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Generated 08-08-2026
Active BE 0798.937.035Private limited company

JOZO-Delicious

Leonie Rammeloostraat 7 ·9041 Gent, Belgium· 3 yrs active
Sector: Food & beverage service (56112)
Conclusion Checked

The computed 12-month bankruptcy probability of JOZO-Delicious is 5.3% (elevated). The 2025 annual accounts show equity of €17k and a net result of €56k. Its solvency ranks better than 20% of 155 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €17k
Net result €56k
Staff (FTE) 6.7
Better than sector 20%
Snowflake analysis 5 axes · computed by Checked
Health51Profitability100Solvency4Growth78Stability94
65 / 100

Strong profile, led by profitability.

Health 51
Profitability 100
Solvency 4
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
5.3% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
51 / 100 Fair
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 13-01-2026 with the NBB · fiscal year 2025 · verkort
€-200k€-100k€0€100kOperating result 2024: €-95k€-95kNet result 2024: €-139k€-139kOperating result 2025: €80k€80kNet result 2025: €56k€56k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 56, Food & beverage service · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 3.1% 32.6%
better than 20% of 155 sector peers
Net result €56k €19k
better than 68% of 155 sector peers
Equity €17k €105k
better than 27% of 155 sector peers
Gross operating margin €417k €321k
better than 59% of 154 sector peers
Staff costs €269k €235k
higher than 52% of 128 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€144k
- +63% vs sector
Net profit
€56k
- +35% vs sector
Cash flow
€120k
- +35% vs sector
Total assets
€562k
-9.0% +41% vs sector
Equity
€17k
- -92% vs sector
Working capital
€-103k
+31.0% far below sector median
Employees (FTE)
7
+36.7% -15% vs sector
Staff costs
€269k
-22.0% -8% vs sector
Income taxes
€181
-23.2% -95% vs sector
Debt
€544k
-17.0% +194% vs sector
Debt ≤ 1y
€264k
-12.7% +108% vs sector
Debt > 1y
€280k
-20.7% far above sector median
Current ratio
0.61
+20.6% -74% vs sector
Quick ratio
0.33
+17.2% -85% vs sector
Solvency
3.1%
- -94% vs sector
Debt / equity
31.22
- far above sector median
ROE
321.5%
-10.5% far above sector median
ROA
10.0%
- +1% vs sector
Interest coverage
6.01
- -97% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€144k
Net profit€56k
Cash flow€120k
Staff costs€269k
Income taxes€181
Dividends-
Total assets€562k
Equity€17k
Debt€544k
of which ≤ 1y€264k
of which > 1y€280k
Working capital€-103k
Employees (FTE)6.7
Ratios (computed)
2025
Current ratio0.61
Quick ratio0.33
Working capital ratio-18.4%
Solvency3.1%
Debt / equity31.22
Long-term debt ratio16.04
Interest coverage6.01
Gross margin-
Net margin-
ROA10.0%
ROE321.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€562k
Fixed assets 21/28€401k
Intangible fixed assets 21€22k
Tangible fixed assets 22/27€379k
Financial fixed assets 28€25
Current assets 29/58€160k
Stocks & contracts in progress 3€73k
Amounts receivable within one year 40/41€3k
Cash & bank 54/58€77k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€562k
Equity 10/15€17k
Contributions / capital 10/11€100k
Accumulated profits (losses) 14€-83k
Amounts payable 17/49€544k
Amounts payable after one year 17€280k
Amounts payable within one year 42/48€264k
Trade debts payable within one year 44€113k
Income statement
Gross operating margin 9900€417k
Operating result 9901€80k
Financial income 75€148
Financial charges 65€24k
Result before taxes 9903€56k
Income taxes 67/77€181
Net result for the period 9904€56k
Result to be appropriated 9905€56k
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Ratios computed by Checked.
Legal Structure
NACE primary Food & beverage service(56112)
Legal form Private limited company(610)
Incorporation28-02-2023
StatusActive
Postal code9041
Establishment units 2 locations
Delitraiteur
Antwerpse Steenweg 80, 9080 LochristiDetailhandel in groenten en fruit
since 20232.342.181.497
Leonie Rammeloostraat 7, 9041 Gent
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
since 20262.383.160.930
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44034D0822/00G003 Flanders 1,378 m² 1 · 352 m² 8.4 m
44051B1175/00Y002 Flanders 358 m² 1 · 103 m² 6.6 m · 2 fl.
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.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
27-01-2026
State Gazette act Miscellaneous
Material correction · Stefanie Mikolajczak
13-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
31-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2023
02-03-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 6 months ago
2026
27-01-2026 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Stefanie Mikolajczak
Summary: Material correctionNotary: Stefanie Mikolajczak · Destelbergen
Technical details 
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  "notary": {
    "name": "Stefanie Mikolajczak",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Destelbergen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2026-01-27",
    "filing_date": "2026-01-19",
    "act_kind_objet": "Rechtzetting publicatie10"
  },
  "key_dates": [
    {
      "date": "2026-01-27",
      "label": "Publicatie datum"
    },
    {
      "date": "2023-02-27",
      "label": "Akte datum"
    },
    {
      "date": "2023-03-02",
      "label": "Publicatie datum"
    }
  ],
  "key_parties": [
    {
      "kind": "person",
      "name": "Stefanie Mikolajczak",
      "role": "Notaris"
    }
  ],
  "key_amounts_eur": [
    {
      "label": "Prijs per aandeel",
      "amount": 1000.0
    },
    {
      "label": "Totaal aanvangsvermogen",
      "amount": 100000.0
    }
  ],
  "subject_company": {
    "kbo": "0798.937.035",
    "name_full": "JOZO-Delicious",
    "legal_form": "Besloten vennootschap"
  },
  "publication_proxy": {
    "kind": null
  },
  "summary_narrative": "",
  "co_filed_documents": [],
  "detected_real_type": "material_correction"
}
2023
02-03-2023 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "9041 Oostakker, Leonie Rammeloostraat 7",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1967-01-26",
        "name": "Axel Maurice Gustave Sagon",
        "niss": null,
        "address": "9041 Gent (Oostakker), Leonie Rammeloostraat 7"
      },
      "share_class": "Aandelen",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 50000,
      "holder_person_name": "Axel Maurice Gustave Sagon",
      "is_subscriber_only": false,
      "n_shares_subscribed": 500,
      "amount_subscribed_eur": 50000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1963-01-31",
        "name": "Micheline Monique Louise Ruttens",
        "niss": null,
        "address": "9041 Gent (Oostakker), Leonie Rammeloostraat 7"
      },
      "share_class": "Aandelen",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 50000,
      "holder_person_name": "Micheline Monique Louise Ruttens",
      "is_subscriber_only": false,
      "n_shares_subscribed": 500,
      "amount_subscribed_eur": 50000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 100000,
  "subject_company": {
    "kbo": "0798.937.035",
    "name_full": "JOZO-Delicious",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2023-02-27",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)47112Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299Cafés en bars56301Cafés en bars56301
Primary activity highlighted.
Names & trade names
Legal nameNL JOZO-Delicious
Registered office
Leonie Rammeloostraat 7
9041 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative