Jo Beck · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Jo Beck is 3.5% (moderate). The 2020 annual accounts show equity of €105k and a net result of €5k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 178 sector peers (fiscal year 2020). The company has been active since 1991 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Based on the State Gazette, CBE and 3 annual accounts.

Signals

Insufficient current data: the most recent filed accounts (financial year 2020) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 31-12-2021 was due at the National Bank by 31-07-2022. Nothing is on record today, 1477 days later. 5 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Filed more than 90 days late

The financial year that closed on 31-12-2020 was due by 31-07-2021 and was filed on 16-02-2022, 200 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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2020, that is 31-07-2021.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	nothing on record	not filed	-
31-12-2023	31-07-2024	nothing on record	not filed	-
31-12-2022	31-07-2023	nothing on record	not filed	-
31-12-2021	31-07-2022	nothing on record	not filed	-
31-12-2020	31-07-2021	16-02-2022	200 d late	2022-05700391
31-12-2019	31-07-2020	12-11-2020	104 d late	2020-70100490
31-12-2018	31-07-2019	04-11-2019	96 d late	2019-73400577
31-12-2017	31-07-2018	04-11-2019	461 d late	2019-73400576
31-12-2016	31-07-2017	10-10-2017	71 d late	2017-66800574
31-12-2015	31-07-2016	01-07-2016	30 d early	2016-25800310
31-12-2014	31-07-2015	30-12-2015	152 d late	2015-70900521

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

1 signal

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

1 event

Late accounts filing

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

3.5% Moderate

0%0,5%1,5%4%10%≥25%

Recent warning signals +No NACE activity registered +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€5k-76.9%

Working capital€96k+11.6%

CSV export

Annual accounts & ratios

Source: NBB · 2020

Annual accounts filed on 16-02-2022 with the NBB · fiscal year 2020 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~12.2%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2020 · NACE 01, Agriculture · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	59.3%	25.0%	better than 77% of 178 sector peers
Net result	€5k	€5k	better than 48% of 178 sector peers
Equity	€105k	€72k	better than 57% of 178 sector peers
Gross operating margin	€18k	€35k	better than 30% of 178 sector peers
Total assets	€177k	€313k	better than 33% of 178 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€10k

-77.3% 18-20

Net profit

€5k

-76.9% 18-20

Cash flow

€14k

-51.8% 18-20

Total assets

€177k

+9.4% 18-20

Equity

€105k

+4.6% 18-20

Working capital

€96k

+11.6% 18-20

Income taxes

€2k

-82.4% 18-20

Debt

€72k

+17.3% 18-20

Show 8 other metrics

Debt ≤ 1y

€71k

+26.2% 18-20

Debt > 1y

€741

-79.6% 18-20

Current ratio

2.35

-7.0% 18-20

Quick ratio

2.35

-7.0% 18-20

Solvency

59.3%

-4.4% 18-20

Debt / equity

0.01

-80.5% 18-20

ROE

4.4%

-77.9% 18-20

ROA

2.6%

-78.9% 18-20

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2020
Deposit	micro
Revenue	-
EBITDA	€10k
Net profit	€5k
Cash flow	€14k
Staff costs	-
Income taxes	€2k
Dividends	-
Total assets	€177k
Equity	€105k
Debt	€72k
of which ≤ 1y	€71k
of which > 1y	€741
Working capital	€96k
Employees (FTE)	-

Ratios (computed)

	2020
Current ratio	2.35
Quick ratio	2.35
Working capital ratio	54.4%
Solvency	59.3%
Debt / equity	0.01
Long-term debt ratio	0.01
Interest coverage	-
Gross margin	-
Net margin	-
ROA	2.6%
ROE	4.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2020

Assets

Fixed assets €9k · 5.3% Current assets €168k · 94.7%

Equity & liabilities

Equity €105k · 59.3% Debt €72k · 40.7%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2020
Balance sheet, Assets
TOTAL ASSETS	20/58	€177k
Fixed assets	21/28	€9k
Tangible fixed assets	22/27	€9k
Financial fixed assets	28	€93
Current assets	29/58	€168k
Amounts receivable within one year	40/41	€154k
Cash & bank	54/58	€913
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€177k
Equity	10/15	€105k
Contributions / capital	10/11	€31k
Reserves	13	€74k
Amounts payable	17/49	€72k
Amounts payable after one year	17	€741
Amounts payable within one year	42/48	€71k
Trade debts payable within one year	44	€40k
Income statement
Gross operating margin	9900	€18k
Operating result	9901	€-130
Financial income	75	€5k
Financial charges	65	€1k
Result before taxes	9903	€7k
Income taxes	67/77	€2k
Net result for the period	9904	€5k
Result to be appropriated	9905	€5k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2020 · computed

78 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2020. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Malaise 819600 Ronse

Establishment units

1 location

Malaise 81, 9600 Ronse

Teelt, neg

since 19912.052.467.243

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area5,434 m²

Buildings1

Building footprint225 m²

Volume (LiDAR)1,416 m³

Tallest building9.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45422D1259/00D000	Flanders	5,434 m²	1 · 225 m²	9.8 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

1 event from the State Gazette

08-09-2025

KBO administration Late accounts filing

· Publications in State Gazette ↗

Time machine: BS events + macro context

2021-2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023-2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

69 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 78

Profitability 22

Solvency 100

Growth 52

Stability 92

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Teelt van andere granen dan rijst, en van peulgewassen en oliehoudende zaden01110Overige plantenvermeerdering01309Algemene bouw van residentiële gebouwen41001Groothandel in machines, werktuigen en toebehoren voor de landbouw46610Detailhandel in bloemen, planten, zaden en kunstmeststoffen47761Landschapsverzorging81300

Primary activity highlighted.

Names & trade names

Legal nameNL

Jo Beck

Registered office

Malaise 81

9600 Ronse, Belgium

Registration history

08-09-2025 Late accounts filing

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.