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JORIS & MASSOZ

Active
Private limited company·Activiteiten van verzekeringsagenten en -makelaars· 40 yrs active
Rue de Givet (Grandhan) 7 ·6940 Durbuy, Belgium
KBO/BCE: BE 0428.531.647
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Age40 yrs
Real estate2 parcels · 1,684 m²

Summary

Conclusion

the dossier summarised in one paragraph

JORIS & MASSOZ is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 21 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 22-08-2025 22 d late 2025-00401761
31-12-2023 31-07-2024 29-07-2024 2 d early 2024-00295559
31-12-2022 31-07-2023 26-07-2023 5 d early 2023-00271899
31-12-2021 31-07-2022 26-08-2022 26 d late 2022-20404108
31-12-2020 31-07-2021 30-08-2021 30 d late 2021-57800267
31-12-2019 31-07-2020 27-08-2020 27 d late 2020-46200539
31-12-2018 31-07-2019 03-06-2019 58 d early 2019-15400291
31-12-2017 31-07-2018 30-08-2018 30 d late 2018-56700301
31-12-2016 31-07-2017 09-08-2017 9 d late 2017-42500183
31-12-2015 31-07-2016 18-08-2016 18 d late 2016-43900569

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1986, 40 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Annual accounts & ratios

Source: NBB
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 volledig 22-08-2025 2025-00401761
31-12-2023 volledig 29-07-2024 2024-00295559
31-12-2022 volledig 26-07-2023 2023-00271899
31-12-2021 volledig 26-08-2022 2022-20404108
31-12-2020 volledig 30-08-2021 2021-57800267
31-12-2019 volledig 27-08-2020 2020-46200539
31-12-2018 volledig 03-06-2019 2019-15400291
31-12-2017 volledig 30-08-2018 2018-56700301
31-12-2016 volledig 09-08-2017 2017-42500183
31-12-2015 volledig 18-08-2016 2016-43900569

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rue de Givet (Grandhan) 76940 Durbuy

Establishment units

2 locations
Bureau Joris & Massoz
Rue de Givet (Grandhan) 7, 6940 DurbuyOndersteunende activiteiten i.v.m. het verzekeringswezen en pensioenfondsen
since 19862.028.953.453
JORIS & MASSOZ
Place Del Cour 3, 4180 HamoirActiviteiten van verzekeringsagenten en -makelaars
since 20202.310.145.961
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,684 m²
Buildings2
Building footprint250 m²
Volume (LiDAR)1,439 m³
Tallest building13.0 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
83016B1081/00C000 Wallonia 1,084 m² 1 · 106 m² -
61024A0152/00G000 Wallonia 600 m² 1 · 144 m² 13.0 m · 3 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 3 years ago
2023
11-05-2023 Publication in the Belgian Official Gazette, Minor change Minor change·Bénédicte LECOMTE
Summary: Agm reschedulingNotary: Bénédicte LECOMTE · Durbuy

Analysis

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 482 of the 4,663 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
Legal nameFR JORIS & MASSOZ
Registered office
Rue de Givet (Grandhan) 7
6940 Durbuy, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.