JOY'S VILLA
ActiveJOY'S VILLA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €40k. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 63% of 13270 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+48
Solvency71▲+26
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 0.96 in 2024; short-term debt: 34.7% and cash: 16.8% of total assets), but 54.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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
45.7%
Return on assets
21.2%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €86k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
on the day
2022
2 d early
2021
26 d early
2020
11 d early
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▲ 86.8%
2024 · €46k
2018: €76k
2019: €88k
2020: €82k
2021: €100k
2022: €51k
2023: €52k
2024: €46k
2018 → 2025
Total assets
€188k▼ 18.5%
2024 · €231k
2018: €120k
2019: €104k
2020: €107k
2021: €115k
2022: €88k
2023: €203k
2024: €231k
2018 → 2025
Net result
€40k
2024 · €-6k
2018: €-12k
2019: €12k
2020: €-6k
2021: €19k
2022: €-49k
2023: €893
2024: €-6k
2018 → 2025
Working capital
€41k
2024 · €-6k
2018: €28k
2019: €55k
2020: €51k
2021: €86k
2022: €32k
2023: €3k
2024: €-6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€51k▼ 49.1%€52k▲ 1.7%€46k▼ 11.5%€86k▲ 86.8%
Operating result€18k-€-48k€5k€-4k€48k
Net result€19k-€-49k€893€-6k€40k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €48k after a loss of €4k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188k
Fixed assets
€82k▼ 24.8%
Current assets
€106k▼ 13.0%
Equity and liabilities €188k
Equity
€86k▲ 86.8%
Debt
€102k▼ 44.8%
The debt ratio falls from 80.1% to 54.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€81k▲
2024 · €29k
Cash flow
€73k▲
2024 · €26k
Solvency
45.7%▲
2024 · 19.9%
Current ratio
1.63▲
2024 · 0.96
Quick ratio
1.46▲
2024 · 0.86
Debt / equity
1.19▼
2024 · 4.02
ROE
46.5%▲
2024 · -13.0%
ROA
21.2%▲
2024 · -2.6%
Interest coverage
14.72▲
2024 · 3.75
Debt
€102k▼
2024 · €185k
Debt ≤ 1 year
€65k▼
2024 · €128k
Debt > 1 year
€37k▼
2024 · €57k
Income taxes
€5k
Staff costs
€88k▲
2024 · €87k
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€231k€188k▼
Formation expenses20-€0
Fixed assets21/28€109k€82k▼
Tangible fixed assets22/27€109k€82k▼
Land and buildings22-€0
Plant, machinery and equipment23€22k€17k▼
Furniture and vehicles24€41k€30k▼
Other tangible fixed assets26€46k€35k▼
Current assets29/58€122k€106k▼
Stocks and contracts in progress3€13k€11k▼
Stocks30/36€13k€11k▼
Amounts receivable within one year40/41€104k€64k▼
Trade receivables40€1k-
Other amounts receivable41€102k€64k▼
Cash at bank and in hand54/58€6k€32k▲
Equity and liabilities
Total equity and liabilities10/49€231k€188k▼
Equity10/15€46k€86k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€40k€40k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€33k€33k=
Profit (loss) carried forward14€-56k€-16k▲
Amounts payable17/49€185k€102k▼
Amounts payable after more than one year17€57k€37k▼
Financial debts170/4€57k€37k▼
Amounts payable within one year42/48€128k€65k▼
Current portion of amounts payable after more than one year42€19k€20k▲
Trade debts44€58k€9k▼
Suppliers440/4€58k€9k▼
Taxes, remuneration and social security45€16k€17k▲
Taxes450/3€7k€9k▲
Remuneration and social security454/9€9k€8k▼
Other amounts payable47/48€34k€19k▼
Income statement
Code20242025
Non-recurring operating income76A€5k-
Remuneration, social security and pensions62€87k€88k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€33k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€118k€174k▲
Operating profit (loss)9901€-4k€48k▲
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€-6k€45k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-6k€40k▲
Profit (loss) for the period to be appropriated9905€-6k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€-16k▲
Profit (loss) brought forward from the previous period14P€-50k€-56k▼
The notes to these accounts (6 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €893
Net result €893 after one loss-making year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-49k ▼365%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 6.87
Current ratio from 2.97 to 6.87; short-term debt falls from €26k to €15k.
30-09
Financial
Equity above €100kEq €100k ▲22.8%
Equity rises from €82k to €100k.
19-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 4.52
Current ratio from 1.64 to 4.52; short-term debt falls from €44k to €16k.
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-06-2021
Liu Joyce: Resigned as Director
01-10-2020
Liu Ho NN 78070528291: Resigned as Director
01-10-2020
Liu Ying NN 78070528489: Resigned as Director
03-08-2020
Taming on NN 55012742623: Resigned as Director
30-09-2019
Trinch Lan Chi: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1989
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.
Bredabaan 8312170 AntwerpenGround area
2,122 m²
Building footprint
421 m²
Volume, LiDAR
2,652 m³
Parcel 11423B0247/00S004, Flanders · tallest building 15.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bredabaan 831, 2170 Antwerpen
since 19892.042.118.333
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11423B0247/00S004 | Flanders | 2,122 m² | 1 · 421 m² | 15.0 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
Food safety, FASFC
1 siteAntwerpen2.042.118.333
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,708 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-12-1988
Fiscal year end30-09
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.