JoWyl
ActiveJoWyl has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €-74k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 2687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-76
Solvency94▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.53 against 5.39 in 2024; short-term debt: 9.2% and cash: 23.6% of total assets), and 30.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
27 d early
2021
27 d early
2020
1 d early
2019
62 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€190k▼ 28.0%
2024 · €263k
2018: €154k
2019: €164k
2020: €177k
2021: €200k
2022: €225k
2023: €242k
2024: €263k
2018 → 2025
Total assets
€274k▼ 27.2%
2024 · €377k
2018: €316k
2019: €303k
2020: €300k
2021: €307k
2022: €312k
2023: €316k
2024: €377k
2018 → 2025
Net result
€-74k
2024 · €22k
2018: €7k
2019: €11k
2020: €14k
2021: €24k
2022: €25k
2023: €19k
2024: €22k
2018 → 2025
Working capital
€89k▼ 38.0%
2024 · €143k
2018: €32k
2019: €60k
2020: €82k
2021: €110k
2022: €145k
2023: €128k
2024: €143k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€200k-€225k▲ 12.2%€242k▲ 7.9%€263k▲ 8.7%€190k▼ 28.0%
Operating result€37k-€39k▲ 4.9%€28k▼ 27.8%€33k▲ 19.7%€-71k
Net result€24k-€25k▲ 6.9%€19k▼ 26.6%€22k▲ 17.3%€-74k
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 turns negative in 2025: a loss of €71k after €33k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €274k
Fixed assets
€160k▼ 20.3%
Current assets
€114k▼ 35.2%
Equity and liabilities €274k
Equity
€190k▼ 28.0%
Debt
€84k▼ 25.5%
The debt ratio rises from 30.1% to 30.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-30k▼
2024 · €66k
Cash flow
€-33k▼
2024 · €54k
Solvency
69.2%▼
2024 · 69.9%
Current ratio
4.53▼
2024 · 5.39
Quick ratio
3.91▼
2024 · 5.39
Debt / equity
0.45▲
2024 · 0.43
ROE
-38.8%▼
2024 · 8.3%
ROA
-26.8%▼
2024 · 5.8%
Interest coverage
-8.47▼
2024 · 20.82
Debt
€84k▼
2024 · €113k
Debt ≤ 1 year
€25k▼
2024 · €33k
Debt > 1 year
€58k▼
2024 · €81k
Income taxes
€134▼
2024 · €9k
Staff costs
€2k▼
2024 · €2k
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€377k€274k▼
Fixed assets21/28€201k€160k▼
Tangible fixed assets22/27€201k€160k▼
Land and buildings22€148k€119k▼
Plant, machinery and equipment23€1k€756▼
Furniture and vehicles24€52k€40k▼
Current assets29/58€176k€114k▼
Stocks and contracts in progress3-€16k
Stocks30/36-€16k
Amounts receivable within one year40/41€38k€10k▼
Trade receivables40€31k€6k▼
Other amounts receivable41€7k€4k▼
Current investments50/53€37k€24k▼
Cash at bank and in hand54/58€101k€65k▼
Equity and liabilities
Total equity and liabilities10/49€377k€274k▼
Equity10/15€263k€190k▼
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€251k€251k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€249k€249k=
Profit (loss) carried forward14-€-74k
Amounts payable17/49€113k€84k▼
Amounts payable after more than one year17€81k€58k▼
Financial debts170/4€81k€58k▼
Amounts payable within one year42/48€33k€25k▼
Current portion of amounts payable after more than one year42€22k€23k▲
Trade debts44€2k€262▼
Suppliers440/4€2k€262▼
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Other amounts payable47/48€560-
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€41k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€70k€-26k▼
Operating profit (loss)9901€33k€-71k▼
Financial income75/76B-€769
Recurring financial income75-€769
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€30k€-73k▼
Income taxes67/77€9k€134▼
Profit (loss) for the period9904€22k€-74k▼
Profit (loss) for the period to be appropriated9905€22k€-74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€-74k▼
Transfer to equity691/2€21k-
To other reserves6921€21k-
Profit to be distributed694/7€800-
Return on contributions (dividend)694€800-
The notes to these accounts (4 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-74k ▼438%
Net result drops to €-74k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €25k ▲6.9%
Operating result €39k, net result €25k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €200k ▲12.9%
4 profitable years in a row build equity to €200k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Holsbeek · 1 establishment unit since 2005
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.
Kratenberg 13221 HolsbeekGround area
722 m²
Building footprint
138 m²
Volume, LiDAR
2 m³
Parcel 24080C0162/00R002, Flanders · tallest building 1.1 m. Linked by address, not a title deed.
1 establishment unit
JoWyl
since 20052.149.110.026
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24080C0162/00R002 | Flanders | 722 m² | 1 · 138 m² | 1.1 m |
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
Food safety, FASFC
1 siteHolsbeek2.149.110.026
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 14,857 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2005
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jowyl@jowyl.com
Phone:0486218801