JOSEPH - EVERAERT
ActiveJOSEPH - EVERAERT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €4k. Equity is growing by ~42.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+1
Solvency35▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.07 in 2024; short-term debt: 86.3% and cash: 0.2% of total assets), and 90% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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
10%
Return on assets
1.4%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 642 sector peers (2025).
NBB · sector comparisonPosition among 642 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-03-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
34 d early
2023
26 d early
2022
38 d early
2021
3 d early
2020
2 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 16.8%
2024 · €26k
2018: €-37k
2019: €-30k
2020: €-19k
2021: €-11k
2022: €17k
2023: €22k
2024: €26k
2018 → 2025
Total assets
€302k▼ 10.3%
2024 · €337k
2018: €328k
2019: €330k
2020: €349k
2021: €404k
2022: €394k
2023: €371k
2024: €337k
2018 → 2025
Net result
€4k▲ 19.8%
2024 · €4k
2018: €-457
2019: €7k
2020: €11k
2021: €7k
2022: €28k
2023: €5k
2024: €4k
2018 → 2025
Working capital
€28k▲ 35.7%
2024 · €21k
2018: €-37k
2019: €-25k
2020: €-18k
2021: €-28k
2022: €931
2023: €3k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€17k€22k▲ 31.3%€26k▲ 16.3%€30k▲ 16.8%
Operating result€16k-€48k▲ 197%€17k▼ 64.9%€16k▼ 7.2%€17k▲ 7.4%
Net result€7k-€28k▲ 292%€5k▼ 81.3%€4k▼ 31.5%€4k▲ 19.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€13k▼ 54.9%
Current assets
€289k▼ 5.9%
Equity and liabilities €302k
Equity
€30k▲ 16.8%
Debt
€272k▼ 12.5%
The debt ratio falls from 92.3% to 90.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €32k
Cash flow
€21k▲
2024 · €20k
Solvency
10.0%▲
2024 · 7.7%
Current ratio
1.11▲
2024 · 1.07
Quick ratio
0.01▼
2024 · 0.01
Debt / equity
8.99▼
2024 · 12.01
ROE
14.4%▲
2024 · 14.0%
ROA
1.4%▲
2024 · 1.1%
Interest coverage
6.80▲
2024 · 6.59
Debt
€272k▼
2024 · €311k
Debt ≤ 1 year
€261k▼
2024 · €286k
Debt > 1 year
€11k▼
2024 · €25k
Income taxes
€8k▲
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€337k€302k▼
Formation expenses20€0€0=
Fixed assets21/28€30k€13k▼
Tangible fixed assets22/27€30k€13k▼
Land and buildings22€7k€5k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€23k€8k▼
Current assets29/58€307k€289k▼
Stocks and contracts in progress3€305k€287k▼
Stocks30/36€305k€287k▼
Cash at bank and in hand54/58€61€600▲
Deferred charges and accrued income490/1€2k€815▼
Equity and liabilities
Total equity and liabilities10/49€337k€302k▼
Equity10/15€26k€30k▲
Contributions10/11€19k€19k=
Reserves13€5k€10k▲
Distributable reserves133€5k€10k▲
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€311k€272k▼
Amounts payable after more than one year17€25k€11k▼
Financial debts170/4€25k€11k▼
Amounts payable within one year42/48€286k€261k▼
Current portion of amounts payable after more than one year42€19k€13k▼
Financial debts43€7k€4k▼
Credit institutions430/8€7k€4k▼
Trade debts44€88k€98k▲
Suppliers440/4€88k€98k▲
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Other amounts payable47/48€164k€134k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€36k€38k▲
Operating profit (loss)9901€16k€17k▲
Financial income75/76B-€37
Recurring financial income75-€37
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€11k€12k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€4k€4k▲
Profit (loss) for the period to be appropriated9905€4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€6k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer to equity691/2€4k€4k▲
To other reserves6921€4k€4k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €28k ▲292%
Operating result €48k, net result €28k, both a record.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Middelkerke · 1 establishment unit since 1995
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Leopoldlaan 658430 MiddelkerkeGround area
279 m²
Building footprint
279 m²
Volume, LiDAR
6,359 m³
Parcel 35011B0180/00T089, Flanders · tallest building 27.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
JOSEPH-EVERAERT
since 19952.071.254.361
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35011B0180/00T089 | Flanders | 279 m² | 1 · 279 m² | 27.6 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
La Fiancée du Bijoutier
BE 1002.173.910
Etterbeek · Eq €30k
KN DIAMONDS
BE 1017.911.565
Asse · Eq €30k
KeBopro Holding
BE 1001.734.440
Lille · Eq €30k
Murielle PERROTTI Creations
BE 0761.989.834
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KRIATE
BE 0760.723.191
Halle · Eq €31k
Of 1,530 companies in sector 32123 we hold annual accounts for 225. 174 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-1995
Fiscal year end30-09
Activities, NACEBEL
32123Manufacture of jewellery
36223
47770Retail sale of watches and jewellery
46861Wholesale of diamonds and other precious stones
51561
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.