Josée
ActiveJosée has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €104k and a net result of €20k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 76% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability87▼-13
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.23 against 4.1 in 2023; short-term debt: 23.4% and cash: 77.8% of total assets), and 23.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-06-2025, 32 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
32 d early
2023
28 d late
2022
32 d early
2021
33 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€104k▲ 23.7%
2023 · €84k
2021: €32k
2022: €50k
2023: €84k
2021 → 2024
Total assets
€136k▲ 22.4%
2023 · €111k
2021: €59k
2022: €74k
2023: €111k
2021 → 2024
Net result
€20k▼ 40.9%
2023 · €34k
2021: €30k
2022: €19k
2023: €34k
2021 → 2024
Working capital
€102k▲ 23.2%
2023 · €83k
2021: €31k
2022: €50k
2023: €83k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€32k-€50k▲ 59.6%€84k▲ 66.8%€104k▲ 23.7%
Operating result€42k-€27k▼ 35.9%€47k▲ 77.2%€28k▼ 40.0%
Net result€30k-€19k▼ 37.4%€34k▲ 78.9%€20k▼ 40.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 40% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €136k
Fixed assets
€2k▲ 64.8%
Current assets
€134k▲ 22.0%
Equity and liabilities €136k
Equity
€104k▲ 23.7%
Debt
€32k▲ 18.3%
The debt ratio falls from 24.2% to 23.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€29k▼
2023 · €48k
Cash flow
€21k▼
2023 · €34k
Solvency
76.6%▲
2023 · 75.8%
Current ratio
4.23▲
2023 · 4.10
Quick ratio
4.23▲
2023 · 4.10
Debt / equity
0.31▼
2023 · 0.32
ROE
19.1%▼
2023 · 40.0%
ROA
14.7%▼
2023 · 30.4%
Interest coverage
298.30▼
2023 · 485.91
Debt
€32k▲
2023 · €27k
Debt ≤ 1 year
€32k▲
2023 · €27k
Income taxes
€8k▼
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€111k€136k▲
Fixed assets21/28€1k€2k▲
Intangible fixed assets21€152€76▼
Tangible fixed assets22/27€875€2k▲
Plant, machinery and equipment23€875€2k▲
Current assets29/58€110k€134k▲
Amounts receivable within one year40/41€18k€28k▲
Trade receivables40€18k€28k▲
Cash at bank and in hand54/58€92k€106k▲
Equity and liabilities
Total equity and liabilities10/49€111k€136k▲
Equity10/15€84k€104k▲
Contributions10/11€2k€2k=
Outside capital11€2k€2k=
Share premium1100/10€2k€2k=
Reserves13€83k€103k▲
Distributable reserves133€83k€103k▲
Amounts payable17/49€27k€32k▲
Amounts payable within one year42/48€27k€32k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€20k€22k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€368€712▲
Other operating charges640/8€344€650▲
Gross operating margin9900€48k€30k▼
Operating profit (loss)9901€47k€28k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€98€98▼
Recurring financial charges65€98€98▼
Profit (loss) for the period before taxes9903€47k€28k▼
Income taxes67/77€13k€8k▼
Profit (loss) for the period9904€34k€20k▼
Profit (loss) for the period to be appropriated9905€34k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€20k▼
Transfer to equity691/2€34k€20k▼
To other reserves6921€34k€20k▼
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
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €104k ▲23.7%
4 profitable years in a row build equity to €104k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2021net €34k ▲78.9%
Operating result €47k, net result €34k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €19k ▼37.4%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Vilvoorde · 1 establishment unit since 2021
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.
Hoveniersstraat 91800 VilvoordeGround area
123 m²
Building footprint
87 m²
Volume, LiDAR
528 m³
Parcel 23644H0008/00B005, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Josée
since 20212.312.172.271
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23644H0008/00B005 | Flanders | 123 m² | 1 · 87 m² | 11.2 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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 7,192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2021
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.