Just et Oli
ActiveSummary
Just et Oli has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-6k) and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 1046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-20
Solvency20▲+12
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.85 against 0.9 in 2024; short-term debt: 93.4% and cash: 39% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-5.5%
Return on assets
8.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 1046 sector peers (2025).
NBB · sector comparisonPosition among 1046 sector peers
Solvency
better than 21%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
22 d early
2024
29 d late
2023
27 d late
2022
6 d early
2021
29 d late
2020
31 d late
2019
77 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▼ 59.4%
2024 · €23k
2018: €10k
2019: €-25k
2020: €-7k
2021: €3k
2022: €-25k
2023: €-4k
2024: €23k
2018 → 2025
Working capital
€-15k▼ 75.7%
2024 · €-8k
2018: €28k
2019: €758
2020: €795
2021: €4k
2022: €-23k
2023: €-29k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-10k-€-34k▼ 258%€-38k▼ 10.3%€-15k▲ 60.2%€-6k▲ 61.4%
Operating result€8k-€-21k€18k€29k▲ 55.1%€12k▼ 57.2%
Net result€3k-€-25k€-4k▲ 85.7%€23k€9k▼ 59.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€22k ▲ 45.2%
Current assets
€85k ▲ 14.1%
Key figures and ratios
EBITDA
€25k▼
2024 · €38k
Cash flow
€22k▼
2024 · €33k
Solvency
-5.5%▲
2024 · -16.9%
Current ratio
0.85▼
2024 · 0.90
Quick ratio
0.66▲
2024 · 0.65
Debt to equity
-19.27▼
2024 · -6.91
ROA
8.7%▼
2024 · 25.6%
Interest coverage
7.82▲
2024 · 6.68
Debt
€112k▲
2024 · €104k
Debt ≤ 1 year
€99k▲
2024 · €83k
Debt > 1 year
€13k▼
2024 · €21k
Income taxes
€400▼
2024 · €404
Staff costs
€230k▲
2024 · €189k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€89k€107k▲
Fixed assets21/28€15k€22k▲
Intangible fixed assets21€2k€250▼
Tangible fixed assets22/27€13k€16k▲
Furniture and vehicles24€9k€15k▲
Other tangible fixed assets26€4k€939▼
Financial fixed assets28€261€5k▲
Current assets29/58€74k€85k▲
Stocks and contracts in progress3€21k€19k▼
Stocks30/36€21k€19k▼
Amounts receivable within one year40/41€24k€23k▼
Trade receivables40€15k€11k▼
Other amounts receivable41€9k€12k▲
Cash at bank and in hand54/58€28k€42k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€89k€107k▲
Equity10/15€-15k€-6k▲
Contributions10/11€7k€7k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-24k€-15k▲
Amounts payable17/49€104k€112k▲
Amounts payable after more than one year17€21k€13k▼
Financial debts170/4€21k€13k▼
Amounts payable within one year42/48€83k€99k▲
Current portion of amounts payable after more than one year42€11k€18k▲
Financial debts43€4k€4k▼
Credit institutions430/8€4k€4k▼
Trade debts44€23k€20k▼
Suppliers440/4€23k€20k▼
Taxes, remuneration and social security45€44k€58k▲
Taxes450/3€20k€21k▲
Remuneration and social security454/9€24k€37k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€667€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€189k€230k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€13k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€229k€258k▲
Operating profit (loss)9901€29k€12k▼
Financial income75/76B€546€678▲
Recurring financial income75€546€678▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€23k€10k▼
Income taxes67/77€404€400▼
Profit (loss) for the period9904€23k€9k▼
Profit (loss) for the period to be appropriated9905€23k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-15k▲
Profit (loss) brought forward from the previous period14P€-47k€-24k▲
Social balance
Average headcount (FTE)90875.46.2▲
The notes to these accounts (23 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 77 days late
2019
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Fosses-la-Ville · 1 establishment unit since 2016
Ground area
5.9 ha
Building footprint
737 m²
Volume, LiDAR
5,396 m³
Parcel 92048D0274/00P000, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Just et Oli
since 20162.251.144.722
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92048D0274/00P000 | Wallonia | 5.9 ha | 1 · 737 m² | 9.5 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 21,742 companies in sector 96210 we hold annual accounts for 2,830. 2,368 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
46150Agents in the wholesale of furniture, household goods and hardware
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.