JODA
ActiveThe computed 12-month bankruptcy probability of JODA is 3.0% (moderate). The 2025 annual accounts show equity of €252k and a net result of €100k. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 57% of 13240 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+6
Solvency63▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 0.83 in 2024; short-term debt: 22.1% and cash: 23.1% of total assets), but 62% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
38%
Return on assets
15.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-11-2025, 64 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
64 d early
2024
63 d early
2023
68 d early
2022
67 d early
2021
60 d early
2020
51 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€252k▲ 65.6%
2024 · €152k
2020: €39k
2021: €72k
2022: €111k
2023: €132k
2024: €152k
2020 → 2025
Total assets
€662k▲ 15.2%
2024 · €575k
2020: €152k
2021: €573k
2022: €646k
2023: €643k
2024: €575k
2020 → 2025
Net result
€100k▲ 69.2%
2024 · €59k
2020: €38k
2021: €34k
2022: €38k
2023: €21k
2024: €59k
2020 → 2025
Working capital
€79k
2024 · €-22k
2020: €29k
2021: €-137k
2022: €-99k
2023: €-45k
2024: €-22k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€111k▲ 52.9%€132k▲ 19.2%€152k▲ 15.0%€252k▲ 65.6%
Operating result€39k-€51k▲ 31.9%€36k▼ 29.6%€85k▲ 136%€149k▲ 74.6%
Net result€34k-€38k▲ 12.8%€21k▼ 44.6%€59k▲ 177%€100k▲ 69.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 75% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €662k
Fixed assets
€437k▼ 5.8%
Current assets
€225k▲ 103%
Equity and liabilities €662k
Equity
€252k▲ 65.6%
Debt
€410k▼ 2.9%
The debt ratio falls from 73.6% to 62.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€192k▲
2024 · €147k
Cash flow
€143k▲
2024 · €120k
Solvency
38.0%▲
2024 · 26.4%
Current ratio
1.54▲
2024 · 0.83
Quick ratio
1.48▲
2024 · 0.78
Debt / equity
1.63▼
2024 · 2.79
ROE
39.6%▲
2024 · 38.8%
ROA
15.1%▲
2024 · 10.2%
Interest coverage
15.71▲
2024 · 12.61
Debt
€410k▼
2024 · €423k
Debt ≤ 1 year
€146k▲
2024 · €132k
Debt > 1 year
€258k▼
2024 · €285k
Income taxes
€37k▲
2024 · €16k
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€575k€662k▲
Fixed assets21/28€464k€437k▼
Tangible fixed assets22/27€464k€437k▼
Land and buildings22€407k€384k▼
Plant, machinery and equipment23€20k€31k▲
Furniture and vehicles24€37k€23k▼
Current assets29/58€111k€225k▲
Stocks and contracts in progress3€8k€8k▲
Stocks30/36€8k€8k▲
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€2k€1k▼
Other amounts receivable41€2k-
Current investments50/53-€60k
Cash at bank and in hand54/58€97k€153k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€575k€662k▲
Equity10/15€152k€252k▲
Contributions10/11€1k€1k=
Reserves13€151k€251k▲
Distributable reserves133€151k€251k▲
Amounts payable17/49€423k€410k▼
Amounts payable after more than one year17€285k€258k▼
Financial debts170/4€285k€258k▼
Amounts payable within one year42/48€132k€146k▲
Current portion of amounts payable after more than one year42€23k€18k▼
Trade debts44€10k€4k▼
Suppliers440/4€10k€4k▼
Taxes, remuneration and social security45€22k€52k▲
Taxes450/3€22k€48k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€78k€72k▼
Accrued charges and deferred income492/3€5k€6k▲
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€43k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€151k€199k▲
Operating profit (loss)9901€85k€149k▲
Financial income75/76B€1k€124▼
Recurring financial income75€300€124▼
Non-recurring financial income76B€785-
Financial charges65/66B€12k€12k▲
Recurring financial charges65€12k€12k▲
Profit (loss) for the period before taxes9903€75k€137k▲
Income taxes67/77€16k€37k▲
Profit (loss) for the period9904€59k€100k▲
Profit (loss) for the period to be appropriated9905€59k€100k▲
Appropriation of the result
Profit (loss) to be appropriated9906€190k€100k▼
Profit (loss) brought forward from the previous period14P€131k-
Transfer from equity791/2€38k-
Transfer to equity691/2€188k€100k▼
To other reserves6921€188k€100k▼
Profit to be distributed694/7€39k-
Return on contributions (dividend)694€39k-
The notes to these accounts (12 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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2020net €100k ▲69.2%
Operating result €149k, net result €100k, both a record.
30-06
Financial
Equity above €200kEq €252k ▲65.6%
6 profitable years in a row build equity to €252k.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €150kEq €152k ▲15%
5 profitable years in a row build equity to €152k.
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €21k ▼44.6%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €100kEq €111k ▲52.9%
3 profitable years in a row build equity to €111k.
2021
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Torhout · 1 establishment unit since 2019
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.
Breidelstraat 158820 TorhoutGround area
127 m²
Parcel 31033K0425/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
Toe'Koer
since 20192.291.637.569
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31033K0425/00L000 | Flanders | 127 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
Food safety, FASFC
1 siteTorhout2.291.637.569
Similar companies · same sector, comparable size
Eetkafee ‘t Forum
BE 0805.602.420
Edegem · Eq €252k
Lymbus
BE 0830.623.074
Nieuwpoort · Eq €252k
MAC PUDDING
BE 0887.887.124
Nazareth-De Pinte · Eq €251k
MELKERIJ NACHTEGALENPARK
BE 0460.935.189
Antwerpen · Eq €252k
LIU LING FENG YE
BE 0793.858.391
Brasschaat · Eq €251k
Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 8,069 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2019
Fiscal year end30-06
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.therootstorhout.be
E-mail:contact@therootstorhout.be