JOIRIS J.
ActiveJOIRIS J. has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €4k. Its solvency ranks better than 66% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+39
Solvency83▼-17
Growth78
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 3.64 in 2024; short-term debt: 41.8% and cash: 13.5% of total assets), and 41.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
58.2%
Return on assets
2.9%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€78k▲ 5.2%
2024 · €74k
2024: €74k
2024 → 2025
Total assets
€134k▲ 43.2%
2024 · €93k
2024: €93k
2024 → 2025
Net result
€4k
2024 · €-6k
2024: €-6k
2024 → 2025
Working capital
€50k▼ 2.8%
2024 · €51k
2024: €51k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€74k-€78k▲ 5.2%
Operating result€-2k-€11k
Net result€-6k-€4k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€28k▲ 23.3%
Current assets
€106k▲ 49.6%
Equity and liabilities €134k
Equity
€78k▲ 5.2%
Debt
€56k▲ 188%
The debt ratio rises from 20.8% to 41.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €2k
Cash flow
€9k▲
2024 · €-2k
Solvency
58.2%▼
2024 · 79.2%
Current ratio
1.89▼
2024 · 3.64
Quick ratio
1.73▼
2024 · 3.12
Debt / equity
0.72▲
2024 · 0.26
ROE
4.9%▲
2024 · -8.1%
ROA
2.9%▲
2024 · -6.4%
Interest coverage
3.64▲
2024 · 0.44
Debt
€56k▲
2024 · €19k
Debt ≤ 1 year
€56k▲
2024 · €19k
Income taxes
€2k▲
2024 · €211
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€93k€134k▲
Fixed assets21/28€23k€28k▲
Tangible fixed assets22/27€23k€28k▲
Land and buildings22€1k€943▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€19k€18k▼
Other tangible fixed assets26€126€7k▲
Current assets29/58€71k€106k▲
Stocks and contracts in progress3€10k€9k▼
Stocks30/36€10k€9k▼
Amounts receivable within one year40/41€45k€78k▲
Trade receivables40€34k€67k▲
Other amounts receivable41€11k€11k▲
Cash at bank and in hand54/58€14k€18k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€93k€134k▲
Equity10/15€74k€78k▲
Contributions10/11€100€100=
Outside capital11€100€100=
Other1109/19€100€100=
Reserves13€18k€22k▲
Distributable reserves133€18k€22k▲
Profit (loss) carried forward14€56k€56k=
Amounts payable17/49€19k€56k▲
Amounts payable within one year42/48€19k€56k▲
Trade debts44€19k€51k▲
Suppliers440/4€19k€51k▲
Taxes, remuneration and social security45€287€3k▲
Taxes450/3€287€3k▲
Other amounts payable47/48-€2k
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€4k
Other operating charges640/8€672€445▼
Gross operating margin9900€2k€21k▲
Operating profit (loss)9901€-2k€11k▲
Financial income75/76B€23€1▼
Recurring financial income75€23€1▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-6k€6k▲
Income taxes67/77€211€2k▲
Profit (loss) for the period9904€-6k€4k▲
Profit (loss) for the period to be appropriated9905€-6k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€60k▲
Profit (loss) brought forward from the previous period14P€62k€56k▼
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
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, Wetteren · 1 establishment unit since 2013
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.
Maelbroekstraat 659230 WetterenGround area
312 m²
Building footprint
124 m²
Volume, LiDAR
758 m³
Parcel 42012B0039/00S003, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOIRIS J.
since 20132.217.461.471
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42012B0039/00S003 | Flanders | 312 m² | 1 · 124 m² | 8.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 389 EUR awarded · 389 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 389 EUR | 389 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,796 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2013
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.