JOZEF DE BROE
ActiveJOZEF DE BROE has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €373k and a net result of €27k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-1
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 8.58 in 2024; short-term debt: 23.5% and cash: 20.8% of total assets), and 26.1% 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+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 47
Relative position
BE, all sectors
reference
Sector 47
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
73.9%
Return on assets
5.3%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
2 d early
2022
4 d early
2021
3 d early
2020
3 d early
2019
on the day
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€373k▼ 15.6%
2024 · €442k
2018: €268k
2019: €277k
2020: €364k
2021: €378k
2022: €401k
2023: €422k
2024: €442k
2018 → 2025
Total assets
€505k▲ 5.6%
2024 · €478k
2018: €275k
2019: €281k
2020: €394k
2021: €395k
2022: €432k
2023: €442k
2024: €478k
2018 → 2025
Net result
€27k▼ 7.2%
2024 · €29k
2018: €9k
2019: €9k
2020: €86k
2021: €14k
2022: €23k
2023: €24k
2024: €29k
2018 → 2025
Working capital
€136k▼ 38.1%
2024 · €220k
2018: €268k
2019: €245k
2020: €344k
2021: €365k
2022: €397k
2023: €427k
2024: €220k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€378k-€401k▲ 6.1%€422k▲ 5.3%€442k▲ 4.8%€373k▼ 15.6%
Operating result€18k-€38k▲ 108%€30k▼ 21.2%€47k▲ 57.6%€36k▼ 22.7%
Net result€14k-€23k▲ 63.1%€24k▲ 4.5%€29k▲ 19.2%€27k▼ 7.2%
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 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €505k
Fixed assets
€250k▲ 9.2%
Current assets
€255k▲ 2.3%
Equity and liabilities €505k
Equity
€373k▼ 15.6%
Debt
€132k▲ 268%
The debt ratio rises from 7.5% to 26.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€40k▼
2024 · €75k
Cash flow
€30k▼
2024 · €57k
Solvency
73.9%▼
2024 · 92.5%
Current ratio
2.15▼
2024 · 8.58
Quick ratio
1.49▼
2024 · 6.02
Debt / equity
0.35▲
2024 · 0.08
ROE
7.2%▲
2024 · 6.5%
ROA
5.3%▼
2024 · 6.0%
Interest coverage
69.52▲
2024 · 11.71
Debt
€132k▲
2024 · €36k
Debt ≤ 1 year
€119k▲
2024 · €29k
Income taxes
€12k▼
2024 · €19k
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€478k€505k▲
Fixed assets21/28€229k€250k▲
Intangible fixed assets21-€1k
Tangible fixed assets22/27€229k€248k▲
Land and buildings22€225k€246k▲
Plant, machinery and equipment23€4k€3k▼
Current assets29/58€249k€255k▲
Stocks and contracts in progress3€74k€78k▲
Stocks30/36€74k€78k▲
Amounts receivable within one year40/41€13k-
Trade receivables40€7k€0▼
Other amounts receivable41€6k-
Current investments50/53€49k€66k▲
Cash at bank and in hand54/58€108k€105k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€478k€505k▲
Equity10/15€442k€373k▼
Contributions10/11€37k€37k=
Reserves13€188k€118k▼
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€866€866=
Distributable reserves133€183k€114k▼
Profit (loss) carried forward14€217k€217k=
Amounts payable17/49€36k€132k▲
Amounts payable within one year42/48€29k€119k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€10k€3k▼
Other amounts payable47/48€18k€114k▲
Accrued charges and deferred income492/3€7k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€3k▼
Other operating charges640/8€1k€783▼
Gross operating margin9900€76k€40k▼
Operating profit (loss)9901€47k€36k▼
Financial income75/76B€7k€3k▼
Recurring financial income75€7k€3k▼
Financial charges65/66B€6k€571▼
Recurring financial charges65€6k€571▼
Profit (loss) for the period before taxes9903€48k€39k▼
Income taxes67/77€19k€12k▼
Profit (loss) for the period9904€29k€27k▼
Profit (loss) for the period to be appropriated9905€29k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€246k€244k▼
Profit (loss) brought forward from the previous period14P€217k€217k=
Transfer from equity791/2€9k€96k▲
Transfer to equity691/2€29k€27k▼
To other reserves6921€29k€27k▼
Profit to be distributed694/7€9k€96k▲
Return on contributions (dividend)694€9k€96k▲
The notes to these accounts (9 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 31.47
Current ratio from 14.44 to 31.47; short-term debt falls from €26k to €12k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €86k ▲811%
Operating result €124k, net result €86k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Lokeren · 1 establishment unit since 2000
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.
Hillarestraat 2619160 LokerenGround area
1,171 m²
Building footprint
293 m²
Volume, LiDAR
1,322 m³
Parcel 46384C0714/00E000, Flanders · tallest building 12.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hillarestraat 261, 9160 Lokeren
since 20002.099.874.707
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384C0714/00E000 | Flanders | 1,171 m² | 1 · 293 m² | 11.9 m · 1 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.
Similar companies · same sector, comparable size
HUIS DEGRYSE
BE 0439.151.860
Oostende · Eq €373k
VIA SPA
BE 0726.667.184
Spa · Eq €374k
GS-TRADING
BE 0466.462.805
Westerlo · Eq €375k
WV1
BE 0627.969.585
Gent · Eq €375k
Fietsen Somers
BE 0879.284.709
Beerse · Eq €371k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-09-2000
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
52492
45402
47715Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
50400Inland freight water transport
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.