JOZIE
ActiveJOZIE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €28k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
63
/ 100
Healthy▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency70▲+7
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.66 against 0.25 in 2024), and 27.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
72.8%
Return on assets
21.2%
Age of the figures
8 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 24-07-2026, 7 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
7 d early
2024
14 d early
2023
5 d early
2022
30 d late
2021
31 d late
2020
32 d early
2019
96 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€95k▲ 38.1%
2024 · €69k
2018: €28k
2019: €44k
2020: €59k
2021: €84k
2022: €122k
2023: €113k
2024: €69k
2018 → 2025
Total assets
€130k▲ 0.8%
2024 · €129k
2018: €170k
2019: €166k
2020: €113k
2021: €111k
2022: €148k
2023: €135k
2024: €129k
2018 → 2025
Net result
€28k▼ 20.2%
2024 · €35k
2018: €30k
2019: €17k
2020: €15k
2021: €19k
2022: €38k
2023: €41k
2024: €35k
2018 → 2025
Working capital
€-12k▲ 73.1%
2024 · €-45k
2018: €-73k
2019: €-65k
2020: €-22k
2021: €-7k
2022: €12k
2023: €-4k
2024: €-45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€122k▲ 44.9%€113k▼ 7.7%€69k▼ 39.0%€95k▲ 38.1%
Operating result€28k-€22k▼ 20.7%€31k▲ 38.4%€26k▼ 18.0%€23k▼ 10.5%
Net result€19k-€38k▲ 104%€41k▲ 8.0%€35k▼ 15.1%€28k▼ 20.2%
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 has fallen two years in a row; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€107k▼ 6.1%
Current assets
€23k▲ 52.6%
Equity and liabilities €130k
Equity
€95k▲ 38.1%
Debt
€35k▼ 41.5%
The debt ratio falls from 46.9% to 27.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▼
2024 · €31k
Cash flow
€33k▼
2024 · €40k
Solvency
72.8%▲
2024 · 53.1%
Current ratio
0.66▲
2024 · 0.25
Quick ratio
0.57▲
2024 · 0.20
Debt / equity
0.37▼
2024 · 0.88
ROE
29.2%▼
2024 · 50.5%
ROA
21.2%▼
2024 · 26.8%
Interest coverage
151.66▼
2024 · 200.25
Debt
€35k▼
2024 · €61k
Debt ≤ 1 year
€35k▼
2024 · €61k
Income taxes
€14k▲
2024 · €10k
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€129k€130k▲
Fixed assets21/28€114k€107k▼
Tangible fixed assets22/27€45k€38k▼
Land and buildings22€13k€11k▼
Plant, machinery and equipment23€6k€8k▲
Furniture and vehicles24€11k€11k▼
Other tangible fixed assets26€15k€8k▼
Financial fixed assets28€69k€69k=
Current assets29/58€15k€23k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€9k-
Other amounts receivable41€9k-
Cash at bank and in hand54/58€2k€19k▲
Deferred charges and accrued income490/1€615€1k▲
Equity and liabilities
Total equity and liabilities10/49€129k€130k▲
Equity10/15€69k€95k▲
Contributions10/11€19k€19k=
Reserves13€50k€76k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€48k€74k▲
Amounts payable17/49€61k€35k▼
Amounts payable within one year42/48€61k€35k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€19k€16k▼
Taxes450/3€19k€16k▼
Other amounts payable47/48€37k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€7k
Gross operating margin9900€34k€38k▲
Operating profit (loss)9901€26k€23k▼
Financial income75/76B€19k€19k▲
Recurring financial income75€19k€19k▲
Financial charges65/66B€155€186▲
Recurring financial charges65€155€186▲
Non-recurring financial charges66B-€0
Profit (loss) for the period before taxes9903€45k€42k▼
Income taxes67/77€10k€14k▲
Profit (loss) for the period9904€35k€28k▼
Profit (loss) for the period to be appropriated9905€35k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€28k▼
Transfer from equity791/2€79k-
Transfer to equity691/2€35k€28k▼
To other reserves6921€35k€28k▼
Profit to be distributed694/7€79k-
Return on contributions (dividend)694€79k-
The notes to these accounts (8 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €41k ▲8%
Net result €41k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 1.46
Current ratio from 0.72 to 1.46; short-term debt falls from €26k to €26k.
31-12
Financial
Equity above €100kEq €122k ▲44.9%
5 profitable years in a row build equity to €122k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €15k ▼8.7%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 96 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hoogstraten · 1 establishment unit since 2017
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.
Lodewijk De Konincklaan 3042320 HoogstratenGround area
3,704 m²
Building footprint
353 m²
Volume, LiDAR
1,769 m³
2 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOZIE
since 20172.264.875.467
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11043C0170/00F000 | Flanders | 3,082 m² | 1 · 224 m² | 8.6 m · 2 fl. |
| 13014F0152/00B006 | Flanders | 622 m² | 1 · 129 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ANNE DELTOUR OPTIQUE
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Studio Baxton
BE 0542.909.394
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ARNOLD OPTIQUE
BE 0771.343.208
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WALLOPTIC
BE 1012.616.850
Manage · Eq €94k
Optiek Thys
BE 0458.164.553
Beveren-Kruibeke-Zwijndrecht · Eq €94k
Of 1,725 companies in sector 47742 we hold annual accounts for 1,136. 996 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2017
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
70200Business and other management consultancy
70220Business consulting
85510Sports and recreation education
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.