VILLA JOLIE
ActiveVILLA JOLIE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €169k and a net result of €-42k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 45% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
20
/ 100
Critical▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency32▼-19
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14 against 0.21 in 2024), and 72.2% of the assets are financed with debt.
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
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 · 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 →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€42k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
12 d early
2023
11 d early
2022
3 d early
2021
8 d early
2020
21 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€169k▼ 19.9%
2024 · €211k
2018: €166k
2019: €103k
2020: €102k
2021: €59k
2022: €292k
2023: €255k
2024: €211k
2018 → 2025
Total assets
€608k▲ 16.4%
2024 · €523k
2018: €755k
2019: €705k
2020: €680k
2021: €640k
2022: €575k
2023: €548k
2024: €523k
2018 → 2025
Net result
€-42k▲ 4.1%
2024 · €-44k
2018: €-35k
2019: €-63k
2020: €-457
2021: €-43k
2022: €232k
2023: €-37k
2024: €-44k
2018 → 2025
Working capital
€-378k▼ 54.6%
2024 · €-245k
2018: €-553k
2019: €-585k
2020: €-530k
2021: €-517k
2022: €-150k
2023: €-171k
2024: €-245k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€292k▲ 392%€255k▼ 12.7%€211k▼ 17.2%€169k▼ 19.9%
Operating result€-41k-€233k€-32k€-33k▼ 3.9%€-33k▼ 1.6%
Net result€-43k-€232k€-37k€-44k▼ 18.6%€-42k▲ 4.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €33k in 2025 against €33k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €608k
Fixed assets
€548k▲ 20.3%
Current assets
€60k▼ 10.4%
Equity and liabilities €608k
Equity
€169k▼ 19.9%
Debt
€439k▲ 41.0%
The debt ratio rises from 59.6% to 72.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-5k▲
2024 · €-8k
Cash flow
€-14k▲
2024 · €-19k
Solvency
27.8%▼
2024 · 40.4%
Current ratio
0.14▼
2024 · 0.21
Quick ratio
0.14▼
2024 · 0.21
Debt / equity
2.60▲
2024 · 1.48
ROE
-24.9%▼
2024 · -20.8%
ROA
-6.9%▲
2024 · -8.4%
Interest coverage
-0.54▲
2024 · -0.68
Debt
€439k▲
2024 · €312k
Debt ≤ 1 year
€438k▲
2024 · €312k
Income taxes
€-21▼
2024 · €215
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€523k€608k▲
Fixed assets21/28€456k€548k▲
Tangible fixed assets22/27€456k€548k▲
Land and buildings22€367k€454k▲
Plant, machinery and equipment23€87k€71k▼
Furniture and vehicles24€2k€23k▲
Current assets29/58€67k€60k▼
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€3k€5k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€620€279▼
Current investments50/53€51k€51k=
Cash at bank and in hand54/58€12k€5k▼
Equity and liabilities
Total equity and liabilities10/49€523k€608k▲
Equity10/15€211k€169k▼
Contributions10/11€200k€200k=
Reserves13€115k€115k=
Non-distributable reserves130/1€20k-
Reserves not available under the articles1311€20k-
Distributable reserves133€95k€115k▲
Profit (loss) carried forward14€-104k€-146k▼
Amounts payable17/49€312k€439k▲
Amounts payable within one year42/48€312k€438k▲
Financial debts43€250k€375k▲
Credit institutions430/8€250k€250k=
Other loans439-€125k
Trade debts44€28k€30k▲
Suppliers440/4€28k€30k▲
Other amounts payable47/48€33k€33k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€4-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€28k▲
Other operating charges640/8€13k€13k▼
Gross operating margin9900€5k€8k▲
Operating profit (loss)9901€-33k€-33k▼
Financial income75/76B€1k€929▼
Recurring financial income75€1k€929▼
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Non-recurring financial charges66B€145-
Profit (loss) for the period before taxes9903€-44k€-42k▲
Income taxes67/77€215€-21▼
Profit (loss) for the period9904€-44k€-42k▲
Profit (loss) for the period to be appropriated9905€-44k€-42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-104k€-146k▼
Profit (loss) brought forward from the previous period14P€-60k€-104k▼
The notes to these accounts (5 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €232k
Net result €232k after 4 loss-making years.
30-09
Financial
Equity above €200kEq €292k ▲392%
Equity rises from €59k to €292k.
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-63k
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
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.
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, Oostende · 1 establishment unit since 1992
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.
Nieuwpoortsesteenweg 5078400 OostendeGround area
155 m²
Building footprint
155 m²
Volume, LiDAR
1,270 m³
Parcel 35385B0036/02V005, Flanders · tallest building 17.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VILLA JOLIE
since 19922.057.735.135
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0036/02V005 | Flanders | 155 m² | 1 · 155 m² | 17.4 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
Legal Entity Identifier
984500J3AAD15E037326
Similar companies · same sector, comparable size
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COPTEX
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G-LEVEL
BE 0860.547.673
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SCOPES DESIGN
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ARTELIT
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Of 1,268 companies in sector 47512 we hold annual accounts for 579. 480 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-1992
Fiscal year end30-09
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
68110Buying and selling of own real estate
68310Real estate agency activities
68311Real estate activities
70120
70311
70322
81100Combined facilities support activities
93040
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.