GROUPE JOSI - GROEP JOSI
ActiveGROUPE JOSI - GROEP JOSI has been active since 1909 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113.39M and a net result of €11.99M. Equity is growing by ~2.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+29
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity ample (current ratio 17.24 against 7.9 in 2024), and 3.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
96.7%
Return on assets
10.2%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
29 d early
2024
31 d early
2023
42 d early
2022
33 d early
2021
25 d early
2020
39 d early
2019
46 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema, statutory
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11.99M▲ 140%
2024 · €5.00M
2018: €6.88M
2021: €3.39M
2022: €5.97M
2023: €5.78M
2024: €5.00M
2018 → 2025
Working capital
€62.30M▲ 4.9%
2024 · €59.41M
2018: €47.52M
2021: €56.35M
2022: €60.30M
2023: €63.15M
2024: €59.41M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102.05M-€105.77M▲ 3.7%€108.44M▲ 2.5%€105.04M▼ 3.1%€113.39M▲ 8.0%
Operating result€-76k-€-185k▼ 143%€-202k▼ 9.4%€-228k▼ 12.8%€-176k▲ 23.0%
Net result€3.39M-€5.97M▲ 76.3%€5.78M▼ 3.1%€5.00M▼ 13.5%€11.99M▲ 140%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €176k in 2025 against €228k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117.23M
Fixed assets
€51.10M▲ 11.8%
Current assets
€66.13M▼ 2.8%
Equity and liabilities €117.23M
Equity
€113.39M▲ 8.0%
Debt
€3.85M▼ 55.7%
The debt ratio falls from 7.6% to 3.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
96.7%▲
2024 · 92.4%
Current ratio
17.24▲
2024 · 7.90
Quick ratio
17.24▲
2024 · 7.90
Debt / equity
0.03▼
2024 · 0.08
ROE
10.6%▲
2024 · 4.8%
ROA
10.2%▲
2024 · 4.4%
Debt
€3.85M▼
2024 · €8.69M
Debt ≤ 1 year
€3.84M▼
2024 · €8.61M
Income taxes
€197k▲
2024 · €88k
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€113.73M€117.23M▲
Fixed assets21/28€45.71M€51.10M▲
Financial fixed assets28€45.71M€51.10M▲
Current assets29/58€68.01M€66.13M▼
Amounts receivable within one year40/41€2.76M€389k▼
Other amounts receivable41€2.76M€389k▼
Current investments50/53€63.26M€63.66M▲
Cash at bank and in hand54/58€1.78M€2.05M▲
Deferred charges and accrued income490/1€221k€35k▼
Equity and liabilities
Total equity and liabilities10/49€113.73M€117.23M▲
Equity10/15€105.04M€113.39M▲
Contributions10/11€7.00M€7.00M=
Capital10€7.00M€7.00M=
Issued capital100€7.00M€7.00M=
Reserves13€25.95M€25.95M=
Non-distributable reserves130/1€725k€725k=
Legal reserve130€700k€700k=
Other1319€25k€25k=
Tax-exempt reserves132€7.56M€7.56M=
Distributable reserves133€17.67M€17.67M=
Profit (loss) carried forward14€72.09M€80.44M▲
Amounts payable17/49€8.69M€3.85M▼
Amounts payable within one year42/48€8.61M€3.84M▼
Trade debts44€23k€16k▼
Suppliers440/4€23k€16k▼
Taxes, remuneration and social security45€135k€135k=
Remuneration and social security454/9€135k€135k=
Other amounts payable47/48€8.45M€3.68M▼
Accrued charges and deferred income492/3€83k€11k▼
Income statement
Code20242025
Other operating charges640/8€25k€8k▼
Gross operating margin9900€-203k€-167k▲
Operating profit (loss)9901€-228k€-176k▲
Financial income75/76B€7.07M€13.08M▲
Recurring financial income75€7.07M€13.08M▲
Financial charges65/66B€1.75M€718k▼
Recurring financial charges65€1.75M€718k▼
Profit (loss) for the period before taxes9903€5.09M€12.19M▲
Income taxes67/77€88k€197k▲
Profit (loss) for the period9904€5.00M€11.99M▲
Profit (loss) for the period to be appropriated9905€5.00M€11.99M▲
Appropriation of the result
Profit (loss) to be appropriated9906€80.49M€84.08M▲
Profit (loss) brought forward from the previous period14P€75.49M€72.09M▼
Profit to be distributed694/7€8.41M€3.64M▼
Return on contributions (dividend)694€8.41M€3.64M▼
The notes to these accounts (4 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
30-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director reappointment15 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director reappointment15 facts ▸
- General meeting, 29/06/2026
- Director resignation, Hubert BONNET (Administrateur)
- Director resignation, Axelle LAURENT JOSI (Administrateur)
- Director reappointment, Xavier DELEVAL (Administrateur)
- Director reappointment, Jean-Marie LAURENT JOSI (Administrateur)
- Director reappointment, Grégoire de SPOELBERCH (Administrateur)
- Director appointment, Paradis Verbier (Administrateur)
- Permanent representative, Hubert BONNET
- Director appointment, Cédric LAURENT JOSI (Administrateur)
- Director appointment, Apolline de SPOELBERCH (Administrateur)
- Director appointment, Havima (Administrateur)
- Permanent representative, Thierry BOSLY
- +3 further facts in this act
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €11.99M ▲140%
Net result €11.99M, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 17.24
Current ratio from 7.90 to 17.24; short-term debt falls from €8.61M to €3.84M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €3.39M ▼50.8%
Net result drops to €3.39M, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100MEq €102.05M ▲9.8%
2 profitable years in a row build equity to €102.05M.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · consolidated
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · consolidated
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26098180). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Apolline de SPOELBERCH
CurrentDirector · since 29-06-2026
Cédric LAURENT JOSI
CurrentDirector · since 29-06-2026
Grégoire de SPOELBERCH
CurrentDirector · since 29-06-2026
HAVIMA
CurrentDirector · since 29-06-2026 · Private limited company · perm. rep.: Thierry BOSLY
Laurent Josi Jean-Marie
CurrentDirector · since 29-06-2026
Paradis Verbier
CurrentDirector · since 29-06-2026 · Legal entity · perm. rep.: Hubert BONNET
+ 1 not shown in this overview
29-06-2026
Apolline de SPOELBERCH: Appointed as Director
29-06-2026
Cédric LAURENT JOSI: Appointed as Director
29-06-2026
Grégoire de SPOELBERCH: Mandate renewed as Director
29-06-2026
HAVIMA: Appointed as Director
29-06-2026
Laurent Josi Jean-Marie: Mandate renewed as Director
29-06-2026
Paradis Verbier: Appointed as Director
29-06-2026
Xavier DELEVAL: Mandate renewed as Director
29-06-2026
Christian VARIN: Resigned as Director
29-06-2026
Hubert BONNET: Resigned as Director
29-06-2026
Jean-Louis LAURENT JOSI: Resigned as Director
28-06-2026
Axelle LAURENT JOSI: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1909
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.
Koloniënstraat 111000 BrusselGround area
3,406 m²
Building footprint
3,354 m²
Volume, LiDAR
88,937 m³
Parcel 21804D1424/00E002, Brussels · tallest building 35.3 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Koloniënstraat 11, 1000 Brussel
since 19092.002.834.719
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21804D1424/00E002 | Brussels | 3,406 m² | 1 · 3,354 m² | 35.3 m · 9 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.
Structure & network
Connections & network
12 connected companiesLinked via shared directors
viaLaurent Josi Jean-Marie · Director
→
viaLaurent Josi Jean-Marie · Administrateur non exécutif
former→
viaLaurent Josi Jean-Marie · Director
former→
viaLaurent Josi Jean-Marie · Director
former→
Show 7 more companies with a shared director
viaLaurent Josi Jean-Marie · Director
former→
viaLaurent Josi Jean-Marie · Director
former→
viaLaurent Josi Jean-Marie · Director
former→
viaLaurent Josi Jean-Marie · Director
former→
viaLaurent Josi Jean-Marie · Director
former→
viaLaurent Josi Jean-Marie · Director
former→
viaLaurent Josi Jean-Marie · Director
former→
Network connections
Shared corporate director
→
Ownership & control
1 partyControl over this companysits on this company's board1
2 subsidiaries
controls
GROUPE JOSI - GROEP JOSIBE 0403.260.375
Group per the LEI register
1 subsidiary, 1 abroadSubsidiary:FIPROLUX S.A.
Recognitions · licences · registrations
Legal Entity Identifier
54930067F7YN80KIN389
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-12-1909
Fiscal year end31-12
Abbreviation FR
Groupe Josi 1909-Groep Josi 1909
Sources
Crossroads Bank for EnterprisesNational Bank · 78 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
4 convocationsGeneral meeting
Agenda
1. Rapport de gestion. Rapport du Commissaire-reviseur. 2. Approbation des comptes annuels au 31 décembre 2014. 3. Rapport consolidé de gestion. Rapport du Commissaire-reviseur. 4. Communication des comptes consolidés au 31 décembre 2014. 5. Décharge aux administrateurs et commissaire-reviseur. 6. Nomination statutaire – renouvellement du mandat du commissaire-reviseur – fixation des émoluments. 7. Divers.
Ordinary general meeting
Agenda
1. Rapport de gestion. Rapport du commissaire-reviseur. 2. Approbation des comptes annuels au 31 décembre 2013. 3. Rapport consolidé de gestion. Rapport du commissaire-reviseur. 4. Communication des comptes consolidés au 31 décembre 2013. 5. Décharge aux administrateurs et commissaire-reviseur. 6. Nomination statutaire – renouvellement du mandat des adminis- trateurs. 7. Divers.
General meeting
Agenda
1. Rapport de gestion. Rapport du commissaire-réviseur. 2. Approbation des comptes annuels au 31 décembre 2011. 3. Rapport consolidé de gestion. Rapport du commissaire-réviseur. 4. Communication des comptes consolidés au 31 décembre 2011. 5. Décharge aux administrateurs et commissaire-réviseur. 6. Nomination statutaire – renouvellement du mandat des adminis- trateurs et du mandat du commissaire-réviseur. 7. Divers.
General meeting
Agenda
1. Rapport de gestion. Rapport du commissaire-reviseur. 2. Approbation des comptes annuels au 31 décembre 2008. 3. Rapport consolidé de gestion. Rapport du commissaire-reviseur. 4. Communication des comptes consolidés au 31 décembre 2008. 5. Décharge aux administrateurs et commissaire- reviseur. 6. Nomination statutaire – renouvellement du mandat du commissaire-reviseur; fixation des émoluments. 7. Divers.