Le Josaphat
ActiveLe Josaphat has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.72M and a net result of €85k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-17
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 6.7 against 7.17 in 2024), and 12.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
87.8%
Return on assets
4.3%
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
26 d early
2023
23 d early
2022
28 d early
2021
34 d early
2020
33 d early
2019
26 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€2.55M
EBIT margin
9.2%
Net result
€85k▼ 37.6%
2024 · €136k
2018: €178k
2019: €271k
2020: €319k
2021: €219k
2022: €205k
2023: €207k
2024: €136k
2018 → 2025
Working capital
€1.36M▼ 3.9%
2024 · €1.42M
2018: €1.24M
2019: €326k
2020: €662k
2021: €884k
2022: €1.08M
2023: €1.29M
2024: €1.42M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.09M-€1.29M▲ 18.9%€1.50M▲ 16.0%€1.63M▲ 9.1%€1.72M▲ 5.2%
Operating result€310k-€301k▼ 2.9%€369k▲ 22.6%€238k▼ 35.5%€149k▼ 37.4%
Net result€219k-€205k▼ 6.2%€207k▲ 0.6%€136k▼ 34.3%€85k▼ 37.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 37% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.96M
Fixed assets
€357k▲ 64.4%
Current assets
€1.60M▼ 2.8%
Equity and liabilities €1.96M
Equity
€1.72M▲ 5.2%
Debt
€239k▲ 4.2%
The debt ratio falls from 12.3% to 12.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€187k▼
2024 · €263k
Cash flow
€123k▼
2024 · €161k
Solvency
87.8%▲
2024 · 87.7%
Current ratio
6.70▼
2024 · 7.17
Quick ratio
6.57▼
2024 · 7.06
Debt / equity
0.14▼
2024 · 0.14
ROE
4.9%▼
2024 · 8.3%
ROA
4.3%▼
2024 · 7.3%
Interest coverage
24.71▲
2024 · 18.44
Debt
€239k▲
2024 · €230k
Debt ≤ 1 year
€239k▲
2024 · €230k
Income taxes
€57k▼
2024 · €89k
Staff costs
€274k▼
2024 · €285k
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€1.86M€1.96M▲
Fixed assets21/28€217k€357k▲
Tangible fixed assets22/27€205k€351k▲
Land and buildings22€143k€137k▼
Plant, machinery and equipment23€1k-
Furniture and vehicles24€30k€16k▼
Other tangible fixed assets26€32k€198k▲
Financial fixed assets28€11k€6k▼
Current assets29/58€1.65M€1.60M▼
Stocks and contracts in progress3€27k€30k▲
Stocks30/36€27k€30k▲
Amounts receivable within one year40/41€103k€73k▼
Trade receivables40€23k-
Other amounts receivable41€80k€73k▼
Cash at bank and in hand54/58€1.51M€1.50M▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€1.86M€1.96M▲
Equity10/15€1.63M€1.72M▲
Contributions10/11€19k€19k=
Reserves13€313k€313k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€12k€12k=
Distributable reserves133€299k€299k=
Profit (loss) carried forward14€1.30M€1.39M▲
Amounts payable17/49€230k€239k▲
Amounts payable within one year42/48€230k€239k▲
Financial debts43€6k€6k=
Credit institutions430/8€6k€6k=
Trade debts44€148k€167k▲
Suppliers440/4€148k€167k▲
Taxes, remuneration and social security45€67k€55k▼
Taxes450/3€22k€4k▼
Remuneration and social security454/9€45k€51k▲
Other amounts payable47/48€8k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€285k€274k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€38k▲
Other operating charges640/8€26k€26k▲
Gross operating margin9900€574k€488k▼
Operating profit (loss)9901€238k€149k▼
Financial income75/76B€762€256▼
Recurring financial income75€762€256▼
Financial charges65/66B€14k€8k▼
Recurring financial charges65€14k€8k▼
Non-recurring financial charges66B€63-
Profit (loss) for the period before taxes9903€224k€142k▼
Income taxes67/77€89k€57k▼
Profit (loss) for the period9904€136k€85k▼
Profit (loss) for the period to be appropriated9905€136k€85k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.30M€1.39M▲
Profit (loss) brought forward from the previous period14P€1.17M€1.30M▲
Shareholders' contribution to the loss794-€2
Social balance
Average headcount (FTE)90877.57.0▼
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €85k ▼37.6%
Net result drops to €85k, the lowest in the series.
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €1MEq €1.09M ▲25.2%
4 profitable years in a row build equity to €1.09M.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €319k ▲17.7%
Net result €319k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 3.83
Current ratio from 1.23 to 3.83; short-term debt falls from €1.40M to €234k.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 1987
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.
Waterlose Steenweg 351-3531060 Sint-Gillis (bij-Brussel)Ground area
602 m²
Building footprint
600 m²
Volume, LiDAR
4,862 m³
Parcel 21013B0370/00K010, Brussels · tallest building 19.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
.
since 19872.023.201.452
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0370/00K010 | Brussels | 602 m² | 1 · 600 m² | 19.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis2.023.201.452
Similar companies · same sector, comparable size
HEMANI
BE 0451.936.262
Maasmechelen · Eq €1.72M
JMPL
BE 0432.077.788
Ingelmunster · Eq €1.71M
Izock
BE 0426.190.284
Grimbergen · Eq €1.71M
SOFABEL
BE 0456.918.993
Anderlecht · Eq €1.71M
Superkamp
BE 0785.524.608
Kampenhout · Eq €1.71M
Of 10,412 companies in sector 47110 we hold annual accounts for 5,786. 1,636 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-1981
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47114Supermarkets
52112
52114
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.