Liquidity
3.43 was 5.31 in 2024
Short-term debts rose from €13,961 to €21,360.
José & Jos
Lifetime
4 annual accounts with figures on one time axispeak €44,927 (2023)
-€7,077▼ €18,251
lowest -€10,315 (2025)
-€10,315▼ €16,172
peak €69,145 (2024)
€58,830▼ 14.9%
€21,360▲ 53.0%
Board1 name since 2022
1 directorRIJCKAERT Veerle
Documentsfilings and deeds
18-06-202643 days before the deadline
2025micro format
Gross margin from €11,174 to -€7,077Loss of €10,315Equity from €69,145 to €58,830Debts from €13,961 to €21,360Cash from €61,223 to €7,271
Key points
from the 2025 annual accountsFilings
4 annual accounts since 2022
The last four annual accounts were filed 20 to 170 days before the end of the period.
Position in the sector
-€10,315
Lower net result than 88% of companies in computing infrastructure and information services. Sector median €19,991 · 2,301 companies.
Turnover not published (micro format)
Checked score
82
Excellent
Financially stronger than 36% of micro companies in computing infrastructure and information services (NACE 63)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 2,947 companies (NACE 63, micro).
About 4 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%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged 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 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.4%▲ +0.4 percentage points vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026highest value
11-2026: 0.4%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Loss of €10,315 (financial year 2025)
lowers risk
Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
Figures for financial year 2025 (filed on 18-06-2026)
Equity €58,830 (73.4% of total assets)
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 63, micro). It does better than 69% of them on solvency, 34% on liquidity, 14% on profitability and 27% 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 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, 3,223 companies had the same profile as José & Jos has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of José & Jos itself is lower: 0.4% within 12 months. It rests on far more data about José & Jos than the profile alone.
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 3,223 companies, not a prediction for José & Jos. 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 €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.43 (5.31 in 2024), above the usual 1.5. Short-term debt is 26.6% and cash 9.1% of total assets. 26.6% 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 18-06-2026, 43 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
43 days early
2024
170 days early
2023
20 days early
2022
25 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 65 days before the deadline. In the sector (NACE 63), the median for financial year 2024 was 9 days before the deadline, and 32% 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 27 June (3 of the last 4 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
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0787518947
Incorporation
Founding capital of €1,000, 1,000 shares · Founder: RIJCKAERT Veerle · Appointment: RIJCKAERT Veerle (director) · published on 24-06-2022 · Gazette deed
First establishment
Marie-Joséstraat 16, Koksijde
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| José & Jos Koksijde | €80,189 | -€7,077 | 73.4% | - |
| CATHERINE MINATCHY Woluwe-Saint-Lambert | €99,901 | -€49,566 | 81.6% | - |
| Cuore Co Temse | €82,234 | -€6,993 | 82.5% | - |
| Olmarem Waregem | €113,136 | -€2,580 | 62.8% | - |
| BURST Bruges | €68,147 | -€54,160 | -47.6% | - |
| Happy Italy Management Geel | €110,510 | -€4,094 | 41.9% | - |
| YVKKV Zaventem | €112,539 | -€31,413 | 93.2% | - |
These companies have the same main activity as José & Jos: other information service activities (NACE 63920). They are comparable in size and age: total assets between €68,100 and €113,000, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 22-06-2022Normal situation
- Activity
- Other information service activitiesNACE 63920and 5 others
- Establishment unit
- 2.332.707.5678670 Koksijde, since 22-06-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 17-10-2025
Annual accounts 2025
- €80,189▼ 3.5%
- Filing
- Filed on 18-06-2026, 43 days before the end of the filing period
Insights on José & Jos
José & Jos files the micro format. That format states no turnover. The gross margin fell from €35,402 in 2022 to -€7,077 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 & Jos
- What is the company number of José & Jos?
- The company number of José & Jos is 0787.518.947. The VAT number is the same number with BE in front: BE 0787.518.947.
- Where is José & Jos based?
- The registered office is at Marie-Joséstraat 16, 8670 Koksijde.Company details
- What does José & Jos do?
- According to the KBO register, the main activity is other information service activities (NACE 63920).
- What is the legal form of José & Jos?
- José & Jos is a private limited company (BV).
- When was José & Jos founded?
- José & Jos was founded on 22-06-2022.
- Is José & Jos still active?
- Yes, José & Jos is an active enterprise in the KBO register.
- What is the turnover of José & Jos?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is José & Jos profitable?
- In financial year 2025, José & Jos made a loss of €10,315.
- Where can I find the annual accounts of José & Jos?
- José & Jos filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of José & Jos due?
- José & Jos must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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