JOSEPH
ActiveSummary
The computed 12-month bankruptcy probability of JOSEPH is 2.0% (moderate). The 2024 annual accounts show equity of €47,996 and a net result of -€4,984. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 6719 sector peers (fiscal year 2024). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability8
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days only on tighter terms
Liquidity ample (current ratio 6.18 against 30.66 in 2023; short-term debt: 13.5% and cash: 3.6% of total assets), and 13.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
86.5%
Return on assets
-9%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-12-2025, 137 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
137 d late
2023
153 d late
2022
32 d late
2021
30 d late
2020
61 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 84 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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Financials · fiscal year 2024, micro schema
In the rankings
#7 oldest company in Jette, Transport and storage sector
Turnover
€58,055
EBIT margin
3.3%
Net result
-€4,984
2022 · €9,665
Working capital
€38,879▼ 22.3%
2023 · €50,010
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, 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
Line20202021202220232024
Turnover
Operating result€1,020▼ 47.3%-€5,126€10,076€998▼ 90.1%-€4,425
Net result€6,751within the sector's middle half▲ 274%€16,476within the sector's middle half▲ 144%€9,665within the sector's middle half▼ 41.3%-€4,984below the sector's middle half
EBIT margin
Equity€26,838within the sector's middle half▲ 33.6%€43,314within the sector's middle half▲ 61.4%€52,980within the sector's middle half▲ 22.3%€52,980within the sector's middle half=€47,996within the sector's middle half▼ 9.4%
Total assets€26,838below the sector's middle half▲ 33.6%€43,333within the sector's middle half▲ 61.5%€53,172within the sector's middle half▲ 22.7%€54,666within the sector's middle half▲ 2.8%€55,501within the sector's middle half▲ 1.5%
Debt€19€193▲ 911%€1,686▲ 774%€7,505▲ 345%
Working capital€37,464€48,570▲ 29.6%€50,010▲ 3.0%€38,879▼ 22.3%
Solvency100.0%above the sector's middle half=100.0%above the sector's middle half=99.6%above the sector's middle half▼ 0.3pp96.9%above the sector's middle half▼ 2.7pp86.5%above the sector's middle half▼ 10.4pp
Staff (FTE)1.3
above
within
below
the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, 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 2024: a loss of €4,425 after €998 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €55,501
Fixed assets
€9,117 ▲ 207%
Current assets
€46,385 ▼ 10.3%
Equity and liabilities €55,501
Equity
€47,996 ▼ 9.4%
Debt
€7,505 ▲ 345%
Debt's share of the balance-sheet total rises from 3.1% to 13.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€1,753▼
2023 · €2,438
Cash flow
-€2,312
Current ratio
6.18▼
2023 · 30.66
Debt to equity
0.16▲
2023 · 0.03
ROE
-10.4%
ROA
-9.0%
Interest coverage
-7.02▼
2023 · 3.58
Debt ≤ 1 year
€7,505▲
2023 · €1,686
Income taxes
€309▼
2023 · €316
Staff costs
€37,553
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,304 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €37,553 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,235 | €1,440 | €1,440 | €1,440 | €2,672 | ▲ 85.6% |
| Other operating charges640/8 | - | €86 | €548 | €1,706 | €781 | ▼ 54.3% |
| Gross operating margin9900 | €4,491 | -€3,599 | €12,064 | €4,144 | €36,581 | ▲ 783% |
| Operating profit (loss)9901 | €1,020 | -€5,126 | €10,076 | €998 | -€4,425 | ▼ 544% |
| Financial income75/76B | - | €21,750 | - | €0 | - | - |
| Recurring financial income75 | €6,000 | €21,750 | - | €0 | - | - |
| Financial charges65/66B | - | €148 | €410 | €681 | €250 | ▼ 63.4% |
| Recurring financial charges65 | €269 | €148 | €410 | €681 | €250 | ▼ 63.4% |
| Profit (loss) for the period before taxes9903 | €6,751 | €16,476 | €9,665 | €316 | -€4,675 | ▼ 1,577% |
| Income taxes67/77 | - | - | - | €316 | €309 | ▼ 2.3% |
| Profit (loss) for the period9904 | €6,751 | €16,476 | €9,665 | - | -€4,984 | - |
| Profit (loss) for the period to be appropriated9905 | €6,751 | €16,476 | €9,665 | - | -€4,984 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,838 | €43,333 | €53,172 | €54,666 | €55,501 | ▲ 1.5% |
| Fixed assets21/28 | €90 | €5,850 | €4,410 | €2,970 | €9,117 | ▲ 207% |
| Tangible fixed assets22/27 | - | €5,760 | €4,320 | €2,880 | €8,847 | ▲ 207% |
| Furniture and vehicles24 | - | €5,760 | €4,320 | €2,880 | €8,847 | ▲ 207% |
| Financial fixed assets28 | €90 | €90 | €90 | €90 | €270 | ▲ 200% |
| Current assets29/58 | €26,748 | €37,483 | €48,762 | €51,696 | €46,385 | ▼ 10.3% |
| Amounts receivable within one year40/41 | €21,145 | €24,398 | €39,932 | €49,795 | €43,204 | ▼ 13.2% |
| Trade receivables40 | - | - | - | - | €23,300 | - |
| Other amounts receivable41 | - | €24,398 | €39,932 | €49,795 | €19,904 | ▼ 60.0% |
| Cash at bank and in hand54/58 | €2,603 | €13,086 | €8,831 | €1,814 | €2,004 | ▲ 10.5% |
| Deferred charges and accrued income490/1 | - | - | - | €86 | €1,177 | ▲ 1,264% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,838 | €43,333 | €53,172 | €54,666 | €55,501 | ▲ 1.5% |
| Equity10/15 | €26,838 | €43,314 | €52,980 | €52,980 | €47,996 | ▼ 9.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €18,600 | - | - | - | - |
| Issued capital100 | - | €18,600 | - | - | - | - |
| Reserves13 | €618 | €1,442 | €1,442 | €1,442 | €1,442 | = |
| Non-distributable reserves130/1 | - | €1,442 | €1,442 | €1,442 | - | - |
| Legal reserve130 | - | €1,442 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,442 | €1,442 | - | - |
| Distributable reserves133 | - | - | - | - | €1,442 | - |
| Profit (loss) carried forward14 | €7,620 | €23,273 | €32,938 | €32,938 | €27,954 | ▼ 15.1% |
| Amounts payable17/49 | - | €19 | €193 | €1,686 | €7,505 | ▲ 345% |
| Amounts payable within one year42/48 | - | €19 | €193 | €1,686 | €7,505 | ▲ 345% |
| Trade debts44 | - | €19 | €193 | €1,686 | €684 | ▼ 59.4% |
| Suppliers440/4 | - | €19 | €193 | €1,686 | €684 | ▼ 59.4% |
| Taxes, remuneration and social security45 | - | - | - | - | €6,822 | - |
| Taxes450/3 | - | - | - | - | €559 | - |
| Remuneration and social security454/9 | - | - | - | - | €6,263 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,751 | €16,476 | €9,665 | - | -€4,984 | - |
| + Depreciation and write-downs630 | €3,235 | €1,440 | €1,440 | €1,440 | €2,672 | ▲ 85.6% |
| Operating cash flow (approximation) | €9,986 | €17,916 | €11,105 | €1,440 | -€2,312 | ▼ 261% |
| Investment in fixed assets (approximation) | - | -€7,200 | €0 | €0 | -€8,819 | - |
| Change in cash | - | €10,483 | -€4,255 | -€7,016 | €190 | ▲ 103% |
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
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
2024
31-12
Financial
Weakest financial yearnet -€4,984
Net result drops to -€4,984, the lowest in the series.
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €16,476 ▲144%
Net result €16,476, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 148 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
17-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 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
11 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, Jette · 1 establishment unit since 1989
Ground area
3,166 m²
Building footprint
2,775 m²
Volume, LiDAR
28,603 m³
2 parcels, Brussels · tallest building 18.5 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JOSEPH
since 19892.042.695.977
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0101/00N000 | Brussels | 2,839 m² | 1 · 2,655 m² | 18.5 m · 5 fl. |
| 21464E0038/00X009 | Brussels | 327 m² | 1 · 120 m² | 15.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,684 companies in sector 49330 we hold annual accounts for 2,297. 1,888 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
Founded10-02-1989
Fiscal year end31-12
Activities, NACEBEL 2025
49330On-demand passenger transport by chauffeured vehicle
49310Scheduled passenger transport by road
E-invoicing
Reachable via Peppol
Peppol ID
0208:0436656683
Also
9925:BE0436656683
Registered
02-02-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.