JOOBLO
ActiveJOOBLO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €81k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+22
Solvency58▼-29
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.49 in 2024), and 62.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
37.2%
Return on assets
44%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-04-2026, 120 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
120 d early
2024
25 d late
2023
69 d late
2022
46 d late
2021
33 d late
2020
58 d late
2019
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€68k▼ 27.6%
2024 · €95k
2019: €24k
2020: €49k
2021: €74k
2022: €97k
2023: €125k
2024: €95k
2019 → 2025
Total assets
€184k▲ 12.8%
2024 · €163k
2019: €104k
2020: €126k
2021: €143k
2022: €162k
2023: €196k
2024: €163k
2019 → 2025
Net result
€81k▲ 449%
2024 · €15k
2019: €6k
2020: €25k
2021: €25k
2022: €23k
2023: €28k
2024: €15k
2019 → 2025
Working capital
€2k▼ 92.4%
2024 · €25k
2019: €-14k
2020: €17k
2021: €45k
2022: €73k
2023: €94k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€97k▲ 30.3%€125k▲ 28.9%€95k▼ 24.3%€68k▼ 27.6%
Operating result€37k-€35k▼ 5.5%€43k▲ 24.1%€24k▼ 43.6%€109k▲ 349%
Net result€25k-€23k▼ 10.4%€28k▲ 24.4%€15k▼ 47.5%€81k▲ 449%
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 recovers in 2025; 2025 is 349% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€78k▼ 9.3%
Current assets
€106k▲ 37.3%
Equity and liabilities €184k
Equity
€68k▼ 27.6%
Debt
€115k▲ 68.9%
The debt ratio rises from 41.9% to 62.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€117k▲
2024 · €31k
Cash flow
€89k▲
2024 · €22k
Solvency
37.2%▼
2024 · 58.1%
Current ratio
1.02▼
2024 · 1.49
Quick ratio
1.02▼
2024 · 1.49
Debt / equity
1.69▲
2024 · 0.72
ROE
118.1%▲
2024 · 15.6%
ROA
44.0%▲
2024 · 9.0%
Interest coverage
43.01▲
2024 · 31.75
Debt
€115k▲
2024 · €68k
Debt ≤ 1 year
€104k▲
2024 · €52k
Debt > 1 year
€11k▼
2024 · €16k
Income taxes
€25k▲
2024 · €9k
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€163k€184k▲
Fixed assets21/28€85k€78k▼
Tangible fixed assets22/27€85k€78k▼
Land and buildings22€85k€78k▼
Current assets29/58€77k€106k▲
Amounts receivable within one year40/41€3k€5k▲
Trade receivables40€3k€0▼
Other amounts receivable41€0€5k▲
Cash at bank and in hand54/58€60k€72k▲
Deferred charges and accrued income490/1€14k€29k▲
Equity and liabilities
Total equity and liabilities10/49€163k€184k▲
Equity10/15€95k€68k▼
Contributions10/11€19k€19k=
Reserves13€76k€50k▼
Non-distributable reserves130/1€286€286=
Reserves not available under the articles1311€286€286=
Distributable reserves133€76k€50k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€68k€115k▲
Amounts payable after more than one year17€16k€11k▼
Financial debts170/4€16k€11k▼
Amounts payable within one year42/48€52k€104k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€42k€12k▼
Taxes450/3€42k€12k▼
Other amounts payable47/48€3k€85k▲
Income statement
Code20242025
Non-recurring operating income76A€9k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€32k€119k▲
Operating profit (loss)9901€24k€109k▲
Financial income75/76B€58€0▼
Recurring financial income75€58€0▼
Financial charges65/66B€979€3k▲
Recurring financial charges65€979€3k▲
Profit (loss) for the period before taxes9903€23k€106k▲
Income taxes67/77€9k€25k▲
Profit (loss) for the period9904€15k€81k▲
Profit (loss) for the period to be appropriated9905€15k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€81k▲
Profit (loss) brought forward from the previous period14P€31k€0▼
Transfer from equity791/2-€26k
Transfer to equity691/2€1k€0▼
To other reserves6921€1k€0▼
Profit to be distributed694/7€45k€107k▲
Return on contributions (dividend)694€45k€107k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €81k ▲449%
Operating result €109k, net result €81k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Equity above €100kEq €125k ▲28.9%
5 profitable years in a row build equity to €125k.
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
2022
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 1.42
Current ratio from 0.64 to 1.42.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · 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, De Panne · 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.
Veurnestraat 3018660 De PanneGround area
782 m²
Building footprint
129 m²
Parcel 38008C0332/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
Jooblo
since 20192.284.977.827
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38008C0332/00A000 | Flanders | 782 m² | 1 · 129 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
64886L6OSOP2K24A1576
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Of 11,651 companies in sector 85599 we hold annual accounts for 1,320. 1,029 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2018
Fiscal year end31-12
Activities, NACEBEL
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.