JustCob
ActiveSummary
JustCob has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€386,120) and a net result of -€43,269. Equity is shrinking by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 6% of 687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.13 against 0.11 in 2024; short-term debt: 430.6% and cash: 39.7% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
-330.6%
Return on assets
-37%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Publishing activities (NACE 58)
about 30% fewer bankruptcies
← 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€386,120
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
49 d early
2023
54 d early
2022
59 d early
2021
54 d early
2020
50 d early
2019
56 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 47 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 37% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€386,120▼ 12.6%
2024 · -€342,851
Total assets
€116,793▲ 5.4%
2024 · €110,833
Net result
-€43,269▲ 10.4%
2024 · -€48,312
Working capital
-€435,074▼ 7.7%
2024 · -€403,937
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 58, Publishing activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€103,662▲ 134%€8,419▼ 91.9%-€5,759-€49,332▼ 757%-€42,934▲ 13.0%
Net result-€195,768below the sector's middle half€7,525within the sector's middle half-€5,974below the sector's middle half-€48,312below the sector's middle half▼ 709%-€43,269below the sector's middle half▲ 10.4%
Equity-€296,090below the sector's middle half▼ 195%-€288,565below the sector's middle half▲ 2.5%-€294,539below the sector's middle half▼ 2.1%-€342,851below the sector's middle half▼ 16.4%-€386,120below the sector's middle half▼ 12.6%
Total assets€178,255within the sector's middle half▼ 63.2%€187,276within the sector's middle half▲ 5.1%€121,508within the sector's middle half▼ 35.1%€110,833within the sector's middle half▼ 8.8%€116,793within the sector's middle half▲ 5.4%
Debt€474,345▼ 18.8%€475,841▲ 0.3%€416,047▼ 12.6%€453,684▲ 9.0%€502,913▲ 10.9%
Working capital-€461,304below the sector's middle half▲ 16.2%-€327,952below the sector's middle half▲ 28.9%-€369,354below the sector's middle half▼ 12.6%-€403,937below the sector's middle half▼ 9.4%-€435,074below the sector's middle half▼ 7.7%
Solvency-166.1%below the sector's middle half▼ 145.4pp-154.1%below the sector's middle half▲ 12.0pp-242.4%below the sector's middle half▼ 88.3pp-309.3%below the sector's middle half▼ 66.9pp-330.6%below the sector's middle half▼ 21.3pp
Current ratio0.03below the sector's middle half▼ 0.030.31below the sector's middle half▲ 0.280.11below the sector's middle half▼ 0.200.11below the sector's middle half=0.13below the sector's middle half▲ 0.03
Return on assets (ROA)-109.8%below the sector's middle half▼ 118.9pp4.0%within the sector's middle half▲ 113.8pp-4.9%within the sector's middle half▼ 8.9pp-43.6%below the sector's middle half▼ 38.7pp-37.0%below the sector's middle half▲ 6.5pp
Staff (FTE)0.8▲ 60.0%1▲ 25.0%1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 58, Publishing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €42,934 in 2025 against €49,332 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116,793
Fixed assets
€48,954 ▼ 19.9%
Current assets
€67,839 ▲ 36.4%
Key figures and ratios
EBITDA
-€29,186▲
2024 · -€35,604
Cash flow
-€29,521▲
2024 · -€34,583
Debt to equity
-1.30▲
2024 · -1.32
Interest coverage
-195.82▲
2024 · -261.95
Debt ≤ 1 year
€502,913▲
2024 · €453,684
Income taxes
€189▲
2024 · €182
Staff costs
€65,616▲
2024 · €59,833
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,940 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.0%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,940 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €39,504 | €54,031 | €59,282 | €59,833 | €65,616 | ▲ 9.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,540 | €5,369 | €13,776 | €13,728 | €13,748 | ▲ 0.1% |
| Other operating charges640/8 | €2,129 | €534 | €581 | €603 | €619 | ▲ 2.7% |
| Gross operating margin9900 | €148,835 | €68,352 | €67,881 | €24,832 | €37,049 | ▲ 49.2% |
| Operating profit (loss)9901 | €103,662 | €8,419 | -€5,759 | -€49,332 | -€42,934 | ▲ 13.0% |
| Financial income75/76B | €692 | €100 | €15 | €1,338 | €3 | ▼ 99.8% |
| Recurring financial income75 | €692 | €100 | €15 | €1,338 | €3 | ▼ 99.8% |
| Financial charges65/66B | €300,122 | €994 | €229 | €136 | €149 | ▲ 9.7% |
| Recurring financial charges65 | €128 | €994 | €229 | €136 | €149 | ▲ 9.7% |
| Non-recurring financial charges66B | €299,994 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€195,768 | €7,525 | -€5,974 | -€48,130 | -€43,080 | ▲ 10.5% |
| Income taxes67/77 | - | - | - | €182 | €189 | ▲ 4.3% |
| Profit (loss) for the period9904 | -€195,768 | €7,525 | -€5,974 | -€48,312 | -€43,269 | ▲ 10.4% |
| Profit (loss) for the period to be appropriated9905 | -€195,768 | €7,525 | -€5,974 | -€48,312 | -€43,269 | ▲ 10.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €178,255 | €187,276 | €121,508 | €110,833 | €116,793 | ▲ 5.4% |
| Fixed assets21/28 | €165,214 | €39,386 | €74,814 | €61,086 | €48,954 | ▼ 19.9% |
| Tangible fixed assets22/27 | €41,625 | €39,386 | €74,814 | €61,086 | €48,954 | ▼ 19.9% |
| Plant, machinery and equipment23 | - | €1,737 | €1,120 | €504 | - | - |
| Furniture and vehicles24 | €1,367 | €2,229 | €43,113 | €34,840 | €28,051 | ▼ 19.5% |
| Other tangible fixed assets26 | €40,258 | €35,419 | €30,581 | €25,742 | €20,903 | ▼ 18.8% |
| Financial fixed assets28 | €123,589 | - | - | - | - | - |
| Current assets29/58 | €13,042 | €147,890 | €46,694 | €49,747 | €67,839 | ▲ 36.4% |
| Amounts receivable within one year40/41 | €400 | €12,576 | €10,689 | €11,862 | €19,610 | ▲ 65.3% |
| Trade receivables40 | €400 | €1,887 | - | €1,173 | - | - |
| Other amounts receivable41 | - | €10,689 | €10,689 | €10,689 | €19,610 | ▲ 83.5% |
| Cash at bank and in hand54/58 | €12,522 | €135,051 | €35,687 | €36,954 | €46,406 | ▲ 25.6% |
| Deferred charges and accrued income490/1 | €120 | €262 | €318 | €931 | €1,822 | ▲ 95.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €178,255 | €187,276 | €121,508 | €110,833 | €116,793 | ▲ 5.4% |
| Equity10/15 | -€296,090 | -€288,565 | -€294,539 | -€342,851 | -€386,120 | ▼ 12.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €17,140 | €17,140 | €17,140 | €17,140 | €17,140 | = |
| Profit (loss) carried forward14 | -€333,690 | -€326,165 | -€332,139 | -€380,451 | -€423,720 | ▼ 11.4% |
| Amounts payable17/49 | €474,345 | €475,841 | €416,047 | €453,684 | €502,913 | ▲ 10.9% |
| Amounts payable within one year42/48 | €474,345 | €475,841 | €416,047 | €453,684 | €502,913 | ▲ 10.9% |
| Trade debts44 | €3,927 | €27,160 | €4,096 | €941 | €2,953 | ▲ 214% |
| Suppliers440/4 | €3,927 | €27,160 | €4,096 | €941 | €2,953 | ▲ 214% |
| Advances received on contracts in progress46 | €21,569 | €21,824 | €21,036 | €15,082 | €17,390 | ▲ 15.3% |
| Taxes, remuneration and social security45 | €6,655 | €8,059 | €9,554 | €10,211 | €11,770 | ▲ 15.3% |
| Taxes450/3 | €1,944 | €1,586 | €2,364 | €2,914 | €3,835 | ▲ 31.6% |
| Remuneration and social security454/9 | €4,711 | €6,473 | €7,190 | €7,297 | €7,936 | ▲ 8.8% |
| Other amounts payable47/48 | €442,194 | €418,798 | €381,361 | €427,450 | €470,800 | ▲ 10.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€195,768 | €7,525 | -€5,974 | -€48,312 | -€43,269 | ▲ 10.4% |
| + Depreciation and write-downs630 | €3,540 | €5,369 | €13,776 | €13,728 | €13,748 | ▲ 0.1% |
| Operating cash flow (approximation) | -€192,228 | €12,893 | €7,803 | -€34,583 | -€29,521 | ▲ 14.6% |
| Investment in fixed assets (approximation) | - | €120,459 | -€49,204 | €0 | -€1,616 | - |
| Change in cash | - | €122,529 | -€99,365 | €1,268 | €9,452 | ▲ 646% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7,525
Net result €7,525 after one loss-making year.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€195,768
Net result drops to -€195,768, the lowest in the series; recovery starts the following year.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €43,746 ▲235%
Net result €43,746, the highest in the series.
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €13,068
Net result €13,068 after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Gent · 1 establishment unit since 2009
Ground area
192 m²
Building footprint
141 m²
Volume, LiDAR
2,019 m³
Parcel 44815F0995/02P000, Flanders · tallest building 16.1 m, ±5 floors. Linked by address, not a title deed.
18
companies at this address
See who is registered here
1 establishment unit
JustCob
since 20092.179.815.969
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F0995/02P000 | Flanders | 192 m² | 1 · 141 m² | 16.1 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
99.67%
According to the 2025 annual accounts of JustCob and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,289 companies in sector 58290 we hold annual accounts for 594. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
58290Other software publishing
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
64210Activities of holding companies
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0812392222
Also
9925:BE0812392222
Registered
18-06-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.