JOS DB
ActiveSummary
The computed 12-month bankruptcy probability of JOS DB is 1.5% (moderate). The 2025 annual accounts show equity of €326,803 and a net result of €162,101. Its solvency ranks better than 85% of 18537 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+5
Growth78
Track record82
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days only on tighter terms
Liquidity ample (current ratio 4.0 against 3.11 in 2024; short-term debt: 23% and cash: 90.1% of total assets), and 23% 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 · Young company
A young company has little track record yet and statistically fails more often than an established 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
77%
Return on assets
38.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
25 d late
2024
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 4 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€326,803▲ 98.4%
2024 · €164,701
Total assets
€424,667▲ 80.3%
2024 · €235,550
Net result
€162,101▲ 0.5%
2024 · €161,367
Working capital
€293,293▲ 99.2%
2024 · €147,228
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20242025
Operating result€233,060-€238,271▲ 2.2%
Net result€161,367above the sector's middle half-€162,101above the sector's middle half▲ 0.5%
Equity€164,701above the sector's middle half-€326,803above the sector's middle half▲ 98.4%
Total assets€235,550within the sector's middle half-€424,667above the sector's middle half▲ 80.3%
Debt€70,849-€97,864▲ 38.1%
Working capital€147,228-€293,293▲ 99.2%
Solvency69.9%above the sector's middle half-77.0%above the sector's middle half▲ 7.0pp
Staff (FTE)2.2-1.7▼ 22.7%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 rises in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €424,667
Fixed assets
€33,571 ▲ 82.4%
Current assets
€391,095 ▲ 80.1%
Equity and liabilities €424,667
Equity
€326,803 ▲ 98.4%
Debt
€97,864 ▲ 38.1%
Debt's share of the balance-sheet total falls from 30.1% to 23.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€247,146▲
2024 · €235,326
Cash flow
€170,976▲
2024 · €163,633
Current ratio
4.00▲
2024 · 3.11
Quick ratio
3.94▲
2024 · 2.97
Debt to equity
0.30▼
2024 · 0.43
ROE
49.6%▼
2024 · 98.0%
ROA
38.2%▼
2024 · 68.5%
Interest coverage
66.16▼
2024 · 92.59
Debt ≤ 1 year
€97,802▲
2024 · €69,921
Income taxes
€72,435▲
2024 · €69,197
Staff costs
€51,614▼
2024 · €58,578
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Non-recurring operating income76A | - | €500 | - |
| Remuneration, social security and pensions62 | €58,578 | €51,614 | ▼ 11.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,266 | €8,875 | ▲ 292% |
| Other operating charges640/8 | €2,361 | €3,448 | ▲ 46.0% |
| Gross operating margin9900 | €296,265 | €302,208 | ▲ 2.0% |
| Operating profit (loss)9901 | €233,060 | €238,271 | ▲ 2.2% |
| Financial income75/76B | €46 | €1 | ▼ 98.0% |
| Recurring financial income75 | €46 | €1 | ▼ 98.0% |
| Financial charges65/66B | €2,542 | €3,736 | ▲ 47.0% |
| Recurring financial charges65 | €2,542 | €3,736 | ▲ 47.0% |
| Profit (loss) for the period before taxes9903 | €230,564 | €234,536 | ▲ 1.7% |
| Income taxes67/77 | €69,197 | €72,435 | ▲ 4.7% |
| Profit (loss) for the period9904 | €161,367 | €162,101 | ▲ 0.5% |
| Profit (loss) for the period to be appropriated9905 | €161,367 | €162,101 | ▲ 0.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €235,550 | €424,667 | ▲ 80.3% |
| Fixed assets21/28 | €18,401 | €33,571 | ▲ 82.4% |
| Tangible fixed assets22/27 | €18,401 | €33,571 | ▲ 82.4% |
| Plant, machinery and equipment23 | €16,005 | €26,855 | ▲ 67.8% |
| Furniture and vehicles24 | €2,396 | €1,326 | ▼ 44.6% |
| Other tangible fixed assets26 | - | €5,390 | - |
| Current assets29/58 | €217,149 | €391,095 | ▲ 80.1% |
| Stocks and contracts in progress3 | €9,500 | €6,000 | ▼ 36.8% |
| Stocks30/36 | €9,500 | €6,000 | ▼ 36.8% |
| Amounts receivable within one year40/41 | €2,140 | €1,461 | ▼ 31.7% |
| Other amounts receivable41 | €2,140 | €1,461 | ▼ 31.7% |
| Cash at bank and in hand54/58 | €201,391 | €382,577 | ▲ 90.0% |
| Deferred charges and accrued income490/1 | €4,118 | €1,057 | ▼ 74.3% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €235,550 | €424,667 | ▲ 80.3% |
| Equity10/15 | €164,701 | €326,803 | ▲ 98.4% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €159,701 | €321,803 | ▲ 102% |
| Distributable reserves133 | €159,701 | €321,803 | ▲ 102% |
| Amounts payable17/49 | €70,849 | €97,864 | ▲ 38.1% |
| Amounts payable within one year42/48 | €69,921 | €97,802 | ▲ 39.9% |
| Trade debts44 | €22,245 | €13,837 | ▼ 37.8% |
| Suppliers440/4 | €22,245 | €13,837 | ▼ 37.8% |
| Taxes, remuneration and social security45 | €46,010 | €83,239 | ▲ 80.9% |
| Taxes450/3 | €34,808 | €70,567 | ▲ 103% |
| Remuneration and social security454/9 | €11,203 | €12,673 | ▲ 13.1% |
| Other amounts payable47/48 | €1,666 | €725 | ▼ 56.5% |
| Accrued charges and deferred income492/3 | €928 | €62 | ▼ 93.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €161,367 | €162,101 | ▲ 0.5% |
| + Depreciation and write-downs630 | €2,266 | €8,875 | ▲ 292% |
| Operating cash flow (approximation) | €163,633 | €170,976 | ▲ 4.5% |
| Investment in fixed assets (approximation) | - | -€24,046 | - |
| Change in cash | - | €181,185 | - |
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
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €200,000Eq €326,803 ▲98.4%
2 profitable years in a row build equity to €326,803.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Aalst · 1 establishment unit since 2024
Ground area
96 m²
Building footprint
115 m²
Volume, LiDAR
711 m³
Parcel 41002A1885/00B000, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOS DB
since 20242.354.748.343
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002A1885/00B000 | Flanders | 96 m² | 1 · 115 m² | 11.7 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAalst2.354.748.343
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ELIAS FOOD
BE 0633.613.403
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SLAGERIJ VAN BRUWAENE
BE 1005.393.419
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,566. 1,196 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
Founded22-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
Contact
E-mail
slagerij.jos@icloud.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:1003842409
Also
9925:BE1003842409
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.