3k€-11k▼
Financial income75/76B€0€6k▲
Recurring financial income75€0€2k▲
Non-recurring financial income76B€0€4k▲
Financial charges65/66B€1k€932▼
Recurring financial charges65€1k€932▼
Profit (loss) for the period before taxes9903€2k€-6k▼
Income taxes67/77€979€264▼
Profit (loss) for the period9904€770€-7k▼
Profit (loss) for the period to be appropriated9905€770€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€770€-7k▼
Transfer from equity791/2€0€7k▲
Transfer to equity691/2€770€0▼
To contributions691€0-
To other reserves6921€770€0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 47.20
Current ratio from 15.01 to 47.20; short-term debt falls from €29k to €9k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 14.01
Current ratio from 6.60 to 14.01; short-term debt falls from €53k to €27k.
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2020
31-12
Financial
Weakest financial yearnet €-18k ▼159%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
18-07
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 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, Herentals · 1 establishment unit since 1991
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.
Zandstraat(HRT) 862200 HerentalsGround area
510 m²
Building footprint
467 m²
Volume, LiDAR
2,377 m³
Parcel 13011F0275/00M000, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BELLEVILLE
since 19912.053.197.218
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011F0275/00M000 | Flanders | 510 m² | 1 · 466 m² | 10.0 m · 1 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
EL TURO
BE 0797.937.836
Gent · Eq €580k
LIMAVI
BE 0779.699.757
Elsene · Eq €593k
FRAMACO
BE 0421.974.249
Brussel · Eq €623k
NELE
BE 0424.517.827
Hoeilaart · Eq €534k
TRENDY BAGS
BE 0817.166.602
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Of 411 companies in sector 47722 we hold annual accounts for 165. 108 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-1991
Fiscal year end31-12
Activities, NACEBEL
47722Retail trade
52410
47512Retail sale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.