Josane
ActiveSummary
Josane has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €20k. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+26
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.32 against 9.91 in 2024; short-term debt: 17.2% and cash: 55.8% of total assets), and 17.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
82.8%
Return on assets
27.6%
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 27-01-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
15 d early
2023
41 d early
2022
53 d early
2021
2 d late
2020
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 16.0%
2024 · €52k
2020: €5klowest in 6 years
2021: €7k▲ +31.7% vs 2020
2022: €29k▲ +300% vs 2021
2023: €50k▲ +72.3% vs 2022
2024: €52k▲ +4.7% vs 2023
2025: €60k▲ +16.0% vs 2024highest in 6 years
2020 → 2025
Total assets
€73k▲ 28.4%
2024 · €57k
2020: €9klowest in 6 years
2021: €16k▲ +80.5% vs 2020
2022: €54k▲ +237% vs 2021
2023: €54k▲ +0.5% vs 2022
2024: €57k▲ +4.3% vs 2023
2025: €73k▲ +28.4% vs 2024highest in 6 years
2020 → 2025
Net result
€20k▲ 770%
2024 · €2k
2020: €456lowest in 6 years
2021: €2k▲ +279% vs 2020
2022: €22k▲ +1149% vs 2021highest in 6 years
2023: €21k▼ -3.6% vs 2022
2024: €2k▼ -88.9% vs 2023
2025: €20k▲ +770% vs 2024
2020 → 2025
Working capital
€54k▲ 28.3%
2024 · €42k
2020: €1klowest in 6 years
2021: €2k▲ +113% vs 2020
2022: €23k▲ +960% vs 2021
2023: €41k▲ +77.7% vs 2022
2024: €42k▲ +2.2% vs 2023
2025: €54k▲ +28.3% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€29k▲ 300%€50k▲ 72.3%€52k▲ 4.7%€60k▲ 16.0%
2021: €7klowest in 5 years
2022: €29k▲ +300% vs 2021
2023: €50k▲ +72.3% vs 2022
2024: €52k▲ +4.7% vs 2023
2025: €60k▲ +16.0% vs 2024highest in 5 years
Operating result€3k-€30k▲ 878%€27k▼ 8.9%€8k▼ 72.0%€29k▲ 276%
2021: €3klowest in 5 years
2022: €30k▲ +878% vs 2021highest in 5 years
2023: €27k▼ -8.9% vs 2022
2024: €8k▼ -72.0% vs 2023
2025: €29k▲ +276% vs 2024
Net result€2k-€22k▲ 1,149%€21k▼ 3.6%€2k▼ 88.9%€20k▲ 770%
2021: €2klowest in 5 years
2022: €22k▲ +1149% vs 2021highest in 5 years
2023: €21k▼ -3.6% vs 2022
2024: €2k▼ -88.9% vs 2023
2025: €20k▲ +770% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 276% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€6k ▼ 38.0%
Current assets
€67k ▲ 42.0%
Equity and liabilities €73k
Equity
€60k ▲ 16.0%
Debt
€13k ▲ 164%
Debt's share of the balance-sheet total rises from 8.4% to 17.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €11k
Cash flow
€24k▲
2024 · €5k
Current ratio
5.32▼
2024 · 9.91
Debt to equity
0.21▲
2024 · 0.09
ROE
33.4%▲
2024 · 4.4%
ROA
27.6%▲
2024 · 4.1%
Interest coverage
22.43▲
2024 · 10.91
Debt ≤ 1 year
€13k▲
2024 · €5k
Income taxes
€8k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€57k€73k▲
Fixed assets21/28€10k€6k▼
Tangible fixed assets22/27€10k€6k▼
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€595€219▼
Furniture and vehicles24€6k€3k▼
Current assets29/58€47k€67k▲
Amounts receivable within one year40/41€11k€1k▼
Trade receivables40€6k-
Other amounts receivable41€5k€1k▼
Current investments50/53€16k€25k▲
Cash at bank and in hand54/58€20k€41k▲
Deferred charges and accrued income490/1€323€422▲
Equity and liabilities
Total equity and liabilities10/49€57k€73k▲
Equity10/15€52k€60k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€47k€55k▲
Amounts payable17/49€5k€13k▲
Amounts payable within one year42/48€5k€13k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45-€7k
Taxes450/3-€7k
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€983€1k▲
Gross operating margin9900€12k€34k▲
Operating profit (loss)9901€8k€29k▲
Financial income75/76B€49€200▲
Recurring financial income75€49€200▲
Financial charges65/66B€991€1k▲
Recurring financial charges65€991€1k▲
Profit (loss) for the period before taxes9903€7k€28k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€2k€20k▲
Profit (loss) for the period to be appropriated9905€2k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€67k▲
Profit (loss) brought forward from the previous period14P€45k€47k▲
Profit to be distributed694/7-€12k
Directors or managers695-€12k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €2k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €2k | €2k | €3k | €4k | ▲ 15.9% |
| Other operating charges640/8 | - | €102 | €963 | €983 | €1k | ▲ 2.1% |
| Gross operating margin9900 | €6k | €34k | €31k | €12k | €34k | ▲ 184% |
| Operating profit (loss)9901 | €3k | €30k | €27k | €8k | €29k | ▲ 276% |
| Financial income75/76B | - | €56 | €63 | €49 | €200 | ▲ 305% |
| Recurring financial income75 | - | €56 | €63 | €49 | €200 | ▲ 305% |
| Financial charges65/66B | - | €30 | €-24 | €991 | €1k | ▲ 46.3% |
| Recurring financial charges65 | €30 | €30 | €-24 | €991 | €1k | ▲ 46.3% |
| Profit (loss) for the period before taxes9903 | €3k | €30k | €27k | €7k | €28k | ▲ 311% |
| Income taxes67/77 | €1k | €8k | €7k | €4k | €8k | ▲ 70.9% |
| Profit (loss) for the period9904 | €2k | €22k | €21k | €2k | €20k | ▲ 770% |
| Profit (loss) for the period to be appropriated9905 | €2k | €22k | €21k | €2k | €20k | ▲ 770% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16k | €54k | €54k | €57k | €73k | ▲ 28.4% |
| Fixed assets21/28 | €5k | €5k | €8k | €10k | €6k | ▼ 38.0% |
| Tangible fixed assets22/27 | €5k | €5k | €8k | €10k | €6k | ▼ 38.0% |
| Land and buildings22 | - | - | - | €3k | €2k | ▼ 21.5% |
| Plant, machinery and equipment23 | - | €1k | €971 | €595 | €219 | ▼ 63.2% |
| Furniture and vehicles24 | - | €4k | €7k | €6k | €3k | ▼ 43.2% |
| Current assets29/58 | €11k | €49k | €46k | €47k | €67k | ▲ 42.0% |
| Amounts receivable within one year40/41 | - | - | €8k | €11k | €1k | ▼ 90.0% |
| Trade receivables40 | - | - | - | €6k | - | - |
| Other amounts receivable41 | - | - | €8k | €5k | €1k | ▼ 76.8% |
| Current investments50/53 | - | €5k | €15k | €16k | €25k | ▲ 52.6% |
| Cash at bank and in hand54/58 | €11k | €44k | €23k | €20k | €41k | ▲ 104% |
| Deferred charges and accrued income490/1 | - | - | €75 | €323 | €422 | ▲ 30.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16k | €54k | €54k | €57k | €73k | ▲ 28.4% |
| Equity10/15 | €7k | €29k | €50k | €52k | €60k | ▲ 16.0% |
| Contributions10/11 | - | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €2k | €24k | €45k | €47k | €55k | ▲ 17.7% |
| Amounts payable17/49 | €9k | €25k | €5k | €5k | €13k | ▲ 164% |
| Amounts payable within one year42/48 | €9k | €25k | €5k | €5k | €13k | ▲ 164% |
| Trade debts44 | €2k | €16k | €1k | €1k | €2k | ▲ 16.6% |
| Suppliers440/4 | - | €16k | €1k | €1k | €2k | ▲ 16.6% |
| Taxes, remuneration and social security45 | - | €5k | - | - | €7k | - |
| Taxes450/3 | - | €5k | - | - | €7k | - |
| Other amounts payable47/48 | - | €4k | €3k | €3k | €3k | ▲ 1.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €22k | €21k | €2k | €20k | ▲ 770% |
| + Depreciation and write-downs630 | €1k | €2k | €2k | €3k | €4k | ▲ 15.9% |
| Operating cash flow (approximation) | €3k | €23k | €23k | €5k | €24k | ▲ 335% |
| Investment in fixed assets (approximation) | - | €-2k | €-5k | €-5k | €0 | ▲ 100% |
| Change in cash | - | €32k | €-20k | €-3k | €21k | ▲ 707% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Liquidity times 5current ratio 9.72
Current ratio from 1.92 to 9.72; short-term debt falls from €25k to €5k.
2022
09-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2020net €22k ▲1,149%
Operating result €30k, net result €22k, both a record.
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Balen · 1 establishment unit since 2019
Ground area
1,095 m²
Building footprint
137 m²
Volume, LiDAR
925 m³
Parcel 13342B0892/00F000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Josane
since 20192.289.963.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13342B0892/00F000 | Flanders | 1,095 m² | 1 · 137 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,027 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-06-2019
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
82990Other business support services
Contact
E-mail
vanhovesara@hotmail.com
Scores and ratios are computed by Checked and are not a credit decision.