JOSEPHINE

Active

Private limited companyfounded 20215 yrs activeDiestsestraat 122, 3000 Leuven, BelgiumKBO/BCE: BE 0772.440.494

The computed 12-month bankruptcy probability of JOSEPHINE is 3.4% (moderate). The 2025 annual accounts show equity of €28k and a net result of €49k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 13071 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

73 / 100

Healthy▼ -27 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency24▼-75

Growth78=

Stability94

Bankruptcy probability, 12 months

3.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity tight (current ratio 1.09 against 2.34 in 2024), and 83.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

16.5%

Return on assets

28.9%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-12-2025, 132 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

132 d early

2024

2 d early

2023

21 d early

2022

19 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€28k▼ 64.6%

2024 · €79k

2022: €13k 2023: €45k 2024: €79k

2022 → 2025

Total assets

€169k▲ 35.9%

2024 · €125k

2022: €53k 2023: €95k 2024: €125k

2022 → 2025

Net result

€49k▲ 42.5%

2024 · €34k

2022: €10k 2023: €31k 2024: €34k

2022 → 2025

Working capital

€12k▼ 80.0%

2024 · €61k

2022: €-13k 2023: €23k 2024: €61k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€13k-€45k▲ 239%€79k▲ 77.0%€28k▼ 64.6%

Operating result€12k-€40k▲ 231%€44k▲ 10.6%€64k▲ 45.8%

Net result€10k-€31k▲ 210%€34k▲ 9.2%€49k▲ 42.5%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen three years in a row; 2025 is 46% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €169k

10%

90.5%

Fixed assets €16k▼ 13.1%

Current assets €153k▲ 44.4%

Equity and liabilities €169k

16.5%

83.5%

Equity €28k▼ 64.6%

Debt €141k▲ 210%

The debt ratio rises from 36.6% to 83.5%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€69k▲

2024 · €50k

Cash flow

€53k▲

2024 · €40k

Solvency

16.5%▼

2024 · 63.4%

Current ratio

1.09▼

2024 · 2.34

Quick ratio

1.03▼

2024 · 2.15

Debt / equity

5.06▲

2024 · 0.58

ROE

175.2%▲

2024 · 43.5%

ROA

28.9%▲

2024 · 27.6%

Interest coverage

32.37▼

2024 · 79.79

Debt

€141k▲

2024 · €46k

Debt ≤ 1 year

€141k▲

2024 · €45k

Income taxes

€13k▲

2024 · €9k

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€125k€169k▲

Fixed assets21/28€19k€16k▼

Intangible fixed assets21€8k€7k▼

Tangible fixed assets22/27€8k€7k▼

Plant, machinery and equipment23€7k€7k▼

Furniture and vehicles24€578€63▼

Financial fixed assets28€2k€2k=

Current assets29/58€106k€153k▲

Stocks and contracts in progress3€8k€8k▼

Stocks30/36€8k€8k▼

Amounts receivable within one year40/41€134-

Trade receivables40€134-

Cash at bank and in hand54/58€95k€141k▲

Deferred charges and accrued income490/1€3k€4k▲

Equity and liabilities

Total equity and liabilities10/49€125k€169k▲

Equity10/15€79k€28k▼

Contributions10/11€3k€3k=

Reserves13€76k€25k▼

Distributable reserves133€76k€25k▼

Amounts payable17/49€46k€141k▲

Amounts payable within one year42/48€45k€141k▲

Trade debts44€3k€3k▼

Suppliers440/4€3k€3k▼

Taxes, remuneration and social security45€10k€7k▼

Taxes450/3€10k€7k▼

Other amounts payable47/48€32k€131k▲

Accrued charges and deferred income492/3€290€299▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼

Other operating charges640/8€665€678▲

Gross operating margin9900€50k€69k▲

Operating profit (loss)9901€44k€64k▲

Financial income75/76B-€373

Recurring financial income75-€373

Financial charges65/66B€624€2k▲

Recurring financial charges65€624€2k▲

Profit (loss) for the period before taxes9903€43k€62k▲

Income taxes67/77€9k€13k▲

Profit (loss) for the period9904€34k€49k▲

Profit (loss) for the period to be appropriated9905€34k€49k▲

Appropriation of the result

Profit (loss) to be appropriated9906€34k€49k▲

Transfer from equity791/2-€51k

Transfer to equity691/2€34k-

To other reserves6921€34k-

Profit to be distributed694/7-€100k

Return on contributions (dividend)694-€100k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 30-04-2027

2025

19-12

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

30-09

Financial Highest result since 2022net €49k ▲42.5%

Operating result €64k, net result €49k, both a record.

28-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

09-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-09

Financial Liquidity doublescurrent ratio 1.45

Current ratio from 0.67 to 1.45.

11-04

NBB filing Annual accounts filed

fiscal year 2022 · micro 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, Leuven · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Diestsestraat 1223000 Leuven

Ground area

30 m²

Building footprint

30 m²

Volume, LiDAR

442 m³

Parcel 24502B0208/00H000, Flanders · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

JOSEPHINE

Diestsestraat 122, 3000 LeuvenEvent catering

since 20212.320.392.230

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24502B0208/00H000	Flanders	30 m²	1 · 30 m²	15.8 m · 5 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Leuven2.320.392.230

1 permission

Toelating · Detailhandel · since 09-09-2021

Similar companies · same sector, comparable size

King George Hospitality

BE 0656.858.066

Sint-Niklaas · Eq €28k

Of 21,627 companies in sector 56112 we hold annual accounts for 9,656. 8,235 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-08-2021

Fiscal year end30-09

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.