Sven Joos

Active

Private limited companyfounded 20215 yrs activeKuitegemstraat 45, 2890 Puurs-Sint-Amands, BelgiumKBO/BCE: BE 0770.253.442

The computed 12-month bankruptcy probability of Sven Joos is 2.1% (moderate). The 2025 annual accounts show equity of €34k and a net result of €7k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 17% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

49 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability70▼-1

Solvency39▲+3

Growth52=

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity tight (current ratio 1.3 against 1.79 in 2024; short-term debt: 54.1% and cash: 12.1% of total assets), and 85.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

14.1%

Return on assets

2.9%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27711 sector peers (2025).

NBB · sector comparison

Position among 27711 sector peers

Solvency

better than 17%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-05-2026, 84 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

84 d early

2024

8 d late

2023

56 d early

2022

58 d early

2021

59 d early

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€34k▼ 2.8%

2024 · €35k

2021: €20k 2022: €36k 2023: €57k 2024: €35k

2021 → 2025

Total assets

€241k▼ 25.3%

2024 · €323k

2021: €276k 2022: €337k 2023: €309k 2024: €323k

2021 → 2025

Net result

€7k▲ 15.0%

2024 · €6k

2021: €14k 2022: €16k 2023: €21k 2024: €6k

2021 → 2025

Working capital

€39k▼ 61.3%

2024 · €101k

2021: €-6k 2022: €3k 2023: €-15k 2024: €101k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€20k-€36k▲ 74.0%€57k▲ 59.1%€35k▼ 38.6%€34k▼ 2.8%

Operating result€18k-€21k▲ 16.3%€28k▲ 29.7%€13k▼ 52.7%€17k▲ 29.1%

Net result€14k-€16k▲ 15.3%€21k▲ 29.3%€6k▼ 71.0%€7k▲ 15.0%

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 recovers in 2025; 2025 is 29% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €241k

29.6%

70.4%

Fixed assets €71k▼ 24.0%

Current assets €170k▼ 25.9%

Equity and liabilities €241k

14.1%

85.9%

Equity €34k▼ 2.8%

Debt €207k▼ 28.1%

The debt ratio falls from 89.2% to 85.9%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€45k▲

2024 · €41k

Cash flow

€35k▲

2024 · €34k

Solvency

14.1%▲

2024 · 10.8%

Current ratio

1.30▼

2024 · 1.79

Quick ratio

1.18▼

2024 · 1.53

Debt / equity

6.12▼

2024 · 8.27

ROE

20.7%▲

2024 · 17.5%

ROA

2.9%▲

2024 · 1.9%

Interest coverage

5.76▼

2024 · 6.82

Debt

€207k▼

2024 · €288k

Debt ≤ 1 year

€131k▲

2024 · €128k

Debt > 1 year

€76k▼

2024 · €108k

Income taxes

€2k▲

2024 · €898

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€323k€241k▼

Fixed assets21/28€94k€71k▼

Tangible fixed assets22/27€94k€71k▼

Plant, machinery and equipment23€6k€4k▼

Furniture and vehicles24€88k€67k▼

Other tangible fixed assets26€723€545▼

Current assets29/58€229k€170k▼

Stocks and contracts in progress3€33k€15k▼

Stocks30/36€33k€15k▼

Amounts receivable within one year40/41€44k€46k▲

Trade receivables40€25k€4k▼

Other amounts receivable41€18k€42k▲

Cash at bank and in hand54/58€64k€29k▼

Deferred charges and accrued income490/1€88k€79k▼

Equity and liabilities

Total equity and liabilities10/49€323k€241k▼

Equity10/15€35k€34k▼

Contributions10/11€8k€8k=

Reserves13€26k€26k=

Distributable reserves133€26k€26k=

Profit (loss) carried forward14€1k€391▼

Amounts payable17/49€288k€207k▼

Amounts payable after more than one year17€108k€76k▼

Financial debts170/4€108k€76k▼

Amounts payable within one year42/48€128k€131k▲

Current portion of amounts payable after more than one year42€30k€31k▲

Trade debts44€58k€56k▼

Suppliers440/4€58k€56k▼

Taxes, remuneration and social security45€15k€0▼

Taxes450/3€15k€0▼

Other amounts payable47/48€24k€43k▲

Accrued charges and deferred income492/3€53k€653▼

Income statement Code20242025

Non-recurring operating income76A€12k€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▼

Other operating charges640/8€4k€2k▼

Gross operating margin9900€45k€47k▲

Operating profit (loss)9901€13k€17k▲

Financial income75/76B€0€95▲

Recurring financial income75€0€95▲

Financial charges65/66B€6k€8k▲

Recurring financial charges65€6k€8k▲

Profit (loss) for the period before taxes9903€7k€9k▲

Income taxes67/77€898€2k▲

Profit (loss) for the period9904€6k€7k▲

Profit (loss) for the period to be appropriated9905€6k€7k▲

Appropriation of the result

Profit (loss) to be appropriated9906€6k€8k▲

Profit (loss) brought forward from the previous period14P€248€1k▲

Transfer from equity791/2€23k€0▼

Transfer to equity691/2€0-

To other reserves6921€0-

Profit to be distributed694/7€28k€8k▼

Return on contributions (dividend)694€28k€8k▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

08-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

08-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 8 days late

2024

31-12

Financial Weakest financial yearnet €6k ▼71%

Net result drops to €6k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 1.79

Current ratio from 0.86 to 1.79.

05-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2021net €21k ▲29.3%

Operating result €28k, net result €21k, both a record.

03-06

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

02-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Puurs-Sint-Amands · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Kuitegemstraat 452890 Puurs-Sint-Amands

Ground area

652 m²

Building footprint

175 m²

Volume, LiDAR

1 m³

Parcel 12034B0589/00G000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.

1 establishment unit

Sven Joos

Kuitegemstraat 45, 2890 Puurs-Sint-AmandsManufacture of other builders' carpentry and joinery

since 20212.318.858.046

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12034B0589/00G000	Flanders	652 m²	1 · 175 m²	0.1 m

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.

Similar companies · same sector, comparable size

Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 6,951 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded23-06-2021

Fiscal year end31-12

Activities, NACEBEL

43320Joinery installation

33110Repair and maintenance of fabricated metal products

33120Repair and maintenance of machinery

43230Insulation installation

43291Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.