Jotelco
ActiveThe computed 12-month bankruptcy probability of Jotelco is 1.6% (moderate). The 2025 annual accounts show equity of €499k and a net result of €72k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 1190 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-28
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0.9% of the assets are financed with debt.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.1%
Return on assets
14.3%
Age of the figures
8 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 15-04-2026, 107 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
107 d early
2024
14 d early
2023
27 d late
2022
28 d late
2021
22 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€499k▲ 16.8%
2024 · €427k
2021: €127k
2022: €234k
2023: €324k
2024: €427k
2021 → 2025
Total assets
€503k▲ 14.6%
2024 · €439k
2021: €152k
2022: €254k
2023: €338k
2024: €439k
2021 → 2025
Net result
€72k▼ 30.1%
2024 · €103k
2021: €122k
2022: €107k
2023: €90k
2024: €103k
2021 → 2025
Working capital
€497k▲ 17.3%
2024 · €423k
2021: €115k
2022: €225k
2023: €317k
2024: €423k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€234k▲ 84.5%€324k▲ 38.7%€427k▲ 31.7%€499k▲ 16.8%
Operating result€174k-€147k▼ 15.8%€134k▼ 8.8%€138k▲ 3.1%€96k▼ 30.7%
Net result€122k-€107k▼ 12.1%€90k▼ 15.5%€103k▲ 13.6%€72k▼ 30.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €503k
Fixed assets
€2k▼ 39.3%
Current assets
€501k▲ 15.1%
Equity and liabilities €503k
Equity
€499k▲ 16.8%
Debt
€4k▼ 64.1%
The debt ratio falls from 2.7% to 0.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€100k▼
2024 · €142k
Cash flow
€76k▼
2024 · €107k
Solvency
99.1%▲
2024 · 97.3%
Debt / equity
0.01▼
2024 · 0.03
ROE
14.4%▼
2024 · 24.1%
ROA
14.3%▼
2024 · 23.4%
Interest coverage
138.38▼
2024 · 235.76
Debt
€4k▼
2024 · €12k
Debt ≤ 1 year
€4k▼
2024 · €12k
Income taxes
€35k▼
2024 · €40k
A ratio outside any meaningful range has been withheld (balance sheet total €503k, equity €499k).
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€439k€503k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€435k€501k▲
Amounts receivable within one year40/41-€3k
Other amounts receivable41-€3k
Cash at bank and in hand54/58€435k€498k▲
Deferred charges and accrued income490/1€35€38▲
Equity and liabilities
Total equity and liabilities10/49€439k€503k▲
Equity10/15€427k€499k▲
Contributions10/11€5k€5k=
Reserves13€422k€494k▲
Distributable reserves133€422k€494k▲
Amounts payable17/49€12k€4k▼
Amounts payable within one year42/48€12k€4k▼
Trade debts44€752€94▼
Suppliers440/4€752€94▼
Taxes, remuneration and social security45€10k€4k▼
Taxes450/3€10k€4k▼
Other amounts payable47/48€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Gross operating margin9900€142k€100k▼
Operating profit (loss)9901€138k€96k▼
Financial income75/76B€5k€12k▲
Recurring financial income75€5k€12k▲
Financial charges65/66B€601€721▲
Recurring financial charges65€601€721▲
Profit (loss) for the period before taxes9903€142k€107k▼
Income taxes67/77€40k€35k▼
Profit (loss) for the period9904€103k€72k▼
Profit (loss) for the period to be appropriated9905€103k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€72k▼
Transfer to equity691/2€103k€72k▼
To other reserves6921€103k€72k▼
The notes to these accounts (5 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
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €72k ▼30.1%
Net result drops to €72k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 115.89
Current ratio from 36.13 to 115.89; short-term debt falls from €12k to €4k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 24.42
Current ratio from 11.98 to 24.42; short-term debt falls from €21k to €14k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 11.98
Current ratio from 5.64 to 11.98; short-term debt falls from €25k to €21k.
31-12
Financial
Equity above €200kEq €234k ▲84.5%
2 profitable years in a row build equity to €234k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
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, Dendermonde · 1 establishment unit since 2020
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.
Kwintijnpoort (DEN) 289200 DendermondeGround area
698 m²
Building footprint
138 m²
Volume, LiDAR
764 m³
Parcel 42006C0346/00F006, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jotelco
since 20202.308.796.869
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006C0346/00F006 | Flanders | 698 m² | 1 · 138 m² | 7.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500B0T866BF03F383
Similar companies · same sector, comparable size
I.M.P.
BE 0449.862.244
Brasschaat · Eq €498k
L.P.V. INVESTS
BE 0453.309.209
Hove · Eq €500k
JONES LANG LASALLE SERVICES
BE 0861.134.821
Brussel · Eq €497k
LEAN INVEST
BE 0676.669.129
Anderlecht · Eq €495k
I.M.T.
BE 0428.701.891
Walhain · Eq €495k
Of 1,272 companies in sector 81100 we hold annual accounts for 672. 463 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-08-2020
Fiscal year end31-12
Activities, NACEBEL
81100Combined facilities support activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.