Joso
ActiveJoso is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €468k and a net result of €21k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 1455 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
1 d early
2019
84 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€468k▼ 8.2%
2024 · €510k
2018: €240k
2019: €288k
2020: €417k
2021: €468k
2022: €464k
2023: €490k
2024: €510k
2018 → 2025
Net result
€21k▲ 8.2%
2024 · €20k
2018: €77k
2019: €48k
2020: €129k
2021: €51k
2022: €15k
2023: €27k
2024: €20k
2018 → 2025
Total assets
€1.45M▼ 7.7%
2024 · €1.58M
2018: €992k
2019: €990k
2020: €1.11M
2021: €1.15M
2022: €1.11M
2023: €1.12M
2024: €1.58M
2018 → 2025
Solvency
32.2%▼ 0.2pp
2024 · 32.4%
2018: 24.2%
2019: 29.1%
2020: 37.7%
2021: 40.7%
2022: 41.9%
2023: 44.0%
2024: 32.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€468k-€464k▼ 1.1%€490k▲ 5.8%€510k▲ 4.0%€468k▼ 8.2%
Operating result€84k-€33k▼ 61.0%€47k▲ 43.3%€46k▼ 1.7%€11k▼ 76.1%
Net result€51k-€15k▼ 71.3%€27k▲ 81.8%€20k▼ 26.0%€21k▲ 8.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 76% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€1.43M▼ 6.7%
Current assets
€22k▼ 45.6%
Equity and liabilities €1.45M
Equity
€468k▼ 8.2%
Debt
€986k▼ 7.4%
The debt ratio rises from 67.6% to 67.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
32.2%▼
2024 · 32.4%
ROE
4.6%▲
2024 · 3.9%
ROA
1.5%▲
2024 · 1.3%
Debt
€986k▼
2024 · €1.06M
Debt ≤ 1 year
€381k▼
2024 · €414k
Debt > 1 year
€585k▼
2024 · €649k
Income taxes
€2k▼
2024 · €13k
Staff costs
€0=
2024 · €0
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€1.58M€1.45M▼
Fixed assets21/28€1.53M€1.43M▼
Tangible fixed assets22/27€1.53M€1.43M▼
Land and buildings22€1.45M€1.36M▼
Furniture and vehicles24€76k€59k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€6k€6k=
Current assets29/58€41k€22k▼
Amounts receivable within one year40/41€15k€16k▲
Trade receivables40€14k€13k▼
Other amounts receivable41€1k€4k▲
Cash at bank and in hand54/58€26k€6k▼
Deferred charges and accrued income490/1€646€288▼
Equity and liabilities
Total equity and liabilities10/49€1.58M€1.45M▼
Equity10/15€510k€468k▼
Contributions10/11€204k€204k=
Reserves13€306k€264k▼
Distributable reserves133€306k€264k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.06M€986k▼
Amounts payable after more than one year17€649k€585k▼
Financial debts170/4€649k€585k▼
Amounts payable within one year42/48€414k€381k▼
Current portion of amounts payable after more than one year42€65k€65k▲
Financial debts43€3k€0▼
Credit institutions430/8€3k€0▼
Trade debts44€9k€201▼
Suppliers440/4€9k€201▼
Taxes, remuneration and social security45€9k€19k▲
Taxes450/3€9k€9k▲
Remuneration and social security454/9-€10k
Other amounts payable47/48€328k€297k▼
Accrued charges and deferred income492/3€2k€20k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0€0=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€142k▲
Other operating charges640/8€10k€12k▲
Gross operating margin9900€114k€165k▲
Operating profit (loss)9901€46k€11k▼
Financial income75/76B€5k€50k▲
Recurring financial income75€5k€50k▲
Financial charges65/66B€18k€37k▲
Recurring financial charges65€18k€37k▲
Profit (loss) for the period before taxes9903€33k€24k▼
Income taxes67/77€13k€2k▼
Profit (loss) for the period9904€20k€21k▲
Profit (loss) for the period to be appropriated9905€20k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€21k▲
Transfer from equity791/2€15k€48k▲
Transfer to equity691/2€20k€21k▲
To other reserves6921€20k€21k▲
Profit to be distributed694/7€15k€48k▲
Return on contributions (dividend)694€15k€48k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (21 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Equity above €500kEq €510k ▲4%
7 profitable years in a row build equity to €510k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €15k ▼71.3%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €129k ▲169%
Operating result €194k, net result €129k, both a record.
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 84 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2017
20-07
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
under verification, no change since 2023
This board is reconstructed from a single act (23431377). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Jonas Van Huffel
CurrentDirector · since 21-11-2023
Pieter Van Huffel
CurrentDirector · since 21-11-2023
Sabine Lycke
CurrentDirector · since 21-11-2023
21-11-2023
Jonas Van Huffel: Appointed as Director
21-11-2023
Pieter Van Huffel: Appointed as Director
21-11-2023
Sabine Lycke: Appointed as Director
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2001
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.
Heistlaan 3678301 Knokke-HeistGround area
1,652 m²
Building footprint
399 m²
Volume, LiDAR
2,621 m³
Parcel 31024A0091/00X000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heistlaan 367, 8301 Knokke-Heist
since 20012.098.259.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31024A0091/00X000 | Flanders | 1,652 m² | 1 · 399 m² | 10.4 m · 2 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
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V PLUS W VERZEKERINGEN
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Koekelare · Eq €468k
SVG CONSULT
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Schelle · Eq €469k
VAN DIJCK
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Of 4,666 companies in sector 66220 we hold annual accounts for 3,214. 2,611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-1998
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
64921Financial service activities, except insurance and pension funding
64922Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.