JOTER
Open bankruptcyA bankruptcy procedure is open for JOTER according to publications in the Belgian State Gazette. The 2024 annual accounts show equity of €3k and a net result of €-11k.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-11k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9981 sector peers (2024).
NBB · sector comparisonPosition among 9981 sector peers
Solvency
better than 19%
← weakest
strongest →
Financials · fiscal year 2024, micro schema
Equity
€3k▼ 80.2%
2023 · €14k
2018: €23k
2019: €29k
2020: €33k
2021: €34k
2022: €51k
2023: €14k
2018 → 2024
Total assets
€26k▼ 54.4%
2023 · €58k
2018: €44k
2019: €51k
2020: €92k
2021: €66k
2022: €81k
2023: €58k
2018 → 2024
Net result
€-11k▲ 70.2%
2023 · €-37k
2018: €4k
2019: €6k
2020: €4k
2021: €841
2022: €17k
2023: €-37k
2018 → 2024
Working capital
€-6k▼ 215%
2023 · €-2k
2018: €19k
2019: €9k
2020: €18k
2021: €16k
2022: €32k
2023: €-2k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€33k-€34k▲ 2.5%€51k▲ 49.1%€14k▼ 72.9%€3k▼ 80.2%
Operating result€5k-€-872€23k€-36k€-9k▲ 74.7%
Net result€4k-€841▼ 80.1%€17k▲ 1,892%€-37k€-11k▲ 70.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2024 against €36k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €26k
Fixed assets
€9k▼ 42.9%
Current assets
€17k▼ 58.7%
Equity and liabilities €26k
Equity
€3k▼ 80.2%
Debt
€24k▼ 46.4%
The debt ratio rises from 76.2% to 89.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k▲
2023 · €-29k
Cash flow
€-4k▲
2023 · €-30k
Solvency
10.3%▼
2023 · 23.8%
Current ratio
0.74▼
2023 · 0.95
Quick ratio
0.74▼
2023 · 0.95
Debt / equity
8.69▲
2023 · 3.21
ROE
-405.2%▼
2023 · -269.3%
ROA
-41.8%▲
2023 · -64.0%
Interest coverage
-1.08▲
2023 · -41.05
Debt
€24k▼
2023 · €44k
Debt ≤ 1 year
€24k▼
2023 · €44k
Income taxes
€246
Staff costs
€639▲
2023 · €104
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€58k€26k▼
Fixed assets21/28€16k€9k▼
Tangible fixed assets22/27€15k€8k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€8k€3k▼
Financial fixed assets28€530€530=
Current assets29/58€42k€17k▼
Amounts receivable within one year40/41€38k€7k▼
Trade receivables40€32k€7k▼
Other amounts receivable41€5k-
Cash at bank and in hand54/58€5k€10k▲
Equity and liabilities
Total equity and liabilities10/49€58k€26k▼
Equity10/15€14k€3k▼
Contributions10/11€19k€19k=
Reserves13€11k€11k=
Non-distributable reserves130/1€197€197=
Reserves not available under the articles1311€197€197=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-16k€-27k▼
Amounts payable17/49€44k€24k▼
Amounts payable within one year42/48€44k€24k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€23k€594▼
Suppliers440/4€23k€594▼
Taxes, remuneration and social security45€16k€19k▲
Taxes450/3€16k€19k▲
Other amounts payable47/48€1k€4k▲
Income statement
Code20232024
Remuneration, social security and pensions62€104€639▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€184€760▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€-29k€8k▲
Operating profit (loss)9901€-36k€-9k▲
Financial income75/76B-€679
Recurring financial income75-€679
Non-recurring financial income76B-€679
Financial charges65/66B€713€2k▲
Recurring financial charges65€713€2k▲
Profit (loss) for the period before taxes9903€-37k€-11k▲
Income taxes67/77-€246
Profit (loss) for the period9904€-37k€-11k▲
Profit (loss) for the period to be appropriated9905€-37k€-11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-27k▼
Profit (loss) brought forward from the previous period14P€21k€-16k▼
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
2026
06-08
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · JOTER SRL RUE FELIX BERNARD 32, 4420 SAINT-NICOLAS (LG.) · event 30-07-2026
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 119 days late
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 429 days late
2023
31-12
Financial
Weakest financial yearnet €-37k ▼321%
Net result drops to €-37k, the lowest in the series.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 347 days late
2022
31-12
Financial
Highest result since 2018net €17k ▲1892%
Operating result €23k, net result €17k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 296 days late
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 48 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Saint-Nicolas · 1 establishment unit since 2017
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.
Rue Félix Bernard 324420 Saint-NicolasGround area
1,711 m²
Building footprint
277 m²
Volume, LiDAR
1,526 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOTER
since 20172.261.454.238
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62073B0409/00S000 | Wallonia | 1,064 m² | 1 · 114 m² | 6.0 m · 2 fl. |
| 62016A0401/00T003 | Wallonia | 647 m² | 1 · 163 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
2 mandates| Role | Name | Tenure |
|---|---|---|
| Curator | YVES BISINELLA RUE MATTEOTTI 34, 4102 OUGREE- |
30-07-2026 → present |
| Curator | NATHAN VANHOVE RUE LOUVREX 55,
4000 LIEGE 1 |
30-07-2026 → present |
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 4,297 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-01-2017
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43240Other construction installation
43299Specialised construction activities
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.