MARC JOOSTENS
ActiveMARC JOOSTENS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.58M and a net result of €531k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 3263 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity ample (current ratio 6.18 against 5.08 in 2024; short-term debt: 13.3% and cash: 60.2% of total assets), and 16.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
83.4%
Return on assets
17.2%
Age of the figures
16 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 17-12-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
6 d late
2023
2 d late
2022
8 d early
2021
31 d late
2020
4 d late
2019
13 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close17-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.58M▲ 15.5%
2024 · €2.23M
2019: €1.11M
2020: €1.30M
2021: €1.49M
2022: €1.62M
2023: €1.85M
2024: €2.23M
2019 → 2025
Total assets
€3.09M▲ 10.9%
2024 · €2.79M
2019: €1.79M
2020: €1.93M
2021: €2.42M
2022: €2.28M
2023: €2.43M
2024: €2.79M
2019 → 2025
Net result
€531k▲ 5.0%
2024 · €506k
2019: €129k
2020: €187k
2021: €420k
2022: €272k
2023: €427k
2024: €506k
2019 → 2025
Working capital
€2.13M▲ 31.3%
2024 · €1.62M
2019: €799k
2020: €973k
2021: €1.11M
2022: €1.21M
2023: €1.31M
2024: €1.62M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.49M-€1.62M▲ 8.1%€1.85M▲ 14.7%€2.23M▲ 20.3%€2.58M▲ 15.5%
Operating result€590k-€357k▼ 39.5%€597k▲ 67.1%€690k▲ 15.6%€747k▲ 8.3%
Net result€420k-€272k▼ 35.4%€427k▲ 57.3%€506k▲ 18.5%€531k▲ 5.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.09M
Fixed assets
€549k▼ 28.5%
Current assets
€2.54M▲ 25.9%
Equity and liabilities €3.09M
Equity
€2.58M▲ 15.5%
Debt
€513k▼ 7.5%
The debt ratio falls from 19.9% to 16.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€802k▲
2024 · €755k
Cash flow
€586k▲
2024 · €571k
Solvency
83.4%▲
2024 · 80.1%
Current ratio
6.18▲
2024 · 5.08
Quick ratio
6.18▲
2024 · 5.08
Debt / equity
0.20▼
2024 · 0.25
ROE
20.6%▼
2024 · 22.7%
ROA
17.2%▼
2024 · 18.2%
Interest coverage
87.42▲
2024 · 57.38
Debt
€513k▼
2024 · €555k
Debt ≤ 1 year
€411k▲
2024 · €397k
Debt > 1 year
€102k▼
2024 · €140k
Income taxes
€272k▲
2024 · €244k
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€2.79M€3.09M▲
Fixed assets21/28€768k€549k▼
Tangible fixed assets22/27€766k€546k▼
Land and buildings22€613k€380k▼
Plant, machinery and equipment23€345€3k▲
Furniture and vehicles24€133k€123k▼
Other tangible fixed assets26€19k€40k▲
Financial fixed assets28€2k€2k=
Current assets29/58€2.02M€2.54M▲
Amounts receivable after more than one year29€532k€532k=
Other amounts receivable291€532k€532k=
Amounts receivable within one year40/41€58k€107k▲
Trade receivables40-€908
Other amounts receivable41€58k€107k▲
Cash at bank and in hand54/58€1.40M€1.86M▲
Deferred charges and accrued income490/1€32k€41k▲
Equity and liabilities
Total equity and liabilities10/49€2.79M€3.09M▲
Equity10/15€2.23M€2.58M▲
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€1.81M€2.15M▲
Distributable reserves133€1.81M€2.15M▲
Profit (loss) carried forward14€409k€410k▲
Amounts payable17/49€555k€513k▼
Amounts payable after more than one year17€140k€102k▼
Financial debts170/4€140k€102k▼
Amounts payable within one year42/48€397k€411k▲
Current portion of amounts payable after more than one year42€37k€40k▲
Financial debts43€94k€65k▼
Credit institutions430/8€94k€65k▼
Trade debts44€26k€42k▲
Suppliers440/4€26k€42k▲
Taxes, remuneration and social security45€111k€77k▼
Taxes450/3€111k€77k▼
Other amounts payable47/48€129k€187k▲
Accrued charges and deferred income492/3€18k-
Income statement
Code20242025
Non-recurring operating income76A€2k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€55k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€762k€809k▲
Operating profit (loss)9901€690k€747k▲
Financial income75/76B€74k€66k▼
Recurring financial income75€74k€66k▼
Financial charges65/66B€13k€9k▼
Recurring financial charges65€13k€9k▼
Profit (loss) for the period before taxes9903€750k€804k▲
Income taxes67/77€244k€272k▲
Profit (loss) for the period9904€506k€531k▲
Profit (loss) for the period to be appropriated9905€506k€531k▲
Appropriation of the result
Profit (loss) to be appropriated9906€914k€940k▲
Profit (loss) brought forward from the previous period14P€408k€409k▲
Transfer from equity791/2€129k€187k▲
Transfer to equity691/2€505k€530k▲
To other reserves6921€505k€530k▲
Profit to be distributed694/7€129k€187k▲
Return on contributions (dividend)694€129k€187k▲
The notes to these accounts (10 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
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-05
Financial
Highest result since 2019net €531k ▲5%
Operating result €747k, net result €531k, both a record.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
31-05
Financial
Equity above €2MEq €2.23M ▲20.3%
6 profitable years in a row build equity to €2.23M.
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 2 days late
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 15 days late
2018
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
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, Opwijk
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.
Nanovestraat 1241745 OpwijkGround area
1,329 m²
Building footprint
189 m²
Volume, LiDAR
1,380 m³
Parcel 23060B0621/00C000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23060B0621/00C000 | Flanders | 1,329 m² | 1 · 189 m² | 10.1 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 2,265 companies in sector 69209 we hold annual accounts for 1,096. 404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2008
Fiscal year end31-05
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.