Financials
- Fiscal year
- 2025
- Total assets
- €1.2m
- Loss
- -€63,800
- Solvency
- 62.2%
Total assets▼ 7.1%
Net result
20182025
JOTI
ActiveSummary
JOTI has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €760,536 and a net result of -€63,800. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 9986 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Development of residential building projects
NACE 68121Real estate development NACE 41101Renting and operating of own or leased non-residential real estate, excluding land NACE 68203
1 site
Size
€1.2mtotal assets 2025
- Equity
- €760,536
- Loss
- -€63,800
Turnover not published (abridged schema)
Structure
Accounts on time0 of 4 deeds read
Why 87- Liquidity: current ratio 0.24, cash €6,942, halved- Loss of €63,800 (FY 2025)+ Size: total assets €1.2m+ Sector Real estate activities (NACE 68)Show the evidence
Checked score
Score 2025
87
/ 100
Excellent
Probability in this band: under 0.55%
Better than 44% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
87-1
equity 62.2% of total assets
Liquidity
51-18
short-term debt 8.5% · cash 0.6%
Profitability
18-59
return on assets -5.2%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 20 months
03-2025: 0.2%
04-2025: 0.2%▼ -1.2% vs 03-2025
05-2025: 0.2%▲ +2.5% vs 04-2025
06-2025: 0.2%▲ +11.5% vs 05-2025
07-2025: 0.2%▲ +18.5% vs 06-2025
08-2025: 0.4%▲ +71.1% vs 07-2025highest value
09-2025: 0.1%▼ -82.0% vs 08-2025
10-2025: 0.1%● 0.0% vs 09-2025
11-2025: 0.1%● 0.0% vs 10-2025
12-2025: 0.1%▲ +4.5% vs 11-2025
01-2026: 0.1%▼ -5.7% vs 12-2025lowest value
02-2026: 0.1%▲ +1.5% vs 01-2026
03-2026: 0.1%▲ +3.0% vs 02-2026
04-2026: 0.1%▼ -2.9% vs 03-2026
05-2026: 0.1%▲ +7.5% vs 04-2026
06-2026: 0.1%▲ +9.7% vs 05-2026
07-2026: 0.1%▲ +26.6% vs 06-2026
08-2026: 0.2%▲ +114% vs 07-2026
09-2026: 0.2%● 0.0% vs 08-2026
10-2026: 0.2%● 0.0% vs 09-2026
- Size: total assets €1.2m lowers the probability for this profile
- Liquidity: current ratio 0.24, cash €6,942, halved raises the probability
- Loss of €63,800 (FY 2025) raises the probability
- Sector Real estate activities (NACE 68) lowers the probability
Credit up to €65,000 at 30 days acceptable
Liquidity short (current ratio 0.24 against 1.72 in 2024; short-term debt: 8.5% and cash: 0.6% of total assets), and 37.8% 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 68, micro). Better than this share of them on solvency 73%, liquidity 54%, profitability 19%, growth against the median 30%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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+raises risk○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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
91 d late
← 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 31 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (5 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet -€63,800
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2019
- Next accounts
- by 31-07-2027
- 31-07-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 31-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Development of residential building projectsNACE 68121
- Founded
- 07-11-2017
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
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