Josée
ActiveSummary
Josée has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €104k and a net result of €20k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 76% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability87▼-13
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.23 against 4.1 in 2023; short-term debt: 23.4% and cash: 77.8% of total assets), and 23.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-06-2025, 32 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
32 d early
2023
28 d late
2022
32 d early
2021
33 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€104k▲ 23.7%
2023 · €84k
2021: €32klowest in 4 years
2022: €50k▲ +59.6% vs 2021
2023: €84k▲ +66.8% vs 2022
2024: €104k▲ +23.7% vs 2023highest in 4 years
2021 → 2024
Total assets
€136k▲ 22.4%
2023 · €111k
2021: €59klowest in 4 years
2022: €74k▲ +23.9% vs 2021
2023: €111k▲ +50.9% vs 2022
2024: €136k▲ +22.4% vs 2023highest in 4 years
2021 → 2024
Net result
€20k▼ 40.9%
2023 · €34k
2021: €30k
2022: €19k▼ -37.4% vs 2021lowest in 4 years
2023: €34k▲ +78.9% vs 2022highest in 4 years
2024: €20k▼ -40.9% vs 2023
2021 → 2024
Working capital
€102k▲ 23.2%
2023 · €83k
2021: €31klowest in 4 years
2022: €50k▲ +60.4% vs 2021
2023: €83k▲ +65.5% vs 2022
2024: €102k▲ +23.2% vs 2023highest in 4 years
2021 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€32k-€50k▲ 59.6%€84k▲ 66.8%€104k▲ 23.7%
2021: €32klowest in 4 years
2022: €50k▲ +59.6% vs 2021
2023: €84k▲ +66.8% vs 2022
2024: €104k▲ +23.7% vs 2023highest in 4 years
Operating result€42k-€27k▼ 35.9%€47k▲ 77.2%€28k▼ 40.0%
2021: €42k
2022: €27k▼ -35.9% vs 2021lowest in 4 years
2023: €47k▲ +77.2% vs 2022highest in 4 years
2024: €28k▼ -40.0% vs 2023
Net result€30k-€19k▼ 37.4%€34k▲ 78.9%€20k▼ 40.9%
2021: €30k
2022: €19k▼ -37.4% vs 2021lowest in 4 years
2023: €34k▲ +78.9% vs 2022highest in 4 years
2024: €20k▼ -40.9% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 40% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €136k
Fixed assets
€2k ▲ 64.8%
Current assets
€134k ▲ 22.0%
Equity and liabilities €136k
Equity
€104k ▲ 23.7%
Debt
€32k ▲ 18.3%
Debt's share of the balance-sheet total falls from 24.2% to 23.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€29k▼
2023 · €48k
Cash flow
€21k▼
2023 · €34k
Current ratio
4.23▲
2023 · 4.10
Debt to equity
0.31▼
2023 · 0.32
ROE
19.1%▼
2023 · 40.0%
ROA
14.7%▼
2023 · 30.4%
Interest coverage
298.30▼
2023 · 485.91
Debt ≤ 1 year
€32k▲
2023 · €27k
Income taxes
€8k▼
2023 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€111k€136k▲
Fixed assets21/28€1k€2k▲
Intangible fixed assets21€152€76▼
Tangible fixed assets22/27€875€2k▲
Plant, machinery and equipment23€875€2k▲
Current assets29/58€110k€134k▲
Amounts receivable within one year40/41€18k€28k▲
Trade receivables40€18k€28k▲
Cash at bank and in hand54/58€92k€106k▲
Equity and liabilities
Total equity and liabilities10/49€111k€136k▲
Equity10/15€84k€104k▲
Contributions10/11€2k€2k=
Outside capital11€2k€2k=
Share premium1100/10€2k€2k=
Reserves13€83k€103k▲
Distributable reserves133€83k€103k▲
Amounts payable17/49€27k€32k▲
Amounts payable within one year42/48€27k€32k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€20k€22k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€368€712▲
Other operating charges640/8€344€650▲
Gross operating margin9900€48k€30k▼
Operating profit (loss)9901€47k€28k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€98€98▼
Recurring financial charges65€98€98▼
Profit (loss) for the period before taxes9903€47k€28k▼
Income taxes67/77€13k€8k▼
Profit (loss) for the period9904€34k€20k▼
Profit (loss) for the period to be appropriated9905€34k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€20k▼
Transfer to equity691/2€34k€20k▼
To other reserves6921€34k€20k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €810 | €76 | €368 | €712 | ▲ 93.7% |
| Other operating charges640/8 | €323 | €326 | €344 | €650 | ▲ 88.8% |
| Gross operating margin9900 | €43k | €27k | €48k | €30k | ▼ 38.0% |
| Operating profit (loss)9901 | €42k | €27k | €47k | €28k | ▼ 40.0% |
| Financial income75/76B | €0 | - | €0 | €0 | ▲ 1,450% |
| Recurring financial income75 | €0 | - | €0 | €0 | ▲ 1,450% |
| Financial charges65/66B | €1 | €94 | €98 | €98 | ▼ 0.5% |
| Recurring financial charges65 | €1 | €94 | €98 | €98 | ▼ 0.5% |
| Profit (loss) for the period before taxes9903 | €42k | €27k | €47k | €28k | ▼ 40.0% |
| Income taxes67/77 | €12k | €8k | €13k | €8k | ▼ 37.8% |
| Profit (loss) for the period9904 | €30k | €19k | €34k | €20k | ▼ 40.9% |
| Profit (loss) for the period to be appropriated9905 | €30k | €19k | €34k | €20k | ▼ 40.9% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €59k | €74k | €111k | €136k | ▲ 22.4% |
| Fixed assets21/28 | €304 | €228 | €1k | €2k | ▲ 64.8% |
| Intangible fixed assets21 | €304 | €228 | €152 | €76 | ▼ 50.0% |
| Tangible fixed assets22/27 | - | - | €875 | €2k | ▲ 84.8% |
| Plant, machinery and equipment23 | - | - | €875 | €2k | ▲ 84.8% |
| Current assets29/58 | €59k | €73k | €110k | €134k | ▲ 22.0% |
| Amounts receivable within one year40/41 | €4k | €29k | €18k | €28k | ▲ 59.2% |
| Trade receivables40 | €4k | €29k | €18k | €28k | ▲ 59.2% |
| Cash at bank and in hand54/58 | €55k | €44k | €92k | €106k | ▲ 14.7% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €59k | €74k | €111k | €136k | ▲ 22.4% |
| Equity10/15 | €32k | €50k | €84k | €104k | ▲ 23.7% |
| Contributions10/11 | €2k | €2k | €2k | €2k | = |
| Outside capital11 | €2k | €2k | €2k | €2k | = |
| Share premium1100/10 | €2k | €2k | €2k | €2k | = |
| Reserves13 | €30k | €49k | €83k | €103k | ▲ 24.1% |
| Distributable reserves133 | €30k | €49k | €83k | €103k | ▲ 24.1% |
| Amounts payable17/49 | €28k | €23k | €27k | €32k | ▲ 18.3% |
| Amounts payable within one year42/48 | €28k | €23k | €27k | €32k | ▲ 18.3% |
| Trade debts44 | €3k | €4k | €2k | €5k | ▲ 148% |
| Suppliers440/4 | €3k | €4k | €2k | €5k | ▲ 148% |
| Taxes, remuneration and social security45 | €10k | €2k | €5k | €5k | ▼ 13.1% |
| Taxes450/3 | €8k | - | €3k | €5k | ▲ 38.9% |
| Remuneration and social security454/9 | €2k | €2k | €2k | - | - |
| Other amounts payable47/48 | €15k | €17k | €20k | €22k | ▲ 14.1% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30k | €19k | €34k | €20k | ▼ 40.9% |
| + Depreciation and write-downs630 | €810 | €76 | €368 | €712 | ▲ 93.7% |
| Operating cash flow (approximation) | €31k | €19k | €34k | €21k | ▼ 39.5% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | €-1k | ▼ 18.1% |
| Change in cash | - | €-11k | €48k | €14k | ▼ 71.8% |
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
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €104k ▲23.7%
4 profitable years in a row build equity to €104k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2021net €34k ▲78.9%
Operating result €47k, net result €34k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €19k ▼37.4%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not 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
1 act for this company is 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, Vilvoorde · 1 establishment unit since 2021
Ground area
123 m²
Building footprint
87 m²
Volume, LiDAR
528 m³
Parcel 23644H0008/00B005, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Josée
since 20212.312.172.271
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23644H0008/00B005 | Flanders | 123 m² | 1 · 87 m² | 11.2 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.
Similar companies · same sector, comparable size
GLT Consult
BE 0770.583.737
Brasschaat · Eq €104,120
RAID1
BE 0775.659.114
Sint-Pieters-Leeuw · Eq €104,106
T2 Management
BE 0797.395.329
Kinrooi · Eq €104,039
FICONAD-UNIBRAIN
BE 0462.990.502
Machelen (Brab.) · Eq €104,194
BULL-TEC
BE 0766.408.480
Lubbeek · Eq €104,027
Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 7,191 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
Founded20-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.