SINT-JOZEF
ActiveSINT-JOZEF has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €33k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency11▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity short (current ratio 0.46 against 0.1 in 2024), and 83.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
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
16.6%
Return on assets
3.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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
31 d late
2024
30 d late
2023
37 d early
2022
29 d early
2021
30 d early
2020
30 d early
2019
43 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€155k▲ 26.7%
2024 · €122k
2018: €68k
2019: €75k
2020: €88k
2021: €63k
2022: €124k
2023: €75k
2024: €122k
2018 → 2025
Total assets
€930k▼ 22.3%
2024 · €1.20M
2018: €460k
2019: €401k
2020: €460k
2021: €853k
2022: €864k
2023: €1.21M
2024: €1.20M
2018 → 2025
Net result
€33k▼ 31.5%
2024 · €48k
2018: €-2k
2019: €7k
2020: €13k
2021: €-25k
2022: €61k
2023: €-49k
2024: €48k
2018 → 2025
Working capital
€-150k▼ 1.2%
2024 · €-148k
2018: €-75k
2019: €-70k
2020: €-11k
2021: €-96k
2022: €-67k
2023: €-152k
2024: €-148k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€124k▲ 96.6%€75k▼ 39.9%€122k▲ 63.8%€155k▲ 26.7%
Operating result€3k-€89k▲ 2,699%€-28k€76k€73k▼ 3.3%
Net result€-25k-€61k€-49k€48k€33k▼ 31.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €930k
Fixed assets
€802k▼ 32.1%
Current assets
€128k▲ 678%
Equity and liabilities €930k
Equity
€155k▲ 26.7%
Debt
€776k▼ 27.9%
The debt ratio falls from 89.8% to 83.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€87k▼
2024 · €108k
Cash flow
€46k▼
2024 · €79k
Solvency
16.6%▲
2024 · 10.2%
Current ratio
0.46▲
2024 · 0.10
Quick ratio
0.46▲
2024 · 0.10
Debt / equity
5.02▼
2024 · 8.81
ROE
21.1%▼
2024 · 38.9%
ROA
3.5%▼
2024 · 4.0%
Interest coverage
3.68▼
2024 · 3.77
Debt
€776k▼
2024 · €1.08M
Debt ≤ 1 year
€278k▲
2024 · €164k
Debt > 1 year
€496k▼
2024 · €910k
Income taxes
€17k
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€1.20M€930k▼
Fixed assets21/28€1.18M€802k▼
Intangible fixed assets21€913€590▼
Tangible fixed assets22/27€1.18M€802k▼
Land and buildings22€1.16M€787k▼
Plant, machinery and equipment23€16k€14k▼
Furniture and vehicles24€563€316▼
Current assets29/58€16k€128k▲
Amounts receivable within one year40/41€12k€10k▼
Trade receivables40€12k€10k▼
Other amounts receivable41-€123
Cash at bank and in hand54/58€4k€117k▲
Deferred charges and accrued income490/1€1k€729▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€930k▼
Equity10/15€122k€155k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€62k€94k▲
Non-distributable reserves130/1€4k€6k▲
Legal reserve130€4k€6k▲
Distributable reserves133€58k€89k▲
Profit (loss) carried forward14€-2k€-2k=
Amounts payable17/49€1.08M€776k▼
Amounts payable after more than one year17€910k€496k▼
Financial debts170/4€907k€494k▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€164k€278k▲
Current portion of amounts payable after more than one year42€61k€46k▼
Trade debts44€7k€136k▲
Suppliers440/4€7k€136k▲
Taxes, remuneration and social security45€8k€23k▲
Taxes450/3€8k€23k▲
Other amounts payable47/48€88k€72k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€13k▼
Other operating charges640/8€8k€10k▲
Gross operating margin9900€116k€97k▼
Operating profit (loss)9901€76k€73k▼
Financial income75/76B€58€0▼
Recurring financial income75€58€0▼
Financial charges65/66B€29k€24k▼
Recurring financial charges65€29k€24k▼
Profit (loss) for the period before taxes9903€48k€50k▲
Income taxes67/77-€17k
Profit (loss) for the period9904€48k€33k▼
Profit (loss) for the period to be appropriated9905€48k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€31k▲
Profit (loss) brought forward from the previous period14P€-49k€-2k▲
Transfer to equity691/2-€33k
To the legal reserve6920-€2k
To other reserves6921-€31k
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €155k ▲26.7%
2 profitable years in a row build equity to €155k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
31-12
Financial
Equity above €100kEq €122k ▲63.8%
Equity rises from €75k to €122k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-49k ▼181%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
31-12
Financial
Equity above €100kEq €124k ▲96.6%
Equity rises from €63k to €124k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2017
29-06
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.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
26-11-2020
Resigned as Director
Location & real-estate footprint
Registered office, Meerhout · 1 establishment unit since 1985
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.
Eindhoutsebaan 662450 MeerhoutGround area
1,744 m²
Building footprint
985 m²
Volume, LiDAR
6,886 m³
Parcel 13021A1429/00H000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Immo Kong
since 19852.026.819.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13021A1429/00H000 | Flanders | 1,744 m² | 1 · 985 m² | 9.3 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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STIJNIC
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Turnhout · Eq €155k
Of 11,708 companies in sector 68310 we hold annual accounts for 6,875. 5,235 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-03-1985
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70203
68203Renting and operating of own or leased non-residential real estate, excluding land
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Business parks
1 parkOffers a parcel on business park:Zittaart Eindhoutsebaan