SUPERMARKT JOYTI
ActiveThe computed 12-month bankruptcy probability of SUPERMARKT JOYTI is 1.5% (moderate). For SUPERMARKT JOYTI, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €15k and a net result of €-659. Equity is growing by ~67.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 23189 sector peers (fiscal year 2022). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability39▼-50
Solvency43▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2022Solvency, return and age of the figures
Solvency
18.3%
Return on assets
-0.8%
Age of the figures
45 mo
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 · 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 · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline19-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 30-04-2025, 639 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
639 d late
2021
26 d late
2020
119 d late
2019
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€15k▼ 4.2%
2021 · €16k
2018: €-22k
2019: €-7k
2020: €-503
2021: €16k
2018 → 2022
Total assets
€81k▼ 19.1%
2021 · €100k
2018: €107k
2019: €129k
2020: €85k
2021: €100k
2018 → 2022
Net result
€-659
2021 · €16k
2018: €16k
2019: €15k
2020: €7k
2021: €16k
2018 → 2022
Working capital
€-45k▼ 13.5%
2021 · €-40k
2018: €-60k
2019: €-39k
2020: €-46k
2021: €-40k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€-22k-€-7k▲ 68.1%€-503▲ 92.9%€16k€15k▼ 4.2%
Operating result€20k-€17k▼ 14.4%€10k▼ 43.3%€19k▲ 99.6%€2k▼ 88.3%
Net result€16k-€15k▼ 4.1%€7k▼ 56.6%€16k▲ 146%€-659
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2022; 2022 is 88% below 2021 and is the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €81k
Fixed assets
€61k▼ 8.7%
Current assets
€21k▼ 39.5%
Equity and liabilities €81k
Equity
€15k▼ 4.2%
Debt
€66k▼ 21.8%
The debt ratio falls from 84.5% to 81.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2021 · €25k
Cash flow
€5k▼
2021 · €22k
Solvency
18.3%▲
2021 · 15.5%
Current ratio
0.31▼
2021 · 0.46
Quick ratio
0.01▼
2021 · 0.03
Debt / equity
4.45▼
2021 · 5.45
ROE
-4.4%▼
2021 · 103.2%
ROA
-0.8%▼
2021 · 16.0%
Interest coverage
2.59▼
2021 · 9.47
Debt
€66k▼
2021 · €85k
Debt ≤ 1 year
€65k▼
2021 · €74k
Debt > 1 year
€891▼
2021 · €11k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€100k€81k▼
Fixed assets21/28€66k€61k▼
Tangible fixed assets22/27€66k€61k▼
Land and buildings22€61k€55k▼
Furniture and vehicles24€440-
Other tangible fixed assets26€5k€5k=
Current assets29/58€34k€21k▼
Stocks and contracts in progress3€32k€20k▼
Stocks30/36€32k€20k▼
Amounts receivable within one year40/41€409€101▼
Other amounts receivable41€409€101▼
Cash at bank and in hand54/58€1k€725▼
Deferred charges and accrued income490/1€292-
Equity and liabilities
Total equity and liabilities10/49€100k€81k▼
Equity10/15€16k€15k▼
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€-4k€-5k▼
Amounts payable17/49€85k€66k▼
Amounts payable after more than one year17€11k€891▼
Financial debts170/4€11k€891▼
Amounts payable within one year42/48€74k€65k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Financial debts43€10k€3k▼
Credit institutions430/8€10k€3k▼
Trade debts44€557€482▼
Suppliers440/4€557€482▼
Advances received on contracts in progress46€7k€7k=
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€45k€43k▼
Income statement
Code20212022
Non-recurring operating income76A€425-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€7k€2k▼
Non-recurring operating charges66A€305-
Gross operating margin9900€32k€9k▼
Operating profit (loss)9901€19k€2k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€17k€-659▼
Income taxes67/77€647-
Profit (loss) for the period9904€16k€-659▼
Profit (loss) for the period to be appropriated9905€16k€-659▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-5k▼
Profit (loss) brought forward from the previous period14P€-20k€-4k▲
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
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 639 days late
2022
31-12
Financial
Weakest financial yearnet €-659 ▼104%
Net result drops to €-659, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €16k ▲146%
Net result €16k, the highest in the series.
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 119 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 36 days late
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
24-07
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
2014
08-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Diest · 1 establishment unit since 2003
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.
Statiestraat 883290 DiestGround area
180 m²
Building footprint
146 m²
Volume, LiDAR
934 m³
Parcel 24020A1309/00X000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SUPERMARKT JOYTI
since 20032.127.123.391
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020A1309/00X000 | Flanders | 180 m² | 1 · 146 m² | 10.7 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 10,527 companies in sector 47110 we hold annual accounts for 5,862. 3,884 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-03-2003
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
52113
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.