Checked.be
Active
BE 0443.796.180Private limited company
JOLIE
Mesenstraat(Wijtsch) 7 ·8953 Heuvelland, Belgium· 35 yrs active
Sector: Wholesale trade
(46311)
Conclusion
JOLIE has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €7.02M and a net result of €2.81M. Its solvency ranks better than 65% of 549 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Based on the State Gazette, CBE and 2 annual accounts.
Key figures
| Equity | €7.02M |
| Net result | €2.81M |
| Better than sector | 65% |
| Active | 35 yrs |
Financial profile
89
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
73
Solvency
87
Growth
85
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1991, 35 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
100
/ 100
Excellent
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€700k
estimate, not credit advice
Score history
88
2023
100
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.77 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.62 (≥ 1.0)
+5
Leverage
Debt/equity 1.14 (< 2.0)
+3
Profitability
ROE 40% (≥ 10%)
+10
EBITDA margin
EBITDA-marge 11% (≥ 10%)
+8
Interest coverage
Interest coverage 98.9× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-06-2025 with the NBB · fiscal year 2024 · full schema
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 46.8% | 31.0% | |
| Net result | €2.81M | €47k | |
| Equity | €7.02M | €468k | |
| Total assets | €14.99M | €1.82M |
€36.07M
+35.3%
23-24
€4.03M
+242.9%
23-24
€2.81M
+329.9%
23-24
€3.11M
+231.5%
23-24
€14.99M
+55.9%
23-24
€7.02M
+66.6%
23-24
€5.92M
+90.3%
23-24
€4k
-
23-24
€982k
+318.1%
23-24
€2k
+4.1%
23-24
€7.97M
+47.6%
23-24
€7.69M
+50.4%
23-24
€280k
-0.1%
23-24
1.77
+10.1%
23-24
1.62
+41.9%
23-24
46.8%
+6.8%
23-24
1.14
-11.4%
23-24
40.1%
+158.0%
23-24
18.8%
+175.7%
23-24
7.8%
+217.7%
23-24
11.2%
+153.4%
23-24
98.92
+373.1%
23-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 |
|---|---|---|
| Deposit | full schema | full schema |
| Revenue | €36.07M | €26.66M |
| EBITDA | €4.03M | €1.18M |
| Net profit | €2.81M | €654k |
| Cash flow | €3.11M | €938k |
| Staff costs | - | €4k |
| Income taxes | €982k | €235k |
| Dividends | €2k | €2k |
| Total assets | €14.99M | €9.61M |
| Equity | €7.02M | €4.21M |
| Debt | €7.97M | €5.40M |
| of which ≤ 1y | €7.69M | €5.11M |
| of which > 1y | €280k | €280k |
| Working capital | €5.92M | €3.11M |
| Employees (FTE) | - | - |
Ratios (computed)
| 2024 | 2023 | |
|---|---|---|
| Current ratio | 1.77 | 1.61 |
| Quick ratio | 1.62 | 1.14 |
| Working capital ratio | 39.5% | 32.4% |
| Solvency | 46.8% | 43.8% |
| Debt / equity | 1.14 | 1.28 |
| Long-term debt ratio | 0.04 | 0.07 |
| Interest coverage | 98.92 | 20.91 |
| Gross margin | 13.2% | 7.6% |
| Net margin | 7.8% | 2.5% |
| ROA | 18.8% | 6.8% |
| ROE | 40.1% | 15.5% |
| EBITDA margin | 11.2% | 4.4% |
| Days sales outstanding | 39d | 55d |
| Days payable outstanding | 82d | 65d |
| Inventory turnover | 26.32 | 10.24 |
| Days inventory (DSI) | 14d | 36d |
Balance-sheet composition 2024
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 |
|---|---|---|---|
| Balance sheet, Assets | |||
| TOTAL ASSETS | 20/58 | €14.99M | €9.61M |
| Fixed assets | 21/28 | €1.38M | €1.39M |
| Tangible fixed assets | 22/27 | €1.38M | €1.39M |
| Financial fixed assets | 28 | €975 | €975 |
| Current assets | 29/58 | €13.61M | €8.23M |
| Stocks & contracts in progress | 3 | €1.19M | €2.41M |
| Amounts receivable within one year | 40/41 | €5.72M | €5.76M |
| Investments | 50/53 | €6.00M | - |
| Cash & bank | 54/58 | €646k | €9k |
| Balance sheet, Equity & liabilities | |||
| TOTAL EQUITY & LIABILITIES | 10/49 | €14.99M | €9.61M |
| Equity | 10/15 | €7.02M | €4.21M |
| Contributions / capital | 10/11 | €20k | €20k |
| Reserves | 13 | €6.99M | €4.18M |
| Provisions & deferred taxes | 16 | €1k | €2k |
| Amounts payable | 17/49 | €7.97M | €5.40M |
| Amounts payable after one year | 17 | €280k | €280k |
| Amounts payable within one year | 42/48 | €7.69M | €5.11M |
| Trade debts payable within one year | 44 | €7.02M | €4.39M |
| Income statement | |||
| Turnover | 70 | €36.07M | €26.66M |
| Operating result | 9901 | €3.73M | €892k |
| Financial income | 75 | €101k | €55k |
| Financial charges | 65 | €43k | €59k |
| Result before taxes | 9903 | €3.79M | €888k |
| Income taxes | 67/77 | €982k | €235k |
| Net result for the period | 9904 | €2.81M | €654k |
| Result to be appropriated | 9905 | €2.81M | €656k |
Directors & mandates
Current directors & mandates
-
Joye JulieDirectorState Gazette act 25073177 (11-06-2025)Current15-03-2025 → present
Former directors (1)
-
Bodein GeertDirectorState Gazette act 25073177 (11-06-2025)Former- → 15-03-2025
Legal Structure
| NACE primary | Wholesale trade(46311) |
| Legal form | Private limited company(610) |
| Incorporation | 17-04-1991 |
| Status | Active |
| Postal code | 8953 |
Establishment units
JOLIE
since 19912.052.736.863
JOLIE
since 19972.052.736.962
Real-estate footprint
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33032E0352/00L000 | Flanders | 4,900 m² | 1 · 164 m² | 8.6 m · 2 fl. |
| 54008A0168/00K000 | Wallonia | 3,891 m² | - | - |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
11-06
State Gazette act
Director changes
2024
31-12
Financial
Equity above €5MEq €7.02M ▲66.6%
2 profitable years in a row build equity to €7.02M.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
16-11
State Gazette act
Minor change
Agm rescheduling · Michaël Mullie
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 30 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 82 days late
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
10-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 41 days late
2015
03-06
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 2
updated 1 year ago
2025
11-06-2025 1 director appointed, 1 resigning
- Joye Julie, Bestuurder
- Bodein Geert, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Bodein Geert",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": "end_of_term",
"subkind": null,
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": "2025-03-15",
"evidence_quote": "Het bestuursorgaan heeft beslist om de heer Bodein Geert te ontslaan uit zijn functie en dit met ingang vanaf 15/03/2025.",
"decharge_status": null,
"mandate_duration": null,
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "immediate"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Joye Julie",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": null,
"subkind": null,
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": "2025-03-15",
"evidence_quote": "Het bestuursorgaan heeft beslist om mevrouw Joye Julie te benoemen als bestuurder en dit met ingang vanaf 15/03/2025.",
"decharge_status": null,
"mandate_duration": null,
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "immediate"
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2025-06-11",
"filing_date": "2025-06-03",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "bijzondere_algemene_vergadering",
"date": "2025-03-15",
"unanimous": null
}
],
"is_correction": false,
"subject_company": {
"kbo": "0443.796.180",
"name_full": null,
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Lieven Joye",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}2023
16-11-2023 Publication in the Belgian Official Gazette, Minor change
Summary:
Agm reschedulingNotary:
Michaël Mullie · Zwevegem
Technical details
{
"notary": {
"name": "Micha\u00EBl Mullie",
"firm_city": null,
"firm_name": null,
"office_city": "Zwevegem",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2023-11-16",
"filing_date": "2023-11-13",
"act_kind_objet": "ALGEMENE VERGADERING, BOEKJAAR, ONTSLAGEN, BENOEMINGEN, WIJZIGING RECHTSVORM"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2023-10-31",
"unanimous": true
},
"agm_change": {
"new_schedule": "eerste vrijdag van de maand juni om achttien uur (18u)",
"old_schedule": "eerste vrijdag van de maand juni om achttien uur (18u)",
"effective_from_year": 2024,
"rule_changes_summary": "De datum van de jaarvergadering is gewijzigd en wordt voortaan gehouden op de eerste vrijdag van de maand juni om 18u. De algemene vergadering beslist ook de wijziging van het lopende boekjaar en de wijzigingen in de statuten die hieraan verbonden zijn."
},
"detected_kind": "agm_rescheduling",
"other_address": null,
"mandate_renewal": {
"period_end": null,
"mandate_kind": "bestuurder",
"period_start": null,
"remuneration_eur": null,
"remuneration_kind": null,
"person_or_entity_kbo": null,
"person_or_entity_name": "JOYE Lieven, BODEIN Geert en CARREIN Luc"
},
"subject_company": {
"kbo": "0443.796.180",
"name_full": "JOLIE",
"legal_form": "BV"
},
"accounts_deposit": {
"filing_kind": null,
"fiscal_year_end": "2023-12-31",
"filing_reference": null
},
"publication_proxy": {
"kind": "none",
"org_kbo": null,
"org_name": null,
"person_name": null,
"org_rep_person_name": null
},
"co_filed_documents": [
"Uitgifte",
"geco\u00F6rdineerde statuten"
],
"fiscal_year_change": {
"new_end_mm_dd": "12-31",
"old_end_mm_dd": "12-31",
"new_start_mm_dd": "01-01",
"old_start_mm_dd": "11-01",
"first_full_new_year": 2024,
"transition_period_end": "2023-12-31"
},
"liquidation_closure": null,
"officer_designation": null,
"special_procuration": null,
"is_volet_a_only_stub": false,
"vakbekwaamheid_change": null,
"should_reroute_to_category": null,
"single_shareholder_declaration": null
}Credit advice
Company registry (CBE)
Activities
Wholesale trade4631151310Support activities for crop production01610
Names & trade names
| Legal nameNL | JOLIE |
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