Summary
JOCHEMS RUDI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.96M and a net result of €438k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 6156 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
22 d early
2022
43 d early
2021
15 d early
2020
29 d early
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€1.96M▲ 28.8%
2023 · €1.52M
2018: €1.10M
2019: €1.20M
2020: €1.31M
2021: €1.20M
2022: €1.73M
2023: €1.52M
2018 → 2024
Net result
€438k
2023 · €-70k
2018: €179k
2019: €107k
2020: €106k
2021: €-110k
2022: €830k
2023: €-70k
2018 → 2024
Total assets
€3.50M▲ 39.4%
2023 · €2.51M
2018: €3.59M
2019: €3.83M
2020: €2.93M
2021: €2.62M
2022: €2.57M
2023: €2.51M
2018 → 2024
Solvency
56.0%▼ 4.6pp
2023 · 60.6%
2018: 30.5%
2019: 31.4%
2020: 44.6%
2021: 45.7%
2022: 67.3%
2023: 60.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.31M-€1.20M▼ 8.4%€1.73M▲ 44.3%€1.52M▼ 11.8%€1.96M▲ 28.8%
Operating result€169k-€-79k€1.20M€260k▼ 78.3%€667k▲ 157%
Net result€106k-€-110k€830k€-70k€438k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 157% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.50M
Fixed assets
€12k ▼ 26.9%
Current assets
€3.49M ▲ 39.9%
Equity and liabilities €3.50M
Equity
€1.96M ▲ 28.8%
Debt
€1.54M ▲ 55.8%
Debt's share of the balance-sheet total rises from 39.4% to 44.0%. Equity and debt are higher.
Key figures and ratios
ROE
22.3%▲
2023 · -4.6%
ROA
12.5%▲
2023 · -2.8%
Debt ≤ 1 year
€1.54M▲
2023 · €989k
Income taxes
€198k▲
2023 · €59k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.51M€3.50M▲
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€7k▼
Furniture and vehicles24€16k€7k▼
Financial fixed assets28-€5k
Current assets29/58€2.50M€3.49M▲
Stocks and contracts in progress3€2.42M€1.69M▼
Stocks30/36€2.42M€1.69M▼
Amounts receivable within one year40/41€7k€228k▲
Trade receivables40-€228k
Other amounts receivable41€7k€0▼
Current investments50/53€20k€637k▲
Cash at bank and in hand54/58€45k€940k▲
Deferred charges and accrued income490/1€381€0▼
Equity and liabilities
Total equity and liabilities10/49€2.51M€3.50M▲
Equity10/15€1.52M€1.96M▲
Contributions10/11€12k€12k=
Reserves13€1.51M€1.95M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€1.51M€1.95M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€989k€1.54M▲
Amounts payable within one year42/48€989k€1.54M▲
Financial debts43€627k€1.08M▲
Credit institutions430/8€627k€1.08M▲
Trade debts44€23k€9k▼
Suppliers440/4€23k€9k▼
Taxes, remuneration and social security45€4k€64k▲
Taxes450/3€4k€64k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€335k€387k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€20k€14k▼
Gross operating margin9900€290k€691k▲
Operating profit (loss)9901€260k€667k▲
Financial income75/76B€136€2k▲
Recurring financial income75€136€2k▲
Financial charges65/66B€271k€33k▼
Recurring financial charges65€271k€33k▼
Profit (loss) for the period before taxes9903€-11k€636k▲
Income taxes67/77€59k€198k▲
Profit (loss) for the period9904€-70k€438k▲
Profit (loss) for the period to be appropriated9905€-70k€438k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-70k€438k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€203k€0▼
Transfer to equity691/2€0€438k▲
To other reserves6921€0€438k▲
Profit to be distributed694/7€133k€0▼
Return on contributions (dividend)694€133k€0▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €438k
Net result €438k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €830k
Net result €830k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-110k ▼204%
Net result drops to €-110k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 25 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
07-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Knokke-Heist · 1 establishment unit since 2007
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.
Meerminlaan 98300 Knokke-HeistGround area
449 m²
Parcel 31013A0274/00_000, Flanders. Linked by address, not a title deed.
1 establishment unit
JOCHEMS RUDI
since 20072.159.503.278
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0274/00_000 | Flanders | 449 m² | - | - |
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
254900XIBYQ993MZ8O50
Similar companies · same sector, comparable size
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IMBC SPINNOVA
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ORCA INVESTMENT
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IPRATEC
BE 0475.225.170
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,964 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:rudi.jochems@telenet.be
Phone:0495298112