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JOTECO

Active
Private limited companyfounded 200422 yrs activeDiksmuidekaai(Kor) 4, 8500 Kortrijk, BelgiumKBO/BCE: BE 0867.307.979
Summary

JOTECO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.6m and a net result of €110,315. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 36981 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
JOTECOActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220NACE 74142
1 site
Size
€2.6mtotal assets 2025
Equity
€2.6m
Profit
€110,315
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Holdings
1
Accounts 33 d early0 of 6 deeds read
Why 96+ Size: total assets €2.6m+ Figures for FY 2025 (filed 03-04-2026)+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Equity €2.6m (97.0% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 70% of its sector peers (NACE 70, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 97.0% of total assets
Liquidity 60-2
short-term debt 1.7% · cash 7.8%
Profitability 74+4
return on assets 4.2%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (4,507 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▲ +25.7% vs 11-2024 01-2025: 0.1%▲ +14.8% vs 12-2024 02-2025: 0.1%▲ +13.9% vs 01-2025 03-2025: 0.1%▲ +25.2% vs 02-2025 04-2025: 0.2%▲ +35.4% vs 03-2025highest value 05-2025: < 0.1%▼ -85.6% vs 04-2025lowest value 06-2025: < 0.1%● 0.0% vs 05-2025lowest value 07-2025: < 0.1%● 0.0% vs 06-2025lowest value 08-2025: < 0.1%● 0.0% vs 07-2025lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%▲ +10.7% vs 11-2025 01-2026: < 0.1%▲ +6.5% vs 12-2025 02-2026: < 0.1%▲ +3.0% vs 01-2026 03-2026: < 0.1%▲ +2.9% vs 02-2026 04-2026: < 0.1%▲ +31.4% vs 03-2026 05-2026: < 0.1%▼ -37.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%● 0.0% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%▼ -3.4% vs 09-2026lowest value
  • Size: total assets €2.6m lowers the probability for this profile
  • Figures for FY 2025 (filed 03-04-2026) lowers the probability
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
  • Equity €2.6m (97.0% of total assets) lowers the probability
Credit up to €240,000 at 30 days acceptable
Liquidity ample (current ratio 55.36 against 23.32 in 2024; short-term debt: 1.7% and cash: 7.8% of total assets), and 3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, small). Better than this share of them on solvency 85%, liquidity 80%, profitability 67%, growth against the median 48%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Size: total assets €2.6m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 03-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Equity €2.6m (97.0% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 28-03-2026, 33 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
33 d early
2024
33 d early
2023
32 d early
2022
29 d early
2021
36 d early
2020
35 d early
2019
34 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 33 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 28 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 deadline
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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Liquidity doublescurrent ratio 55.36
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 5% on solvencysector median 56.1% · 36,981 companies 97.0% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €110,315 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€2.6m
Profit
€110,315
Solvency
97.0%
Total assets▼ 0.2%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 30-04-2027
  1. 28-03-2026Annual accounts filed
  2. 30-09-2025Liquidity doubles
  3. 28-03-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
17-09-2004
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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