Joris Palmans

Active

Private limited companyfounded 20206 yrs activeBosschelweg 26, 3950 Bocholt, BelgiumKBO/BCE: BE 0753.664.759

Joris Palmans has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €15k and a net result of €73k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

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Checked score

Score 2024

64 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency33▼-39

Growth58▼-20

Track record100

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.99 against 1.87 in 2023; short-term debt: 90.4% and cash: 53% of total assets), and 92.3% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

7.7%

Return on assets

36.7%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 20785 sector peers (2024).

NBB · sector comparison

Position among 20785 sector peers

Solvency

better than 11%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

2 d early

2023

48 d early

2022

16 d late

2021

31 d early

2020

36 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€15k▼ 80.3%

2023 · €77k

2020: €37k 2021: €97k 2022: €169k 2023: €77k

2020 → 2024

Total assets

€198k▲ 21.0%

2023 · €163k

2020: €50k 2021: €180k 2022: €257k 2023: €163k

2020 → 2024

Net result

€73k▼ 11.6%

2023 · €82k

2020: €22k 2021: €60k 2022: €72k 2023: €82k

2020 → 2024

Working capital

€-2k

2023 · €63k

2020: €37k 2021: €88k 2022: €159k 2023: €63k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€37k-€97k▲ 163%€169k▲ 73.7%€77k▼ 54.2%€15k▼ 80.3%

Operating result€28k-€77k▲ 173%€92k▲ 18.9%€106k▲ 15.5%€94k▼ 11.3%

Net result€22k-€60k▲ 174%€72k▲ 19.1%€82k▲ 14.8%€73k▼ 11.6%

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 11% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €198k

11%

89.2%

Fixed assets €21k▼ 23.6%

Current assets €176k▲ 30.3%

Equity and liabilities €198k

92.3%

Equity €15k▼ 80.3%

Debt €182k▲ 112%

The debt ratio rises from 52.7% to 92.3%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€106k▼

2023 · €117k

Cash flow

€84k▼

2023 · €93k

Solvency

7.7%▼

2023 · 47.3%

Current ratio

0.99▼

2023 · 1.87

Quick ratio

0.99▼

2023 · 1.87

Debt / equity

12.00▲

2023 · 1.12

ROE

477.5%▲

2023 · 106.5%

ROA

36.7%▼

2023 · 50.3%

Interest coverage

284.37▲

2023 · 168.10

Debt

€182k▲

2023 · €86k

Debt ≤ 1 year

€179k▲

2023 · €72k

Debt > 1 year

€3k▼

2023 · €14k

Income taxes

€21k▼

2023 · €23k

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€163k€198k▲

Fixed assets21/28€28k€21k▼

Tangible fixed assets22/27€28k€21k▼

Plant, machinery and equipment23€1k€1k▼

Furniture and vehicles24€3k€1k▼

Leasing and similar rights25€24k€14k▼

Other tangible fixed assets26-€5k

Current assets29/58€135k€176k▲

Amounts receivable within one year40/41€53k€71k▲

Trade receivables40€53k€71k▲

Other amounts receivable41€456€214▼

Cash at bank and in hand54/58€80k€105k▲

Deferred charges and accrued income490/1€2k€268▼

Equity and liabilities

Total equity and liabilities10/49€163k€198k▲

Equity10/15€77k€15k▼

Contributions10/11€15k€15k=

Reserves13€62k-

Distributable reserves133€62k-

Profit (loss) carried forward14€116€200▲

Amounts payable17/49€86k€182k▲

Amounts payable after more than one year17€14k€3k▼

Financial debts170/4€14k€3k▼

Amounts payable within one year42/48€72k€179k▲

Current portion of amounts payable after more than one year42€10k€11k▲

Taxes, remuneration and social security45€36k€26k▼

Taxes450/3€36k€26k▼

Other amounts payable47/48€27k€142k▲

Accrued charges and deferred income492/3-€410

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲

Other operating charges640/8€3k€2k▼

Gross operating margin9900€120k€108k▼

Operating profit (loss)9901€106k€94k▼

Financial income75/76B€0€0▼

Recurring financial income75€0€0▼

Financial charges65/66B€697€372▼

Recurring financial charges65€697€372▼

Profit (loss) for the period before taxes9903€105k€94k▼

Income taxes67/77€23k€21k▼

Profit (loss) for the period9904€82k€73k▼

Profit (loss) for the period to be appropriated9905€82k€73k▼

Appropriation of the result

Profit (loss) to be appropriated9906€82k€73k▼

Profit (loss) brought forward from the previous period14P€19€116▲

Transfer from equity791/2€154k€62k▼

Transfer to equity691/2€62k-

To other reserves6921€62k-

Profit to be distributed694/7€174k€135k▼

Return on contributions (dividend)694€174k€135k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

2025

29-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

13-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2020net €82k ▲14.8%

Operating result €106k, net result €82k, both a record.

16-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 16 days late

2022

31-12

Financial Equity above €150kEq €169k ▲73.7%

3 profitable years in a row build equity to €169k.

30-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

25-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Bocholt · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Bosschelweg 263950 Bocholt

Ground area

1,213 m²

Building footprint

140 m²

Volume, LiDAR

1,062 m³

Parcel 72016B0195/00F002, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Bosschelweg 26, 3950 Bocholt

IT consultancy

since 20202.307.117.185

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72016B0195/00F002	Flanders	1,213 m²	1 · 140 m²	11.0 m · 3 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

JUPITER-8

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MJ Engineering Consultancy

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MEERAB GROUP

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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 11,747 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-09-2020

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.