Josée
ActiveSummary
Josée has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €254k and a net result of €10k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability53▲+46
Solvency100▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.99 against 3.6 in 2024; short-term debt: 23.9% and cash: 0.3% of total assets), and 24.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.5%
Return on assets
2.9%
Age of the figures
9 mo
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 03-04-2026, 119 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
119 d early
2024
on the day
2023
180 d late
2022
31 d late
2021
31 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€254k▲ 4.0%
2024 · €244k
Total assets
€336k▼ 0.1%
2024 · €336k
Net result
€10k
2024 · €-32k
Working capital
€239k▲ 3.2%
2024 · €232k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€125k-€125k▲ 0.3%€112k▼ 10.4%€-23k€16k
Net result€96k-€93k▼ 2.6%€83k▼ 11.1%€-32k€10k
Equity€99k-€193k▲ 94.0%€276k▲ 43.1%€244k▼ 11.6%€254k▲ 4.0%
Total assets€183k-€287k▲ 57.3%€399k▲ 39.0%€336k▼ 15.8%€336k▼ 0.1%
Debt€83k-€94k▲ 13.5%€123k▲ 30.6%€92k▼ 25.1%€82k▼ 10.8%
Working capital€99k-€190k▲ 91.1%€266k▲ 40.3%€232k▼ 12.9%€239k▲ 3.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €23k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336k
Fixed assets
€16k ▲ 9.3%
Current assets
€319k ▼ 0.5%
Equity and liabilities €336k
Equity
€254k ▲ 4.0%
Debt
€82k ▼ 10.8%
Debt's share of the balance-sheet total falls from 27.5% to 24.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▲
2024 · €-20k
Cash flow
€13k▲
2024 · €-29k
Current ratio
3.99▲
2024 · 3.60
Quick ratio
0.68▼
2024 · 0.78
Debt to equity
0.33▼
2024 · 0.38
ROE
3.9%▲
2024 · -13.2%
ROA
2.9%▲
2024 · -9.5%
Interest coverage
3.69▲
2024 · -1.90
Debt ≤ 1 year
€80k▼
2024 · €89k
Income taxes
€1k▲
2024 · €-1k
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €795 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €66 | €3k | €3k | ▲ 2.6% |
| Other operating charges640/8 | €1k | €2k | €2k | €1k | €2k | ▲ 54.9% |
| Gross operating margin9900 | €126k | €128k | €114k | €-18k | €21k | ▲ 217% |
| Operating profit (loss)9901 | €125k | €125k | €112k | €-23k | €16k | ▲ 170% |
| Financial income75/76B | - | - | €85 | €85 | €75 | ▼ 11.2% |
| Recurring financial income75 | - | - | €85 | €85 | €75 | ▼ 11.2% |
| Financial charges65/66B | €2k | €4k | €5k | €10k | €5k | ▼ 49.9% |
| Recurring financial charges65 | €2k | €4k | €5k | €10k | €5k | ▼ 49.9% |
| Profit (loss) for the period before taxes9903 | €123k | €121k | €108k | €-33k | €11k | ▲ 133% |
| Income taxes67/77 | €27k | €28k | €25k | €-1k | €1k | ▲ 200% |
| Profit (loss) for the period9904 | €96k | €93k | €83k | €-32k | €10k | ▲ 130% |
| Profit (loss) for the period to be appropriated9905 | €96k | €93k | €83k | €-32k | €10k | ▲ 130% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €183k | €287k | €399k | €336k | €336k | ▼ 0.1% |
| Fixed assets21/28 | - | €3k | €9k | €15k | €16k | ▲ 9.3% |
| Tangible fixed assets22/27 | - | - | €6k | €10k | €11k | ▲ 13.9% |
| Land and buildings22 | - | - | €6k | €8k | €7k | ▼ 4.1% |
| Furniture and vehicles24 | - | - | - | €3k | €4k | ▲ 67.0% |
| Financial fixed assets28 | - | €3k | €3k | €5k | €5k | = |
| Current assets29/58 | €183k | €284k | €390k | €321k | €319k | ▼ 0.5% |
| Stocks and contracts in progress3 | €130k | €249k | €280k | €252k | €265k | ▲ 5.3% |
| Stocks30/36 | €130k | €249k | €280k | €252k | €265k | ▲ 5.3% |
| Amounts receivable within one year40/41 | €9k | €267 | €64k | €52k | €53k | ▲ 2.9% |
| Trade receivables40 | €9k | €0 | €64k | €52k | €52k | ▲ 0.4% |
| Other amounts receivable41 | €39 | €267 | €14 | €14 | €1k | ▲ 9,030% |
| Cash at bank and in hand54/58 | €44k | €35k | €45k | €17k | €878 | ▼ 94.9% |
| Deferred charges and accrued income490/1 | - | - | - | - | €0 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €183k | €287k | €399k | €336k | €336k | ▼ 0.1% |
| Equity10/15 | €99k | €193k | €276k | €244k | €254k | ▲ 4.0% |
| Contributions10/11 | €4k | €4k | €4k | €4k | €4k | = |
| Reserves13 | €96k | €189k | €272k | €272k | €250k | ▼ 8.2% |
| Distributable reserves133 | €96k | €189k | €272k | €272k | €250k | ▼ 8.2% |
| Profit (loss) carried forward14 | - | - | - | €-32k | €0 | ▲ 100% |
| Amounts payable17/49 | €83k | €94k | €123k | €92k | €82k | ▼ 10.8% |
| Amounts payable within one year42/48 | €83k | €94k | €123k | €89k | €80k | ▼ 10.1% |
| Financial debts43 | - | €10k | €30k | €25k | €23k | ▼ 8.0% |
| Credit institutions430/8 | - | €10k | €30k | €25k | €23k | ▼ 8.0% |
| Trade debts44 | €23k | €11k | €17k | €14k | €31k | ▲ 124% |
| Suppliers440/4 | €23k | €11k | €17k | €14k | €31k | ▲ 124% |
| Taxes, remuneration and social security45 | €34k | €64k | €63k | €29k | €1k | ▼ 96.1% |
| Taxes450/3 | €34k | €64k | €63k | €29k | €1k | ▼ 96.1% |
| Other amounts payable47/48 | €27k | €9k | €13k | €21k | €25k | ▲ 18.4% |
| Accrued charges and deferred income492/3 | - | - | - | €3k | €2k | ▼ 31.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €96k | €93k | €83k | €-32k | €10k | ▲ 130% |
| + Depreciation and write-downs630 | - | - | €66 | €3k | €3k | ▲ 2.6% |
| Operating cash flow (approximation) | €96k | €93k | €83k | €-29k | €13k | ▲ 145% |
| Investment in fixed assets (approximation) | - | - | €-7k | €-9k | €-5k | ▲ 47.6% |
| Change in cash | - | €-9k | €10k | €-28k | €-16k | ▲ 41.3% |
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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 180 days late
2024
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
2023
31-12
Financial
Equity above €200kEq €276k ▲43.1%
3 profitable years in a row build equity to €276k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €193k ▲94%
2 profitable years in a row build equity to €193k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Boom · 1 establishment unit since 2020
Ground area
666 m²
Building footprint
249 m²
Volume, LiDAR
1,664 m³
Parcel 11622C0210/00L005, Flanders · tallest building 19.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Paulette in 't Stad
since 20202.309.534.366
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11622C0210/00L005 | Flanders | 666 m² | 1 · 249 m² | 19.5 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Similar companies · same sector, comparable size
FYD
BE 0833.479.329
Antwerpen · Eq €253,561
SEGEMO
BE 0479.932.640
Evere · Eq €252,771
KANTOORMEUBELEN ERCKENS
BE 0465.295.043
Zonhoven · Eq €254,440
ART WOOD
BE 0475.015.928
La Hulpe · Eq €252,555
HIPPO VASTGOED
BE 0446.115.866
Brasschaat · Eq €252,511
Of 2,606 companies in sector 47551 we hold annual accounts for 1,716. 1,324 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
Founded10-11-2020
Fiscal year end31-12
Trade name NL
Paulette in 't Stad
Activities, NACEBEL 2025
47551Retail sale of household furniture
Contact
Website
www.pauletteintstad.com
E-mail
info@pauletteintstad.com
Scores and ratios are computed by Checked and are not a credit decision.