JOSO-MGMT 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 €1.63M and a net result of €417k. Equity is growing by ~42.2% per year across the filed fiscal years. Its solvency ranks better than 74% of 5523 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
15 d early
2023
25 d early
2022
45 d early
2021
10 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.63M▲ 28.3%
2024 · €1.27M
2021: €-3k
2022: €351k
2023: €985k
2024: €1.27M
2021 → 2025
Net result
€417k▲ 24.9%
2024 · €334k
2021: €-5k
2022: €354k
2023: €692k
2024: €334k
2021 → 2025
Total assets
€2.09M▲ 0.3%
2024 · €2.08M
2021: €1.97M
2022: €1.98M
2023: €2.18M
2024: €2.08M
2021 → 2025
Solvency
77.9%▲ 17.0pp
2024 · 60.9%
2021: -0.1%
2022: 17.7%
2023: 45.1%
2024: 60.9%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€351k€985k▲ 181%€1.27M▲ 28.8%€1.63M▲ 28.3%
Operating result€16k-€-14k€-21k▼ 50.7%€-4k▲ 81.4%€1k
Net result€-5k-€354k€692k▲ 95.6%€334k▼ 51.7%€417k▲ 24.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.09M
Fixed assets
€2.03M▲ 1.3%
Current assets
€65k▼ 23.3%
Equity and liabilities €2.09M
Equity
€1.63M▲ 28.3%
Debt
€463k▼ 43.3%
The debt ratio falls from 39.1% to 22.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
77.9%▲
2024 · 60.9%
ROE
25.6%▼
2024 · 26.3%
ROA
20.0%▲
2024 · 16.0%
Debt
€463k▼
2024 · €816k
Debt ≤ 1 year
€463k▲
2024 · €424k
Debt > 1 year
€0▼
2024 · €392k
Income taxes
€435▲
2024 · €353
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€2.08M€2.09M▲
Fixed assets21/28€2.00M€2.03M▲
Tangible fixed assets22/27€12k€38k▲
Plant, machinery and equipment23€1k€516▼
Furniture and vehicles24€11k€10k▼
Other tangible fixed assets26-€27k
Financial fixed assets28€1.99M€1.99M=
Current assets29/58€84k€65k▼
Amounts receivable within one year40/41€653€2k▲
Trade receivables40€164€1k▲
Other amounts receivable41€489€554▲
Current investments50/53€0-
Cash at bank and in hand54/58€76k€60k▼
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.08M€2.09M▲
Equity10/15€1.27M€1.63M▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€1.27M€1.63M▲
Amounts payable17/49€816k€463k▼
Amounts payable after more than one year17€392k€0▼
Financial debts170/4€392k€0▼
Amounts payable within one year42/48€424k€463k▲
Current portion of amounts payable after more than one year42€391k€392k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€20k€63k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€2k€8k▲
Operating profit (loss)9901€-4k€1k▲
Financial income75/76B€370k€440k▲
Recurring financial income75€370k€440k▲
Financial charges65/66B€32k€24k▼
Recurring financial charges65€32k€24k▼
Profit (loss) for the period before taxes9903€335k€418k▲
Income taxes67/77€353€435▲
Profit (loss) for the period9904€334k€417k▲
Profit (loss) for the period to be appropriated9905€334k€417k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.32M€1.68M▲
Profit (loss) brought forward from the previous period14P€983k€1.27M▲
Profit to be distributed694/7€51k€59k▲
Return on contributions (dividend)694€51k€59k▲
The notes to these accounts (18 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1MEq €1.27M ▲28.8%
3 profitable years in a row build equity to €1.27M.
06-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €692k ▲95.6%
Net result €692k, the highest in the series.
31-12
Financial
Equity above €500kEq €985k ▲181%
2 profitable years in a row build equity to €985k.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €354k
Net result €354k after one loss-making year.
31-12
Financial
Equity above €200kEq €351k
Equity rises from €-3k to €351k.
21-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Katelijne-Waver · 1 establishment unit since 2021
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.
Duffelsesteenweg 662860 Sint-Katelijne-WaverGround area
879 m²
Building footprint
349 m²
Volume, LiDAR
1,681 m³
Parcel 12035A0522/00V000, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JOSO-MGMT
since 20212.312.233.045
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035A0522/00V000 | Flanders | 878 m² | 1 · 349 m² | 10.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 9,895 EUR awarded · 9,895 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 798 EUR | 798 EUR |
| 2023 | 1 | 5,077 EUR | 5,077 EUR |
| 2022 | 1 | 4,020 EUR | 4,020 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6488000BIIJT9DWXN641
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,514 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
96995Pet boarding
96993Pet care services, excluding veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.