Equity
€217,330 ▲ 20.3%
JOSAR has made a profit in every financial year since 2009.
JOSAR
Lifetime
17 annual accounts with figures on one time axispeak €83,951 (2025)
€83,951▲ 5.0%
peak €63,720 (2025)
€63,720▲ 1.2%
peak €217,330 (2025)
€217,330▲ 20.3%
€85,252▼ 1.8%
Board1 name since 2008
1 directorPereira Martin Montserrat
Documentsfilings and deeds
30-08-202630 days late
2025abbreviated format
Equity from €180,610 to €217,330Cash from €244,802 to €74,910
Key points
from the 2025 annual accountsChecked score
96
Excellent
Financially stronger than 68% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025highest value
10-2025: < 0.1%▼ -0.1 percentage points vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 3.53, cash €74,910, halved
Equity €217,330 (71.8% of total assets)
Sector: Office administrative, office support and other business support activities (NACE 82)
Figures for financial year 2025 (filed on 30-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 72% of them on solvency, 64% on liquidity, 69% on profitability and 66% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as JOSAR has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of JOSAR itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for JOSAR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €20,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.53 (3.04 in 2024), above the usual 1.5. Short-term debt is 28.2% and cash 24.8% of total assets. 28.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 30 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
30 days late
2024
29 days late
2023
19 days late
2022
23 days late
2021
31 days late
2020
30 days late
2019
11 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 25 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0807879148
Incorporation
published on 28-11-2008 · Gazette deed
First establishment
Merksemsebaan 243, Wijnegem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JOSAR Wijnegem | €302,582 | €83,951 | 71.8% | - |
| MARTELLO Hove | €305,827 | €75,245 | 87.8% | - |
| AMC CONCEPT Lummen | €333,621 | €78,914 | 45.6% | - |
| INGEXP Anderlecht | €309,141 | €95,194 | 32.5% | - |
| BELINDA BIELEN Maaseik | €315,186 | €71,641 | 58.9% | - |
| MY IT Consulting Sint-Lievens-Houtem | €261,792 | €90,859 | 88.2% | - |
| B-DOCS Brussels | €285,959 | €85,479 | 66.9% | - |
These companies have the same main activity as JOSAR: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €262,000 and €334,000, founded between 2005 and 2010.
Official details
Source: KBO- Status
- Active since 20-11-2008Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 2 others
- Establishment unit
- 2.174.562.9252110 Wijnegem, since 14-11-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 19-02-2024
Insights on JOSAR
JOSAR files the abbreviated format. That format states no turnover. The gross margin rose from €3,654 in 2009 to €83,951 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JOSAR
- What is the company number of JOSAR?
- The company number of JOSAR is 0807.879.148. The VAT number is the same number with BE in front: BE 0807.879.148.
- Where is JOSAR based?
- The registered office is at Merksemsebaan 243, 2110 Wijnegem.Company details
- What does JOSAR do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of JOSAR?
- JOSAR is a private limited company (pre-2019) (BVBA).
- When was JOSAR founded?
- JOSAR was founded on 20-11-2008.
- Is JOSAR still active?
- Yes, JOSAR is an active enterprise in the KBO register.
- What is the turnover of JOSAR?
- The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €83,951 and 51 comparable companies (NACE 82). It probably lies between €130,000 and €230,000. In financial year 2019 turnover was €82,534.Financials
- Is JOSAR profitable?
- In financial year 2025, JOSAR made a profit of €63,720.
- Where can I find the annual accounts of JOSAR?
- JOSAR filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JOSAR due?
- JOSAR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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