Wouter Joos
ActiveWouter Joos has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €66k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 83% of 501 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
94
/ 100
Excellent▲ +29 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability38▲+38
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.04 against 2.41 in 2023), and 23.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 23
Relative position
BE, all sectors
reference
Sector 23
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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
not confirmed
2024
57 d late
2023
30 d late
2022
31 d late
2021
26 d late
2020
90 d late
2019
66 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€66k▲ 8.3%
2023 · €61k
2018: €78k
2019: €65k
2020: €68k
2021: €72k
2022: €79k
2023: €61k
2018 → 2024
Total assets
€86k▼ 7.8%
2023 · €93k
2018: €128k
2019: €114k
2020: €140k
2021: €112k
2022: €133k
2023: €93k
2018 → 2024
Net result
€5k
2023 · €-13k
2018: €-14k
2019: €-8k
2020: €8k
2021: €4k
2022: €15k
2023: €-13k
2018 → 2024
Working capital
€43k▲ 53.1%
2023 · €28k
2018: €73k
2019: €61k
2020: €98k
2021: €55k
2022: €58k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€68k-€72k▲ 6.0%€79k▲ 9.8%€61k▼ 22.9%€66k▲ 8.3%
Operating result€7k-€5k▼ 34.3%€17k▲ 272%€-11k€10k
Net result€8k-€4k▼ 46.5%€15k▲ 269%€-13k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €10k after a loss of €11k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €86k
Fixed assets
€33k▼ 28.4%
Current assets
€53k▲ 11.9%
Equity and liabilities €86k
Equity
€66k▲ 8.3%
Debt
€20k▼ 38.2%
The debt ratio falls from 34.5% to 23.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▲
2023 · €4k
Cash flow
€19k▲
2023 · €2k
Solvency
76.9%▲
2023 · 65.5%
Current ratio
5.04▲
2023 · 2.41
Quick ratio
4.05▲
2023 · 1.30
Debt / equity
0.30▼
2023 · 0.53
ROE
7.6%▲
2023 · -20.8%
ROA
5.9%▲
2023 · -13.6%
Interest coverage
7.13▲
2023 · 2.50
Debt
€20k▼
2023 · €32k
Debt ≤ 1 year
€11k▼
2023 · €20k
Debt > 1 year
€8k▼
2023 · €12k
Income taxes
€1k▲
2023 · €36
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€93k€86k▼
Fixed assets21/28€45k€33k▼
Tangible fixed assets22/27€45k€33k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€37k€27k▼
Current assets29/58€48k€53k▲
Stocks and contracts in progress3€22k€11k▼
Stocks30/36€22k€11k▼
Amounts receivable within one year40/41€17k€31k▲
Trade receivables40€5k€22k▲
Other amounts receivable41€12k€10k▼
Current investments50/53€2k€2k=
Cash at bank and in hand54/58€7k€10k▲
Equity and liabilities
Total equity and liabilities10/49€93k€86k▼
Equity10/15€61k€66k▲
Contributions10/11€19k€19k=
Reserves13€55k€55k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€9k€9k=
Distributable reserves133€44k€44k=
Profit (loss) carried forward14€-13k€-8k▲
Amounts payable17/49€32k€20k▼
Amounts payable after more than one year17€12k€8k▼
Financial debts170/4€12k€8k▼
Amounts payable within one year42/48€20k€11k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€7k▲
Other amounts payable47/48€7k-
Accrued charges and deferred income492/3€834€1k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€1k€792▼
Gross operating margin9900€5k€25k▲
Operating profit (loss)9901€-11k€10k▲
Financial income75/76B€147€44▼
Recurring financial income75€147€44▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-13k€6k▲
Income taxes67/77€36€1k▲
Profit (loss) for the period9904€-13k€5k▲
Profit (loss) for the period to be appropriated9905€-13k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-8k▲
Profit (loss) brought forward from the previous period14P-€-13k
Transfer from equity791/2€6k-
Profit to be distributed694/7€6k-
Return on contributions (dividend)694€6k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 5.04
Current ratio from 2.41 to 5.04; short-term debt falls from €20k to €11k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €15k ▲269%
Operating result €17k, net result €15k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 57 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Lede · 1 establishment unit since 1999
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.
Nieuwstraat 1119340 LedeGround area
1,076 m²
Building footprint
180 m²
Volume, LiDAR
1,306 m³
Parcel 41034C0323/00C004, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
WOUTER JOOS BVBA
since 19992.025.387.120
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034C0323/00C004 | Flanders | 1,076 m² | 1 · 180 m² | 11.6 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.
Similar companies · same sector, comparable size
LICX
BE 0677.627.152
Ciney · Eq €66k
NATUURSTEEN SIMONS
BE 0506.768.976
Rijkevorsel · Eq €66k
ARDUMA
BE 0442.509.347
Geel · Eq €65k
ROBERT DE SMET
BE 0442.350.682
Lokeren · Eq €68k
LOWART ET FERY
BE 0442.054.536
Profondeville · Eq €64k
Of 736 companies in sector 23700 we hold annual accounts for 489. 374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-06-1980
Fiscal year end31-12
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
26700
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.