MINNE JOZEF
ActiveMINNE JOZEF has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €268k and a net result of €644. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 42% of 3941 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability1▲+1
Solvency32▲+6
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity short (current ratio 0.86 against 0.88 in 2023), and 75.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
30 d late
2022
4 d late
2021
29 d late
2020
30 d late
2019
26 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€268k▲ 0.2%
2023 · €268k
2018: €310k
2019: €269k
2020: €272k
2021: €232k
2022: €267k
2023: €268k
2018 → 2024
Total assets
€1.11M▼ 12.0%
2023 · €1.26M
2018: €1.12M
2019: €1.21M
2020: €1.17M
2021: €1.14M
2022: €1.13M
2023: €1.26M
2018 → 2024
Net result
€644▲ 234%
2023 · €193
2018: €59k
2019: €-41k
2020: €3k
2021: €-40k
2022: €35k
2023: €193
2018 → 2024
Working capital
€-73k▼ 8.1%
2023 · €-68k
2018: €34k
2019: €66k
2020: €71k
2021: €-9k
2022: €-38k
2023: €-68k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€272k-€232k▼ 14.6%€267k▲ 15.3%€268k▲ 0.1%€268k▲ 0.2%
Operating result€13k-€-28k€43k€7k▼ 83.9%€6k▼ 10.0%
Net result€3k-€-40k€35k€193▼ 99.5%€644▲ 234%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 10% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.11M
Fixed assets
€660k▼ 13.5%
Current assets
€448k▼ 9.6%
Equity and liabilities €1.11M
Equity
€268k▲ 0.2%
Debt
€839k▼ 15.3%
The debt ratio falls from 78.7% to 75.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€142k▲
2023 · €121k
Cash flow
€136k▲
2023 · €114k
Solvency
24.2%▲
2023 · 21.3%
Current ratio
0.86▼
2023 · 0.88
Quick ratio
0.27▼
2023 · 0.36
Debt / equity
3.13▼
2023 · 3.70
ROE
0.2%▲
2023 · 0.1%
ROA
0.1%▲
2023 · 0.0%
Interest coverage
23.24▲
2023 · 15.86
Debt
€839k▼
2023 · €991k
Debt ≤ 1 year
€521k▼
2023 · €564k
Debt > 1 year
€318k▼
2023 · €426k
Income taxes
€305▼
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.26M€1.11M▼
Fixed assets21/28€762k€660k▼
Tangible fixed assets22/27€762k€660k▼
Land and buildings22€333k€304k▼
Plant, machinery and equipment23€253k€227k▼
Furniture and vehicles24€177k€128k▼
Financial fixed assets28€20€20=
Current assets29/58€496k€448k▼
Stocks and contracts in progress3€293k€309k▲
Stocks30/36€293k€309k▲
Amounts receivable within one year40/41€73k€17k▼
Trade receivables40€52k€17k▼
Other amounts receivable41€22k-
Current investments50/53€23k€23k=
Cash at bank and in hand54/58€53k€40k▼
Deferred charges and accrued income490/1€53k€59k▲
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.11M▼
Equity10/15€268k€268k▲
Contributions10/11€479k€479k=
Reserves13€31k€31k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€-242k€-242k▲
Amounts payable17/49€991k€839k▼
Amounts payable after more than one year17€426k€318k▼
Financial debts170/4€426k€318k▼
Amounts payable within one year42/48€564k€521k▼
Current portion of amounts payable after more than one year42€93k€108k▲
Trade debts44€77k€27k▼
Suppliers440/4€77k€27k▼
Taxes, remuneration and social security45€8k€16k▲
Taxes450/3€8k€14k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€385k€370k▼
Accrued charges and deferred income492/3€935-
Income statement
Code20232024
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114k€136k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€15k-
Other operating charges640/8€3k€3k▲
Gross operating margin9900€141k€145k▲
Operating profit (loss)9901€7k€6k▼
Financial income75/76B€2k€829▼
Recurring financial income75€2k€829▼
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€1k€949▼
Income taxes67/77€1k€305▼
Profit (loss) for the period9904€193€644▲
Profit (loss) for the period to be appropriated9905€193€644▲
Appropriation of the result
Profit (loss) to be appropriated9906€-242k€-242k▲
Profit (loss) brought forward from the previous period14P€-242k€-242k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet €-41k ▼170%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Chapelle-lez-Herlaimont · 1 establishment unit since 1991
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.
Rue Clémenceau 427160 Chapelle-lez-HerlaimontGround area
2,394 m²
Building footprint
98 m²
Volume, LiDAR
825 m³
Parcel 52027A0718/00D000, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Clémenceau 42, 7160 Chapelle-lez-Herlaimont
since 19912.227.044.477
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52027A0718/00D000 | Wallonia | 2,394 m² | 1 · 98 m² | 10.1 m · 3 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 siteChapelle-lez-Herlaimont2.227.044.477
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Of 20,586 companies in sector 01500 we hold annual accounts for 1,144. 931 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-1991
Fiscal year end31-12
Activities, NACEBEL
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.