Joyce Holding
ActiveJoyce Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €10k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 5495 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 5495 sector peers (2025).
NBB · sector comparisonPosition among 5495 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
28 d late
2024
17 d early
2023
34 d early
2022
on the day
2021
31 d late
2020
2 d early
← 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, abbreviated schema
Equity
€10k▲ 126%
2024 · €5k
2020: €-22
2021: €-2k
2022: €-3k
2023: €-5k
2024: €5k
2020 → 2025
Net result
€6k▼ 40.8%
2024 · €10k
2020: €-2k
2021: €-2k
2022: €-1k
2023: €-2k
2024: €10k
2020 → 2025
Total assets
€211k▲ 1,346%
2024 · €15k
2020: €2k
2021: €3k
2022: €822
2023: €1k
2024: €15k
2020 → 2025
Solvency
4.8%▼ 26.1pp
2024 · 30.9%
2020: -1.1%
2021: -65.3%
2022: -392.9%
2023: -358.4%
2024: 30.9%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€-3k▼ 69.7%€-5k▼ 58.6%€5k€10k▲ 126%
Operating result€-2k-€-1k▲ 28.8%€-2k▼ 43.7%€11k€8k▼ 28.0%
Net result€-2k-€-1k▲ 29.5%€-2k▼ 42.7%€10k€6k▼ 40.8%
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 falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €211k
Fixed assets
€188k
Current assets
€24k
Equity and liabilities €211k
Equity
€10k▲ 126%
Debt
€201k▲ 1,892%
The debt ratio rises from 69.1% to 95.2%: debt grows faster than equity.
Key figures and ratios
Solvency
4.8%▼
2024 · 30.9%
ROE
55.8%▼
2024 · 213.2%
ROA
2.7%▼
2024 · 66.0%
Debt
€201k▲
2024 · €10k
Debt ≤ 1 year
€2k▼
2024 · €3k
Debt > 1 year
€199k▲
2024 · €8k
Income taxes
€2k▲
2024 · €945
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€15k€211k▲
Fixed assets21/28-€188k
Tangible fixed assets22/27-€188k
Assets under construction and advance payments27-€188k
Current assets29/58€15k€24k▲
Amounts receivable within one year40/41€15k€21k▲
Trade receivables40€15k€20k▲
Other amounts receivable41-€595
Cash at bank and in hand54/58€99€3k▲
Equity and liabilities
Total equity and liabilities10/49€15k€211k▲
Equity10/15€5k€10k▲
Contributions10/11€2k€2k=
Reserves13€3k€8k▲
Distributable reserves133€3k€8k▲
Amounts payable17/49€10k€201k▲
Amounts payable after more than one year17€8k€199k▲
Other amounts payable178/9€8k€199k▲
Amounts payable within one year42/48€3k€2k▼
Trade debts44€207€333▲
Suppliers440/4€207€333▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Income statement
Code20242025
Other operating charges640/8€118€120▲
Gross operating margin9900€11k€8k▼
Operating profit (loss)9901€11k€8k▼
Financial charges65/66B€30€30=
Recurring financial charges65€30€30=
Profit (loss) for the period before taxes9903€11k€8k▼
Income taxes67/77€945€2k▲
Profit (loss) for the period9904€10k€6k▼
Profit (loss) for the period to be appropriated9905€10k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Profit (loss) brought forward from the previous period14P€-7k-
Transfer to equity691/2€3k€6k▲
To other reserves6921€3k€6k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 12.73
Current ratio from 5.68 to 12.73; short-term debt falls from €3k to €2k.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after 4 loss-making years.
31-12
Financial
Liquidity times 26current ratio 5.68
Current ratio from 0.22 to 5.68; short-term debt falls from €7k to €3k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Schilde · 1 establishment unit since 2019
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.
Kempischveldweg 852970 SchildeGround area
3,495 m²
Building footprint
223 m²
Volume, LiDAR
1,079 m³
Parcel 11922C0267/00H000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Joyce Holding
since 20192.298.304.637
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0267/00H000 | Flanders | 3,495 m² | 1 · 223 m² | 7.0 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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 5,138 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.