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JOSAL

Active
Private limited companyfounded 20215 yrs activeW.A. Mozartlaan 2, 1620 Drogenbos, BelgiumKBO/BCE: BE 0762.623.601
Summary

The computed 12-month bankruptcy probability of JOSAL is 3.0% (moderate). The 2025 annual accounts show equity of €92,781 and a net result of €108,319. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 27% of 9010 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
JOSALActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€432,321total assets 2025
Equity
€92,781
Profit
€108,319
Turnover not published (abridged schema)
Financial health
52 Fair Checked score 2025
Bankruptcy chance 12 m
3.0%
Structure
Accounts filed 53 d late0 of 2 deeds read
Why 52- Sector Construction of residential and non-residential buildings (NACE 41)- Latest accounts 53 days late; 1 of the last 3 late- Founded in 2021- Equity €92,781 (21.5% of total assets)Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 57% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 46+7
equity 21.5% of total assets
Liquidity 24-11
short-term debt 69.7% · cash 9.2%
Profitability 100+2
return on assets 25.1%
Bankruptcy probability, 12 months
3.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,373 companies)
Last 24 months 11-2024: 3.3% 12-2024: 3.3%● 0.0% vs 11-2024 01-2025: 3.5%▲ +6.8% vs 12-2024 02-2025: 3.6%▲ +1.6% vs 01-2025 03-2025: 3.6%▲ +0.2% vs 02-2025 04-2025: 3.8%▲ +6.1% vs 03-2025 05-2025: 4.5%▲ +17.8% vs 04-2025 06-2025: 1.5%▼ -66.7% vs 05-2025lowest value 07-2025: 1.5%▲ +3.2% vs 06-2025 08-2025: 1.5%● 0.0% vs 07-2025 09-2025: 1.5%● 0.0% vs 08-2025 10-2025: 1.5%▼ -1.0% vs 09-2025 11-2025: 1.5%● 0.0% vs 10-2025 12-2025: 1.5%● 0.0% vs 11-2025 01-2026: 1.6%▲ +7.4% vs 12-2025 02-2026: 1.7%▲ +4.0% vs 01-2026 03-2026: 1.7%▲ +0.2% vs 02-2026 04-2026: 1.8%▲ +4.7% vs 03-2026 05-2026: 2.1%▲ +20.4% vs 04-2026 06-2026: 2.4%▲ +9.8% vs 05-2026 07-2026: 3.9%▲ +64.4% vs 06-2026 08-2026: 3.9%▲ +0.8% vs 07-2026 09-2026: 4.5%▲ +14.9% vs 08-2026highest value 10-2026: 3.0%▼ -34.1% vs 09-2026
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Latest accounts 53 days late; 1 of the last 3 late raises the probability
  • Founded in 2021 raises the probability for this profile
  • Equity €92,781 (21.5% of total assets) raises the probability
Credit up to €4,500 at 30 days acceptable
Liquidity short (current ratio 1.0 against 0.74 in 2024; short-term debt: 69.7% and cash: 9.2% of total assets), and 78.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 28%, liquidity 20%, profitability 91%, growth against the median 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Latest accounts 53 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Founded in 2021
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Equity €92,781 (21.5% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-06-2026, 53 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 · 4 filings
Deviation from the deadline
2025
53 d late
2024
7 d late
2023
8 d late
2022
5 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 16 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 8 May (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close05-10-2026 today30-04-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2022net €108,319 ▲46.2%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 5% on net resultsector median €8,440 · 9,002 companies €108,319 View
  • Total assets 20254 fiscal years filed €432,321 View
  • Active since 2021founded 28-01-2021 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€432,321
Profit
€108,319
Solvency
21.5%
Total assets▲ 36.9%
Net result
20222025
Go to Financials

Timeline

Events
5
Since
2023
Next accounts
by 30-04-2027
  1. 22-06-2026Annual accounts filed
  2. 30-09-2025Highest result since 2022
  3. 07-05-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
28-01-2021
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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