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JOSWI

Active
Private limited companyfounded 20241 yr activeSint-Adriaanstraat 59, 3150 Haacht, BelgiumKBO/BCE: BE 1018.091.115
Summary

The computed 12-month bankruptcy probability of JOSWI is 1.6% (moderate). The 2025 annual accounts show equity of €88,488 and a net result of €13,253. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability72
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days only on tighter terms
Liquidity ample (current ratio 5.65; short-term debt: 6.4% and cash: 34.6% of total assets), and 8.2% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · 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
91.8%
Return on assets
13.7%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
31 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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

History

JOSWI was incorporated on 31 December 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€88,488
Total assets
€96,426
Net result
€13,253
Working capital
€28,743

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

Balance-sheet composition
Assets €96,426
Fixed assets €61,498
Current assets €34,928
Equity and liabilities €96,426
Equity €88,488
Debt €7,938
Debt finances 8.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€27,739
Cash flow
€21,554
Current ratio
5.65
Debt to equity
0.09
ROE
15.0%
ROA
13.7%
Debt ≤ 1 year
€6,185
Income taxes
€6,185

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.6% 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%.

The companies in ten equal groups, from lowest to highest expected share.
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 11,279 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
Filed annual accounts As filed with the NBB · 2025 · 32 lines
Balance sheet Code2025
Assets
Total assets20/58€96,426
Fixed assets21/28€61,498
Tangible fixed assets22/27€61,498
Land and buildings22€61,498
Current assets29/58€34,928
Amounts receivable within one year40/41€1,565
Trade receivables40€1,479
Other amounts receivable41€86
Cash at bank and in hand54/58€33,363
Equity and liabilities
Total equity and liabilities10/49€96,426
Equity10/15€88,488
Contributions10/11€3,415
Reserves13€83,958
Distributable reserves133€83,958
Profit (loss) carried forward14€1,115
Amounts payable17/49€7,938
Amounts payable within one year42/48€6,185
Taxes, remuneration and social security45€6,185
Taxes450/3€6,185
Accrued charges and deferred income492/3€1,753
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,302
Other operating charges640/8€2,709
Gross operating margin9900€30,448
Operating profit (loss)9901€19,438
Profit (loss) for the period before taxes9903€19,438
Income taxes67/77€6,185
Profit (loss) for the period9904€13,253
Profit (loss) for the period to be appropriated9905€13,253
Appropriation of the result
Profit (loss) to be appropriated9906€14,365
Profit (loss) brought forward from the previous period14P€1,112
Transfer to equity691/2€13,250
To other reserves6921€13,250

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,302
Other operating charges640/8€2,709
Gross operating margin9900€30,448
Operating profit (loss)9901€19,438
Profit (loss) for the period before taxes9903€19,438
Income taxes67/77€6,185
Profit (loss) for the period9904€13,253
Profit (loss) for the period to be appropriated9905€13,253
Line2025
Assets
Total assets20/58€96,426
Fixed assets21/28€61,498
Tangible fixed assets22/27€61,498
Land and buildings22€61,498
Current assets29/58€34,928
Amounts receivable within one year40/41€1,565
Trade receivables40€1,479
Other amounts receivable41€86
Cash at bank and in hand54/58€33,363
Equity and liabilities
Total equity and liabilities10/49€96,426
Equity10/15€88,488
Contributions10/11€3,415
Reserves13€83,958
Distributable reserves133€83,958
Profit (loss) carried forward14€1,115
Amounts payable17/49€7,938
Amounts payable within one year42/48€6,185
Taxes, remuneration and social security45€6,185
Taxes450/3€6,185
Accrued charges and deferred income492/3€1,753
Line2025
Profit (loss) for the period9904€13,253
+ Depreciation and write-downs630€8,302
Operating cash flow (approximation)€21,554

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
30-06
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Haacht · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
1,771 m²
Building footprint
142 m²
Volume, LiDAR
803 m³
Parcel 24033E0012/00X000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOSWI
Sint-Adriaanstraat 59, 3150 HaachtRenting and operating of own or leased residential real estate, excluding social housing
since 20242.368.667.546
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24033E0012/00X000 Flanders 1,771 m² 1 · 142 m² 7.7 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded31-12-2024
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.