Active BE 0810.996.412Private limited company

JOS

Antwerpsesteenweg 219 ·2950 Kapellen, Belgium· 17 yrs active

Sector: Buying and selling of own real estate (68110)

Conclusion Checked

JOS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €565k and a net result of €-32k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 63% of 13655 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Based on the State Gazette, CBE and 8 annual accounts.

Key figures

Equity	€565k
Net result	€-32k
Better than sector	63%
Active	17 yrs

Financial profile 5 of 5 axes measured · computed by Checked

41 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 15

Profitability 0

Solvency 58

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2009, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

15 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

No credit

negative equity or figures too weak

Score history

78 2018

30 2019

33 2020

36 2021

57 2022

28 2023

28 2024

15 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.03 (< 1.0) -10

Quick ratio Quick ratio 0.03 (< 0.6) -5

Leverage Debt/equity 1.15 (< 2.0) +3

Profitability Negatieve ROE -6% -10

Interest coverage Interest coverage 1.4× (< 1.5×) -10

Profit trend Net profit down YoY -3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview16 NBB filings

Annual accounts filed on 29-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~56% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	46.6%	29.8%	better than 63% of 13655 sector peers
Net result	€-32k	€6k	better than 11% of 13656 sector peers
Equity	€565k	€78k	better than 86% of 13671 sector peers
Gross operating margin	€32k	€41k	better than 45% of 13639 sector peers
Total assets	€1.21M	€416k	better than 79% of 13659 sector peers

EBITDA

€24k

-37.7% 18-25

Net profit

€-32k

-62.8% 18-25

Cash flow

€7k

-65.5% 18-25

Total assets

€1.21M

-3.3% 18-25

Equity

€565k

-5.4% 18-25

Working capital

€-323k

-13.9% 18-25

Income taxes

€4k

- 18-25

Debt

€647k

-1.3% 18-25

Debt ≤ 1y

€331k

+12.8% 18-25

Debt > 1y

€294k

-14.8% 18-25

Current ratio

0.03

-27.2% 18-25

Quick ratio

0.03

-27.2% 18-25

Solvency

46.6%

-2.2% 18-25

Debt / equity

1.15

+4.4% 18-25

ROE

-5.7%

-72.1% 18-25

ROA

-2.7%

-68.3% 18-25

Interest coverage

1.39

-31.0% 18-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€24k	€38k	€58k	€79k	€53k
Net profit	€-32k	€-20k	€-4k	€20k	€-6k
Cash flow	€7k	€19k	€35k	€61k	€34k
Staff costs	-	-	-	-	-
Income taxes	-	-	-	-	-
Dividends	-	-	-	-	-
Total assets	€1.21M	€1.25M	€1.36M	€1.47M	€1.75M
Equity	€565k	€597k	€617k	€621k	€600k
Debt	€647k	€655k	€747k	€852k	€1.15M
of which ≤ 1y	€331k	€294k	€342k	€339k	€578k
of which > 1y	€294k	€345k	€394k	€507k	€564k
Working capital	€-323k	€-284k	€-259k	€-229k	€-223k
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	0.03	0.04	0.24	0.32	0.61
Quick ratio	0.03	0.04	0.24	0.07	0.07
Working capital ratio	-26.6%	-22.6%	-19.0%	-15.6%	-12.8%
Solvency	46.6%	47.7%	45.2%	42.2%	34.4%
Debt / equity	1.15	1.10	1.21	1.37	1.91
Long-term debt ratio	0.52	0.58	0.64	0.82	0.94
Interest coverage	1.39	2.01	2.51	4.37	2.83
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	-2.7%	-1.6%	-0.3%	1.4%	-0.4%
ROE	-5.7%	-3.3%	-0.6%	3.3%	-1.0%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €1.20M · 99.3% Current assets €9k · 0.7%

Equity & liabilities

Equity €565k · 46.6% Debt €647k · 53.4%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.21M	€1.25M	€1.36M	€1.47M	€1.75M
Fixed assets	21/28	€1.20M	€1.24M	€1.28M	€1.36M	€1.39M
Tangible fixed assets	22/27	€1.20M	€1.24M	€1.28M	€1.36M	€1.39M
Current assets	29/58	€9k	€10k	€83k	€110k	€355k
Stocks & contracts in progress	3	-	-	-	€86k	€317k
Amounts receivable within one year	40/41	€3k	€3k	€2k	€11k	€15k
Cash & bank	54/58	€6k	€6k	€82k	€13k	€12k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.21M	€1.25M	€1.36M	€1.47M	€1.75M
Equity	10/15	€565k	€597k	€617k	€621k	€600k
Contributions / capital	10/11	€120k	€120k	€120k	€120k	€120k
Reserves	13	€440k	€472k	€472k	€472k	€472k
Accumulated profits (losses)	14	€5k	€5k	€25k	€29k	€8k
Amounts payable	17/49	€647k	€655k	€747k	€852k	€1.15M
Amounts payable after one year	17	€294k	€345k	€394k	€507k	€564k
Amounts payable within one year	42/48	€331k	€294k	€342k	€339k	€578k
Trade debts payable within one year	44	-	-	€12k	€16k	€15k
Income statement
Gross operating margin	9900	€32k	€44k	€66k	€86k	€75k
Operating result	9901	€-15k	€-996	€19k	€39k	€12k
Financial income	75	-	-	€0	€6	-
Financial charges	65	€17k	€19k	€23k	€18k	€19k
Result before taxes	9903	€-32k	€-20k	€-4k	€20k	€-6k
Net result for the period	9904	€-32k	€-20k	€-4k	€20k	€-6k
Result to be appropriated	9905	€-32k	€-20k	€-4k	€20k	€-6k

Directors & mandates 3 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (23480904). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

BATIMMO ANN HUYBRIGHS & LUC VAN DE WIEL
Non-statutory director
State Gazette act 23480904 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Non-statutory director
LUC VAN DE WIEL
Non-statutory director
State Gazette act 23480904 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Non-statutory director
PEETERS Johan
Non-statutory director
State Gazette act 23480904 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Non-statutory director

Legal Structure

NACE primary	Buying and selling of own real estate(68110)
Legal form	Private limited company(610)
Incorporation	07-04-2009
Status	Active
Postal code	2950

Establishment units 1 location

Jos

Antwerpsesteenweg 219, 2950 KapellenReal estate activities

since 20092.273.476.397

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11362M0496/00C007	Flanders	492 m²	1 · 243 m²	12.3 m · 3 fl.

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.

Updates 11 events

All 13Financial 2Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

19-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

24-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

28-12

State Gazette act Director changes

Emmanuel Van Roosbroeck

19-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €20k

Net result €20k after 3 loss-making years.

29-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

28-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

10-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Weakest financial yearnet €-63k ▼843%

Net result drops to €-63k, the lowest in the series; recovery starts the following year.

23-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

20-06

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

24-07

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

28-12-2023 3 directors appointed, 3 resigning Director changes·Emmanuel Van Roosbroeck

LUC VAN DE WIEL, Niet-statutair bestuurder
BATIMMO ANN HUYBRIGHS & LUC VAN DE WIEL, Niet-statutair bestuurder
PEETERS Johan, Niet-statutair bestuurder
LUC VAN DE WIEL, Bestuurder
BATIMMO ANN HUYBRIGHS & LUC VAN DE WIEL, Bestuurder
PEETERS Johan, Bestuurder

Notary: Emmanuel Van Roosbroeck · Antwerpen

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Buying and selling of own real estate68110General construction of residential buildings41001

Names & trade names

Legal nameNL

JOS

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