Turnover
≈ €350,000 estimated
The micro format states no turnover.
José
Lifetime
5 annual accounts with figures on one time axispeak €117,769 (2024)
€97,154▼ 17.5%
lowest -€14,406 (2023)
-€8,927▼ €24,588
peak €24,924 (2021)
€6,537▼ 57.7%
€28,391▼ 20.7%
Board2 names since 2020
1 directorGEERAERTS Gert Frieda Roger
Documentsfilings and deeds
24-07-20267 days before the deadline
2025micro format
Gross margin from €117,769 to €97,154Loss of €8,927Equity from €15,464 to €6,537Debts from €35,817 to €28,391Cash from €40,569 to €9,831
Key points
from the 2025 annual accountsChecked score
51
Fair
Financially stronger than 24% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,791 companies (NACE 56, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.1%
01-2025: 2.1%● unchanged vs 12-2024
02-2025: 2.1%● unchanged vs 01-2025
03-2025: 2.1%● unchanged vs 02-2025
04-2025: 2.2%▲ +0.1 percentage points vs 03-2025
05-2025: 2.4%▲ +0.2 percentage points vs 04-2025
06-2025: 2.4%● unchanged vs 05-2025
07-2025: 2.6%▲ +0.2 percentage points vs 06-2025highest value
08-2025: 1.2%▼ -1.4 percentage points vs 07-2025
09-2025: 1.2%● unchanged vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 1.2%● unchanged vs 10-2025
12-2025: 1.1%▼ -0.1 percentage points vs 11-2025
01-2026: 1.0%▼ -0.1 percentage points vs 12-2025lowest value
02-2026: 1.0%● unchanged vs 01-2026lowest value
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 1.1%▲ +0.1 percentage points vs 04-2026
06-2026: 1.0%▼ -0.1 percentage points vs 05-2026
07-2026: 1.1%▲ +0.1 percentage points vs 06-2026
08-2026: 2.4%▲ +1.3 percentage points vs 07-2026
09-2026: 2.5%▲ +0.1 percentage points vs 08-2026
10-2026: 2.5%● unchanged vs 09-2026
11-2026: 2.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Founded in 2020
Loss of €8,927 (financial year 2025)
lowers risk
Liquidity: current ratio 1.04, cash €9,831, halved
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 56, micro). It does better than 40% of them on solvency, 35% on liquidity, 8% on profitability and 13% on growth.
The bankruptcy probability was computed on 10-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 1,133 companies had the same profile as José has now. Each dot stands for 3 companies, two years later.
86.3%
were still trading
6.6%
stopped another way
6.4%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of José itself: 2.5% within 12 months.
Test of the method
The method was tested on the 497,448 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 1,133 companies, not a prediction for José. 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
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.04 (1.23 in 2024), below the usual 1.5. Short-term debt is 81.3% and cash 28.1% of total assets. 81.3% 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 riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
7 days early
2024
3 days early
2023
4 days early
2022
1 day early
2021
20 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 7 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% 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 28 July (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
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- GEERAERTS Julie José François 50 sharesdeed of 02-10-2020
- GEERAERTS Gert Frieda Roger 50 sharesdeed of 02-10-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0755441245
Resignation: Julie Geeraerts (director)
Director discharge: Julie Geeraerts · General meeting of 13-09-2022 · Gazette deed
Registered office moved within Hove
New registered office: Sint-Laureysplein 8/1 te 2540 HOVE · Previous registered office: Lintsesteenweg nr 2 2540 HOVE · General meeting of 30-04-2022 · Gazette deed
First establishment
Den Drijhoek, Lintsesteenweg 2, Hove
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| José Hove | €34,928 | €97,154 | 18.7% | - |
| DE SOIGNATIE Antwerp | €35,884 | €108,579 | -99.7% | - |
| MEGA CAFE Etterbeek | €40,186 | €88,572 | 56.3% | - |
| DE LANGE POLLEPEL Willebroek | €33,908 | €90,180 | -34.2% | - |
| Polemiek Herenthout | €28,237 | €70,439 | -15.4% | - |
| S.M.H.s Westerlo | €42,357 | €87,278 | 62.2% | - |
| MUT Antwerp | €30,274 | €56,363 | -8.6% | - |
These companies have the same main activity as José: cafés and bars (NACE 56301). They are comparable in size and age: total assets between €28,200 and €42,400, founded between 2018 and 2022.
Official details
Source: KBO- Status
- Active since 30-09-2020Normal situation
- Activity
- Cafés and barsNACE 56301and 3 others
- Establishment unit
- 2.308.137.8632540 Hove, since 01-10-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 09-12-2025
Annual accounts 2025
- €34,928▼ 31.9%
- Employeeson 31-12-2025
- 1▼ 66.7%
- Filing
- Filed on 24-07-2026, 7 days before the end of the filing period
Insights on José
José files the micro format. That format states no turnover. The gross margin rose from €33,300 in 2021 to €97,154 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 José
- What is the company number of José?
- The company number of José is 0755.441.245. The VAT number is the same number with BE in front: BE 0755.441.245.
- Where is José based?
- The registered office is at Sint Laureysplein 8/1, 2540 Hove.Company details
- What does José do?
- According to the KBO register, the main activity is cafés and bars (NACE 56301).
- What is the legal form of José?
- José is a private limited company (BV).
- When was José founded?
- José was founded on 30-09-2020.
- Is José still active?
- Yes, José is an active enterprise in the KBO register.
- How many employees does José have?
- José had an average of 2.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of José?
- The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €97,154 and 36 comparable companies (NACE 56301). It probably lies between €290,000 and €460,000.
- Is José profitable?
- In financial year 2025, José made a loss of €8,927.
- Where can I find the annual accounts of José?
- José filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of José due?
- José must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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