Summary
JOSCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €99,021 and a net result of -€15,204. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 37% of 2460 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 10 filingsDeviation from the deadline
2025
6 d late
2024
20 d late
2023
1 d late
2022
21 d late
2021
16 d late
2020
4 d late
2019
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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
€99,021▼ 13.3%
2024 · €114,224
Net result
-€15,204
2024 · €46,743
Total assets
€282,004▼ 17.8%
2024 · €342,883
Solvency
35.1%▲ 1.8pp
2024 · 33.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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
Line20212022202320242025
Operating result€21,290▼ 46.9%€24,437▲ 14.8%€8,740▼ 64.2%€74,213▲ 749%-€11,383
Net result€11,247within the sector's middle half▼ 73.0%€12,250within the sector's middle half▲ 8.9%-€1,576below the sector's middle half€46,743within the sector's middle half-€15,204below the sector's middle half
Equity€115,766within the sector's middle half=€115,800within the sector's middle half=€114,224within the sector's middle half▼ 1.4%€114,224within the sector's middle half=€99,021within the sector's middle half▼ 13.3%
Total assets€318,386within the sector's middle half▼ 3.6%€305,247within the sector's middle half▼ 4.1%€280,494within the sector's middle half▼ 8.1%€342,883within the sector's middle half▲ 22.2%€282,004within the sector's middle half▼ 17.8%
Debt€202,619▼ 5.6%€189,447▼ 6.5%€166,269▼ 12.2%€228,659▲ 37.5%€182,983▼ 20.0%
Working capital€41,214▼ 9.7%€39,092▼ 5.1%€44,849▲ 14.7%€49,869▲ 11.2%€31,886▼ 36.1%
Solvency36.4%within the sector's middle half▲ 1.3pp37.9%within the sector's middle half▲ 1.6pp40.7%within the sector's middle half▲ 2.8pp33.3%within the sector's middle half▼ 7.4pp35.1%within the sector's middle half▲ 1.8pp
Staff (FTE)2.4▲ 500%2▼ 16.7%2=2=2=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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 turns negative in 2025: a loss of €11,383 after €74,213 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €282,004
Fixed assets
€101,647 ▼ 5.9%
Current assets
€180,357 ▼ 23.2%
Equity and liabilities €282,004
Equity
€99,021 ▼ 13.3%
Debt
€182,983 ▼ 20.0%
Debt's share of the balance-sheet total falls from 66.7% to 64.9%. Equity and debt are lower.
Key figures and ratios
ROE
-15.4%▼
2024 · 40.9%
ROA
-5.4%▼
2024 · 13.6%
Debt ≤ 1 year
€148,470▼
2024 · €185,045
Debt > 1 year
€34,513▼
2024 · €43,614
Income taxes
€2,272▼
2024 · €27,000
Staff costs
€52,752▲
2024 · €42,986
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €24,933 | €32,900 | €38,563 | €42,986 | €52,752 | ▲ 22.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,805 | €14,957 | €19,232 | €19,186 | €14,630 | ▼ 23.7% |
| Other operating charges640/8 | €2,876 | €2,914 | €3,137 | €4,730 | €4,960 | ▲ 4.9% |
| Gross operating margin9900 | €65,904 | €75,208 | €69,672 | €141,115 | €60,958 | ▼ 56.8% |
| Operating profit (loss)9901 | €21,290 | €24,437 | €8,740 | €74,213 | -€11,383 | ▼ 115% |
| Financial income75/76B | €1,984 | €1,099 | €1,375 | €1,330 | €1,291 | ▼ 3.0% |
| Recurring financial income75 | €1,984 | €1,099 | €1,375 | €1,330 | €1,291 | ▼ 3.0% |
| Financial charges65/66B | €1,868 | €1,758 | €1,950 | €1,801 | €2,840 | ▲ 57.7% |
| Recurring financial charges65 | €1,868 | €1,758 | €1,950 | €1,801 | €2,840 | ▲ 57.7% |
| Profit (loss) for the period before taxes9903 | €21,405 | €23,778 | €8,165 | €73,743 | -€12,932 | ▼ 118% |
| Income taxes67/77 | €10,158 | €11,528 | €9,741 | €27,000 | €2,272 | ▼ 91.6% |
| Profit (loss) for the period9904 | €11,247 | €12,250 | -€1,576 | €46,743 | -€15,204 | ▼ 133% |
| Profit (loss) for the period to be appropriated9905 | €11,247 | €12,250 | -€1,576 | €46,743 | -€15,204 | ▼ 133% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €318,386 | €305,247 | €280,494 | €342,883 | €282,004 | ▼ 17.8% |
| Fixed assets21/28 | €144,696 | €142,798 | €123,566 | €107,969 | €101,647 | ▼ 5.9% |
| Intangible fixed assets21 | €80,161 | €70,719 | €61,276 | €51,833 | €42,390 | ▼ 18.2% |
| Tangible fixed assets22/27 | €64,534 | €72,080 | €62,291 | €56,136 | €59,007 | ▲ 5.1% |
| Land and buildings22 | €58,407 | €57,076 | €53,585 | €52,276 | €51,578 | ▼ 1.3% |
| Furniture and vehicles24 | €6,127 | €15,004 | €8,706 | €3,860 | €7,429 | ▲ 92.5% |
| Financial fixed assets28 | - | - | - | - | €250 | - |
| Current assets29/58 | €173,690 | €162,449 | €156,927 | €234,914 | €180,357 | ▼ 23.2% |
| Amounts receivable within one year40/41 | €32,293 | €37,669 | €41,884 | €42,511 | €30,084 | ▼ 29.2% |
| Other amounts receivable41 | €32,293 | €37,669 | €41,884 | €42,511 | €30,084 | ▼ 29.2% |
| Current investments50/53 | €60,000 | €60,000 | €60,000 | €60,000 | €60,000 | = |
| Cash at bank and in hand54/58 | €80,928 | €64,296 | €54,573 | €127,407 | €84,524 | ▼ 33.7% |
| Deferred charges and accrued income490/1 | €468 | €484 | €470 | €4,996 | €5,750 | ▲ 15.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €318,386 | €305,247 | €280,494 | €342,883 | €282,004 | ▼ 17.8% |
| Equity10/15 | €115,766 | €115,800 | €114,224 | €114,224 | €99,021 | ▼ 13.3% |
| Contributions10/11 | €99,500 | €99,500 | €99,500 | €99,500 | €99,500 | = |
| Reserves13 | €10,214 | €10,214 | €10,214 | €10,214 | €9,009 | ▼ 11.8% |
| Tax-exempt reserves132 | €9,009 | €9,009 | €9,009 | €9,009 | €9,009 | = |
| Distributable reserves133 | €1,205 | €1,205 | €1,205 | €1,205 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | €6,053 | €6,087 | €4,510 | €4,510 | -€9,488 | ▼ 310% |
| Amounts payable17/49 | €202,619 | €189,447 | €166,269 | €228,659 | €182,983 | ▼ 20.0% |
| Amounts payable after more than one year17 | €70,143 | €66,090 | €54,191 | €43,614 | €34,513 | ▼ 20.9% |
| Financial debts170/4 | €70,143 | €66,090 | €54,191 | €43,614 | €34,513 | ▼ 20.9% |
| Amounts payable within one year42/48 | €132,476 | €123,357 | €112,078 | €185,045 | €148,470 | ▼ 19.8% |
| Current portion of amounts payable after more than one year42 | €11,008 | €11,574 | €11,899 | €10,577 | €9,101 | ▼ 14.0% |
| Trade debts44 | €11,192 | €6,550 | €22,657 | €12,679 | €36,376 | ▲ 187% |
| Suppliers440/4 | €11,192 | €6,550 | €22,657 | €12,679 | €36,376 | ▲ 187% |
| Taxes, remuneration and social security45 | €33,906 | €27,847 | €12,352 | €28,511 | €11,845 | ▼ 58.5% |
| Taxes450/3 | €28,599 | €21,685 | €3,632 | €20,487 | €2,145 | ▼ 89.5% |
| Remuneration and social security454/9 | €5,307 | €6,163 | €8,720 | €8,024 | €9,700 | ▲ 20.9% |
| Other amounts payable47/48 | €76,370 | €77,386 | €65,170 | €133,278 | €91,149 | ▼ 31.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,247 | €12,250 | -€1,576 | €46,743 | -€15,204 | ▼ 133% |
| + Depreciation and write-downs630 | €16,805 | €14,957 | €19,232 | €19,186 | €14,630 | ▼ 23.7% |
| Operating cash flow (approximation) | €28,052 | €27,207 | €17,656 | €65,929 | -€574 | ▼ 101% |
| Investment in fixed assets (approximation) | - | -€13,060 | €0 | -€3,588 | -€8,308 | ▼ 132% |
| Change in cash | - | -€16,632 | -€9,723 | €72,834 | -€42,883 | ▼ 159% |
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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-12
Financial
Weakest financial yearnet -€15,204
Net result drops to -€15,204, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Back to profitnet €46,743
Net result €46,743 after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
31-12
Financial
Highest result since 2018net €93,541 ▲528%
Operating result €128,164, net result €93,541, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 acts for this company are 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, Antwerpen · 1 establishment unit since 1993
Ground area
231 m²
Building footprint
213 m²
Volume, LiDAR
1,552 m³
Parcel 11805E0478/00X005, Flanders · tallest building 14.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOSCO
since 19932.060.292.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0478/00X005 | Flanders | 231 m² | 1 · 213 m² | 14.1 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.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,695 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
Founded15-12-1992
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0448973309
Also
9925:BE0448973309
Registered
21-05-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.