Age27 yrs
Real estate1 parcel · 1,652 m²
Summary
Conclusion
the dossier summarised in one paragraphJoso 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 1998 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 22 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 28-08-2025, 28 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 | 28-08-2025 | 28 d late | 2025-00465197 |
| 31-12-2023 | 31-07-2024 | 30-08-2024 | 30 d late | 2024-00452588 |
| 31-12-2022 | 31-07-2023 | 31-08-2023 | 31 d late | 2023-00389328 |
| 31-12-2021 | 31-07-2022 | 31-08-2022 | 31 d late | 2022-20413067 |
| 31-12-2020 | 31-07-2021 | 30-07-2021 | 1 d early | 2021-46000167 |
| 31-12-2019 | 31-07-2020 | 23-10-2020 | 84 d late | 2020-63700462 |
| 31-12-2018 | 31-07-2019 | 29-08-2019 | 29 d late | 2019-58900143 |
| 31-12-2017 | 31-07-2018 | 27-09-2018 | 58 d late | 2018-67900189 |
| 31-12-2016 | 31-07-2017 | 20-07-2017 | 11 d early | 2017-34400213 |
| 31-12-2015 | 31-07-2016 | 29-07-2016 | 2 d early | 2016-38000108 |
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 signalsLong-established
Founded in 1998, 27 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 everyoneThis 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: NBBFinancials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (verkort). The annual accounts are being processed.
Filings on record
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | verkort | 28-08-2025 | 2025-00465197 |
| 31-12-2023 | verkort | 30-08-2024 | 2024-00452588 |
| 31-12-2022 | verkort | 31-08-2023 | 2023-00389328 |
| 31-12-2021 | verkort | 31-08-2022 | 2022-20413067 |
| 31-12-2020 | verkort | 30-07-2021 | 2021-46000167 |
| 31-12-2019 | verkort | 23-10-2020 | 2020-63700462 |
| 31-12-2018 | verkort | 29-08-2019 | 2019-58900143 |
| 31-12-2017 | verkort | 27-09-2018 | 2018-67900189 |
| 31-12-2016 | verkort | 20-07-2017 | 2017-34400213 |
| 31-12-2015 | verkort | 29-07-2016 | 2016-38000108 |
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (23431377). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
Jonas Van HuffelDirectorState Gazette act 23431377 (21-11-2023)Current21-11-2023 → present
-
Pieter Van HuffelDirectorState Gazette act 23431377 (21-11-2023)Current21-11-2023 → present
-
Sabine LyckeDirectorState Gazette act 23431377 (21-11-2023)Current21-11-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 02-12-1998 |
| Status | Active |
| Postal code | 8301 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Heistlaan 3678301 Knokke-HeistEstablishment units
1 locationHeistlaan 367, 8301 Knokke-Heist
since 20012.098.259.062
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,652 m²
Buildings1
Building footprint399 m²
Volume (LiDAR)2,621 m³
Tallest building10.4 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31024A0091/00X000 | Flanders | 1,652 m² | 1 · 399 m² | 10.4 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 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 2 years ago
2023
21-11-2023 3 directors appointed
- Pieter Van Huffel, Bestuurder
- Sabine Lycke, Bestuurder
- Jonas Van Huffel, Bestuurder
Notary:
Anthony Wittesaele · Tielt
Analysis
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0656.903.202 · Knokke-Heist
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BE 0543.865.439 · Knokke-Heist
BE 0802.400.529 · Knokke-Heist
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 4,662 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van verzekeringsagenten en -makelaars66220Verstrekken van verbruikskrediet64921Verstrekken van hypothecair krediet64922
Primary activity highlighted.
Names & trade names
| Legal nameNL | Joso |
Registered office
Heistlaan 367 bus 11
8301 Knokke-Heist, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.