MYJOJO
ActiveSummary
MYJOJO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €467,183 and a net result of -€97,873. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 70% of 1056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability2▼-4
Solvency89▼-9
Growth35=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 4.4 against 7.33 in 2024; short-term debt: 22.2% and cash: 8.2% of total assets), and 36.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€97,873
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 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
30 d early
2023
27 d early
2022
34 d early
2021
37 d early
2020
8 d early
2019
84 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 33 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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. Usually files around 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Turnover
€121,713▼ 27.3%
2023 · €167,476
EBIT margin
-60.1%▼ 46.9pp
2023 · -13.2%
Net result
-€97,873▼ 48.2%
2024 · -€66,037
Working capital
€553,909▼ 16.9%
2024 · €666,408
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, 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
Turnover€359,172▲ 57.6%€178,768▼ 50.2%€167,476▼ 6.3%€121,713▼ 27.3%
Operating result€126,997▲ 223%-€23,199-€22,075▲ 4.8%-€73,136▼ 231%-€117,135▼ 60.2%
Net result€93,477above the sector's middle half▲ 223%-€23,383below the sector's middle half-€23,352below the sector's middle half▲ 0.1%-€66,037below the sector's middle half▼ 183%-€97,873below the sector's middle half▼ 48.2%
EBIT margin35.4%▲ 18.1pp-13.0%▼ 48.3pp-13.2%▼ 0.2pp-60.1%▼ 46.9pp
Equity€359,382above the sector's middle half▲ 35.2%€335,999above the sector's middle half▼ 6.5%€312,647above the sector's middle half▼ 7.0%€590,056above the sector's middle half▲ 88.7%€467,183within the sector's middle half▼ 20.8%
Total assets€544,428above the sector's middle half▼ 11.2%€495,737above the sector's middle half▼ 8.9%€448,990above the sector's middle half▼ 9.4%€806,733above the sector's middle half▲ 79.7%€733,017within the sector's middle half▼ 9.1%
Debt€185,046▼ 46.7%€159,738▼ 13.7%€136,343▼ 14.6%€107,919▼ 20.8%€162,800▲ 50.9%
Working capital-€70,683below the sector's middle half▲ 25.7%-€84,954below the sector's middle half▼ 20.2%-€99,763below the sector's middle half▼ 17.4%€666,408above the sector's middle half€553,909above the sector's middle half▼ 16.9%
Solvency66.0%above the sector's middle half▲ 22.6pp67.8%above the sector's middle half▲ 1.8pp69.6%above the sector's middle half▲ 1.9pp73.1%above the sector's middle half▲ 3.5pp63.7%within the sector's middle half▼ 9.4pp
Current ratio0.41below the sector's middle half▼ 0.270.27below the sector's middle half▼ 0.140.12below the sector's middle half▼ 0.147.33above the sector's middle half▲ 7.204.40above the sector's middle half▼ 2.92
Return on assets (ROA)17.2%above the sector's middle half▲ 12.4pp-4.7%below the sector's middle half▼ 21.9pp-5.2%below the sector's middle half▼ 0.5pp-8.2%below the sector's middle half▼ 3.0pp-13.4%below the sector's middle half▼ 5.2pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2022 Turnover -50% on 2021. The previous fiscal year ran 13 months, this one 12.
- 2021 Turnover +58% on 2020. This fiscal year ran 13 months, the previous one 12.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €117,135 in 2025 against €73,136 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €733,017
Fixed assets
€16,308 ▼ 53.4%
Current assets
€716,709 ▼ 7.1%
Equity and liabilities €733,017
Equity
€467,183 ▼ 20.8%
Provisions
€103,034 ▼ 5.3%
Debt
€162,800 ▲ 50.9%
Debt's share of the balance-sheet total rises from 13.4% to 22.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€98,441▼
2024 · -€54,211
Cash flow
-€79,179▼
2024 · -€47,112
Debt to equity
0.35▲
2024 · 0.18
ROE
-20.9%▼
2024 · -11.2%
Interest coverage
-22.77▲
2024 · -63.63
Debt ≤ 1 year
€162,800▲
2024 · €105,323
Income taxes
€284▲
2024 · €267
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 928 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 90% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.1%
went bankrupt
8.7%
stopped otherwise
90%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
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 928 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €359,172 | €178,768 | €167,476 | €121,713 | - | - |
| Non-recurring operating income76A | €2,610 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €185,738 | €160,213 | €147,908 | €163,420 | - | - |
| Remuneration, social security and pensions62 | €1,081 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,985 | €30,762 | €29,782 | €18,925 | €18,694 | ▼ 1.2% |
| Other operating charges640/8 | €11,981 | €10,992 | €11,861 | €12,504 | €1,694 | ▼ 86.5% |
| Gross operating margin9900 | €176,044 | €18,555 | €19,568 | -€41,707 | -€96,747 | ▼ 132% |
| Operating profit (loss)9901 | €126,997 | -€23,199 | -€22,075 | -€73,136 | -€117,135 | ▼ 60.2% |
| Financial income75/76B | - | €1,348 | - | €2,494 | €18,146 | ▲ 628% |
| Recurring financial income75 | - | €1,348 | - | €2,494 | €18,146 | ▲ 628% |
| Financial charges65/66B | €1,954 | €1,290 | €1,002 | €852 | €4,324 | ▲ 408% |
| Recurring financial charges65 | €1,954 | €1,290 | €1,002 | €852 | €4,324 | ▲ 408% |
| Profit (loss) for the period before taxes9903 | €125,043 | -€23,141 | -€23,077 | -€71,494 | -€103,313 | ▼ 44.5% |
| Transfer from deferred taxes780 | - | - | - | €5,724 | €5,724 | = |
| Income taxes67/77 | €31,566 | €242 | €275 | €267 | €284 | ▲ 6.4% |
| Profit (loss) for the period9904 | €93,477 | -€23,383 | -€23,352 | -€66,037 | -€97,873 | ▼ 48.2% |
| Transfer from tax-exempt reserves789 | - | - | - | €17,172 | €17,412 | ▲ 1.4% |
| Profit (loss) for the period to be appropriated9905 | €93,477 | -€23,383 | -€23,352 | -€48,865 | -€80,461 | ▼ 64.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €544,428 | €495,737 | €448,990 | €806,733 | €733,017 | ▼ 9.1% |
| Fixed assets21/28 | €495,207 | €464,776 | €434,994 | €35,002 | €16,308 | ▼ 53.4% |
| Tangible fixed assets22/27 | €495,207 | €464,776 | €434,994 | €35,002 | €16,308 | ▼ 53.4% |
| Land and buildings22 | €427,843 | €414,317 | €401,339 | €16,768 | €14,268 | ▼ 14.9% |
| Plant, machinery and equipment23 | €10,861 | €7,789 | €4,818 | €3,230 | €869 | ▼ 73.1% |
| Furniture and vehicles24 | €3,481 | €2,628 | €1,775 | €922 | €69 | ▼ 92.5% |
| Leasing and similar rights25 | €53,022 | €40,042 | €27,062 | €14,082 | €1,102 | ▼ 92.2% |
| Current assets29/58 | €49,221 | €30,961 | €13,996 | €771,731 | €716,709 | ▼ 7.1% |
| Amounts receivable within one year40/41 | €34,431 | €19,549 | €5,167 | €59,651 | €64,760 | ▲ 8.6% |
| Trade receivables40 | €9,900 | €606 | €2,664 | €9,422 | €5,385 | ▼ 42.8% |
| Other amounts receivable41 | €24,531 | €18,943 | €2,503 | €50,229 | €59,375 | ▲ 18.2% |
| Current investments50/53 | - | - | - | €696,640 | €590,590 | ▼ 15.2% |
| Cash at bank and in hand54/58 | €11,955 | €9,744 | €7,428 | €13,510 | €59,799 | ▲ 343% |
| Deferred charges and accrued income490/1 | €2,835 | €1,668 | €1,401 | €1,930 | €1,560 | ▼ 19.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €544,428 | €495,737 | €448,990 | €806,733 | €733,017 | ▼ 9.1% |
| Equity10/15 | €359,382 | €335,999 | €312,647 | €590,056 | €467,183 | ▼ 20.8% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €283,905 | €283,905 | €283,905 | €610,179 | €567,767 | ▼ 7.0% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | - | - | - | €326,274 | €308,862 | ▼ 5.3% |
| Distributable reserves133 | €277,705 | €277,705 | €277,705 | €277,705 | €252,705 | ▼ 9.0% |
| Profit (loss) carried forward14 | €13,477 | -€9,906 | -€33,258 | -€82,123 | -€162,584 | ▼ 98.0% |
| Provisions and deferred taxes16 | - | - | - | €108,758 | €103,034 | ▼ 5.3% |
| Deferred taxes168 | - | - | - | €108,758 | €103,034 | ▼ 5.3% |
| Amounts payable17/49 | €185,046 | €159,738 | €136,343 | €107,919 | €162,800 | ▲ 50.9% |
| Amounts payable after more than one year17 | €65,142 | €43,073 | €21,834 | €2,596 | - | - |
| Financial debts170/4 | €65,142 | €43,073 | €21,834 | €2,596 | - | - |
| Amounts payable within one year42/48 | €119,904 | €115,915 | €113,759 | €105,323 | €162,800 | ▲ 54.6% |
| Current portion of amounts payable after more than one year42 | €20,825 | €21,035 | €21,239 | €12,656 | €2,596 | ▼ 79.5% |
| Trade debts44 | €5,045 | €5,417 | €6,782 | €7,935 | €6,296 | ▼ 20.7% |
| Suppliers440/4 | €5,045 | €5,417 | €6,782 | €7,935 | €6,296 | ▼ 20.7% |
| Advances received on contracts in progress46 | €1,072 | - | - | - | €57 | - |
| Taxes, remuneration and social security45 | €8,000 | €8,000 | €4,275 | €398 | €1,250 | ▲ 214% |
| Taxes450/3 | €8,000 | €8,000 | €275 | €398 | €1,250 | ▲ 214% |
| Remuneration and social security454/9 | - | - | €4,000 | - | - | - |
| Other amounts payable47/48 | €84,962 | €81,463 | €81,463 | €84,334 | €152,601 | ▲ 80.9% |
| Accrued charges and deferred income492/3 | - | €750 | €750 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €93,477 | -€23,383 | -€23,352 | -€66,037 | -€97,873 | ▼ 48.2% |
| + Depreciation and write-downs630 | €35,985 | €30,762 | €29,782 | €18,925 | €18,694 | ▼ 1.2% |
| Operating cash flow (approximation) | €129,462 | €7,379 | €6,430 | -€47,112 | -€79,179 | ▼ 68.1% |
| Investment in fixed assets (approximation) | - | -€331 | €0 | €381,067 | €0 | ▼ 100% |
| Change in cash | - | -€2,211 | -€2,316 | €6,082 | €46,289 | ▲ 661% |
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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€97,873
Net result drops to -€97,873, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 60current ratio 7.33
Current ratio from 0.12 to 7.33; short-term debt falls from €113,759 to €105,323.
31-12
Financial
Equity above €500,000Eq €590,056 ▲88.7%
Equity rises from €312,647 to €590,056.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €93,477 ▲223%
Operating result €126,997, net result €93,477, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
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 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Mechelen · 1 establishment unit since 2000
Ground area
3,954 m²
Building footprint
795 m²
Volume, LiDAR
3,986 m³
Parcel 12016D0357/00V000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MYJOJO
since 20002.100.782.745
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12016D0357/00V000 | Flanders | 3,954 m² | 1 · 795 m² | 9.7 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400IWHEB7NJ99AH64
Similar companies · same sector, comparable size
CARROSSERIE ROOSELAER
BE 0446.805.655
Sint-Niklaas · Eq €467,253
CARROSSERIE DE MEESTER
BE 0477.654.229
Merelbeke-Melle · Eq €467,419
Carromaz
BE 0440.634.277
Namur · Eq €466,789
ESTEE INVEST
BE 0436.121.797
Asse · Eq €466,585
AUTOSCHADE LAZOORE
BE 0446.815.454
Nieuwpoort · Eq €468,108
Of 1,876 companies in sector 95314 we hold annual accounts for 847. 634 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded16-12-1999
Fiscal year end31-12
Activities, NACEBEL 2025
95314Bodywork repair (including spraying and painting)
95316Washing and cleaning of motor vehicles
49420Removal services
53200Other postal and courier activities
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0468359451
Also
9925:BE0468359451
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.