JOYSA
ActiveJOYSA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €54. Equity is growing by ~38.8% per year across the filed fiscal years. Its solvency ranks better than 50% of 3096 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency41▼-8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.17 in 2024), and 67% 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.
−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 01
Relative position
BE, all sectors
reference
Sector 01
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
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
33%
Return on assets
0%
Age of the figures
14 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
122 d late
2023
9 d late
2022
on the day
2021
28 d late
2020
29 d late
2019
39 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k=
2024 · €113k
2019: €26k
2020: €33k
2021: €32k
2022: €41k
2023: €80k
2024: €113k
2019 → 2025
Total assets
€342k▲ 17.5%
2024 · €291k
2019: €332k
2020: €309k
2021: €277k
2022: €279k
2023: €267k
2024: €291k
2019 → 2025
Net result
€54▼ 99.8%
2024 · €32k
2019: €-18k
2020: €7k
2021: €-1k
2022: €9k
2023: €39k
2024: €32k
2019 → 2025
Working capital
€-124k▼ 22.5%
2024 · €-101k
2019: €-93k
2020: €-69k
2021: €-78k
2022: €-94k
2023: €-64k
2024: €-101k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€41k▲ 27.7%€80k▲ 96.1%€113k▲ 40.1%€113k=
Operating result€13k-€22k▲ 71.1%€64k▲ 189%€55k▼ 14.4%€16k▼ 71.3%
Net result€-1k-€9k€39k▲ 343%€32k▼ 18.2%€54▼ 99.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €342k
Fixed assets
€290k▲ 7.3%
Current assets
€52k▲ 153%
Equity and liabilities €342k
Equity
€113k=
Debt
€229k▲ 28.6%
The debt ratio rises from 61.3% to 67.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€33k▼
2024 · €73k
Cash flow
€18k▼
2024 · €51k
Solvency
33.0%▼
2024 · 38.7%
Current ratio
0.29▲
2024 · 0.17
Quick ratio
0.29▲
2024 · 0.16
Debt / equity
2.03▲
2024 · 1.58
ROE
0.0%▼
2024 · 28.6%
ROA
0.0%▼
2024 · 11.1%
Interest coverage
4.18▼
2024 · 16.10
Debt
€229k▲
2024 · €178k
Debt ≤ 1 year
€175k▲
2024 · €121k
Debt > 1 year
€54k▼
2024 · €57k
Income taxes
€8k▼
2024 · €18k
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€291k€342k▲
Fixed assets21/28€270k€290k▲
Tangible fixed assets22/27€270k€290k▲
Land and buildings22€243k€268k▲
Plant, machinery and equipment23€27k€21k▼
Furniture and vehicles24-€1k
Current assets29/58€20k€52k▲
Stocks and contracts in progress3€408€408=
Stocks30/36€408€408=
Amounts receivable within one year40/41€18k€49k▲
Trade receivables40€14k€5k▼
Other amounts receivable41€3k€45k▲
Cash at bank and in hand54/58€118€609▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€291k€342k▲
Equity10/15€113k€113k=
Contributions10/11€19k€19k=
Reserves13€94k€94k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€89k€89k=
Profit (loss) carried forward14-€54
Amounts payable17/49€178k€229k▲
Amounts payable after more than one year17€57k€54k▼
Financial debts170/4€57k€54k▼
Amounts payable within one year42/48€121k€175k▲
Current portion of amounts payable after more than one year42€34k€31k▼
Financial debts43€15k€0▼
Credit institutions430/8€15k€0▼
Trade debts44€41k€96k▲
Suppliers440/4€41k€96k▲
Taxes, remuneration and social security45€19k€45k▲
Taxes450/3€19k€45k▲
Other amounts payable47/48€13k€4k▼
Accrued charges and deferred income492/3€0€0=
Income statement
Code20242025
Remuneration, social security and pensions62€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€82k€40k▼
Operating profit (loss)9901€55k€16k▼
Financial income75/76B€11€638▲
Recurring financial income75€11€638▲
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€50k€8k▼
Income taxes67/77€18k€8k▼
Profit (loss) for the period9904€32k€54▼
Profit (loss) for the period to be appropriated9905€32k€54▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€54▼
Transfer to equity691/2€32k€0▼
To other reserves6921€32k€0▼
The notes to these accounts (7 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 122 days late
2024
30-06
Financial
Equity above €100kEq €113k ▲40.1%
3 profitable years in a row build equity to €113k.
09-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
30-06
Financial
Highest result since 2019net €39k ▲343%
Operating result €64k, net result €39k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
01-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
30-06
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
10-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maldegem · 1 establishment unit since 2009
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.
Striepe 29991 MaldegemGround area
760 m²
Building footprint
147 m²
Volume, LiDAR
688 m³
Parcel 43001A0669/00F000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOYSA
since 20092.179.345.025
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001A0669/00F000 | Flanders | 760 m² | 1 · 147 m² | 7.2 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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BERNERHOFJE
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Of 1,699 companies in sector 01480 we hold annual accounts for 160. 123 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-07-2009
Fiscal year end30-06
Activities, NACEBEL
01480Raising of other animals
01490Crop and animal production, hunting and related service activities
47762Retail sale of pets, pet food and pet supplies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.