JOY INTERIEUR
ActiveJOY INTERIEUR has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €-1k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 54% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
60
/ 100
Healthy▼ -9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-63
Solvency75▲+6
Growth52=
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.98 in 2024), and 49.2% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
50.8%
Return on assets
-1%
Age of the figures
8 mo
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
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 17-07-2026, 14 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
14 d early
2024
8 d early
2023
1 d early
2022
25 d late
2021
2 d early
2020
on the day
2019
31 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▼ 2.0%
2024 · €53k
2018: €13k
2019: €14k
2020: €29k
2021: €34k
2022: €50k
2023: €46k
2024: €53k
2018 → 2025
Total assets
€102k▼ 10.8%
2024 · €114k
2018: €36k
2019: €45k
2020: €64k
2021: €61k
2022: €95k
2023: €119k
2024: €114k
2018 → 2025
Net result
€-1k
2024 · €7k
2018: €7k
2019: €718
2020: €14k
2021: €6k
2022: €16k
2023: €-4k
2024: €7k
2018 → 2025
Working capital
€3k
2024 · €-889
2018: €7k
2019: €4k
2020: €19k
2021: €28k
2022: €26k
2023: €-8k
2024: €-889
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€50k▲ 45.9%€46k▼ 8.4%€53k▲ 14.3%€52k▼ 2.0%
Operating result€9k-€22k▲ 155%€-3k€10k€77▼ 99.3%
Net result€6k-€16k▲ 166%€-4k€7k€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€63k▼ 17.8%
Current assets
€38k▲ 3.9%
Equity and liabilities €102k
Equity
€52k▼ 2.0%
Debt
€50k▼ 18.3%
The debt ratio falls from 53.7% to 49.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€14k▼
2024 · €25k
Cash flow
€13k▼
2024 · €21k
Solvency
50.8%▲
2024 · 46.3%
Current ratio
1.07▲
2024 · 0.98
Quick ratio
0.96▼
2024 · 0.96
Debt / equity
0.97▼
2024 · 1.16
ROE
-2.0%▼
2024 · 12.5%
ROA
-1.0%▼
2024 · 5.8%
Interest coverage
15.23▲
2024 · 10.94
Debt
€50k▼
2024 · €61k
Debt ≤ 1 year
€36k▼
2024 · €38k
Debt > 1 year
€14k▼
2024 · €23k
Income taxes
€235▼
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€114k€102k▼
Fixed assets21/28€77k€63k▼
Tangible fixed assets22/27€77k€63k▼
Plant, machinery and equipment23€55k€48k▼
Furniture and vehicles24€22k€15k▼
Current assets29/58€37k€38k▲
Stocks and contracts in progress3€514€4k▲
Stocks30/36€514€4k▲
Amounts receivable within one year40/41€19k€25k▲
Trade receivables40€12k€17k▲
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€17k€10k▼
Equity and liabilities
Total equity and liabilities10/49€114k€102k▼
Equity10/15€53k€52k▼
Contributions10/11€6k€6k=
Reserves13€45k€45k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€2k€791▼
Amounts payable17/49€61k€50k▼
Amounts payable after more than one year17€23k€14k▼
Financial debts170/4€23k€14k▼
Amounts payable within one year42/48€38k€36k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€9k€11k▲
Suppliers440/4€9k€11k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€16k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€976€2k▲
Gross operating margin9900€26k€16k▼
Operating profit (loss)9901€10k€77▼
Financial income75/76B€288€19▼
Recurring financial income75€288€19▼
Financial charges65/66B€2k€903▼
Recurring financial charges65€2k€903▼
Profit (loss) for the period before taxes9903€8k€-806▼
Income taxes67/77€2k€235▼
Profit (loss) for the period9904€7k€-1k▼
Profit (loss) for the period to be appropriated9905€7k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€791▼
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer to equity691/2€7k€0▼
To the legal reserve6920€7k€0▼
The notes to these accounts (11 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-4k ▼127%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Highest result since 2018net €16k ▲166%
Operating result €22k, net result €16k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 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, Oostkamp · 1 establishment unit since 2018
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.
Hermelijnstraat 118020 OostkampGround area
395 m²
Building footprint
84 m²
Volume, LiDAR
597 m³
Parcel 31403H0890/00G000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOY INTERIEUR
since 20182.271.648.839
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31403H0890/00G000 | Flanders | 395 m² | 1 · 84 m² | 8.9 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.
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BART LAVAERT
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 7,381 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-01-2018
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.