JOZO
ActiveSummary
The computed 12-month bankruptcy probability of JOZO is 3.0% (moderate). The 2025 annual accounts show equity of €41k and a net result of €-12k. Equity is shrinking by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 27786 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-6
Solvency100=
Growth32=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 9.16 against 5.29 in 2024; short-term debt: 10.9% and cash: 12.6% of total assets), and 11.7% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.3%
Return on assets
-25.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-12k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
7 d early
2024
1 d early
2023
26 d late
2022
24 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 22.1%
2024 · €53k
2022: €64k
2023: €60k
2024: €53k
2022 → 2025
Total assets
€47k▼ 28.1%
2024 · €65k
2022: €98k
2023: €80k
2024: €65k
2022 → 2025
Net result
€-12k▼ 73.3%
2024 · €-7k
2022: €54k
2023: €-549
2024: €-7k
2022 → 2025
Working capital
€42k▼ 19.6%
2024 · €52k
2022: €57k
2023: €56k
2024: €52k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€64k-€60k▼ 5.6%€53k▼ 11.3%€41k▼ 22.1%
Operating result€67k-€-848€-6k▼ 652%€-12k▼ 90.6%
Net result€54k-€-549€-7k▼ 1,138%€-12k▼ 73.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€180 ▼ 87.4%
Current assets
€47k ▼ 26.8%
Equity and liabilities €47k
Equity
€41k ▼ 22.1%
Debt
€6k ▼ 54.4%
Debt's share of the balance-sheet total falls from 18.5% to 11.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-11k▼
2024 · €-4k
Cash flow
€-11k▼
2024 · €-4k
Current ratio
9.16▲
2024 · 5.29
Quick ratio
7.91▲
2024 · 4.22
Debt to equity
0.13▼
2024 · 0.23
ROE
-28.5%▼
2024 · -12.8%
ROA
-25.1%▼
2024 · -10.4%
Debt ≤ 1 year
€5k▼
2024 · €12k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€65k€47k▼
Fixed assets21/28€1k€180▼
Tangible fixed assets22/27€1k-
Furniture and vehicles24€1k-
Financial fixed assets28€180€180▼
Current assets29/58€64k€47k▼
Stocks and contracts in progress3€13k€6k▼
Stocks30/36€13k€6k▼
Amounts receivable within one year40/41€22k€33k▲
Trade receivables40€19k€18k▼
Other amounts receivable41€3k€16k▲
Cash at bank and in hand54/58€27k€6k▼
Deferred charges and accrued income490/1€2k€993▼
Equity and liabilities
Total equity and liabilities10/49€65k€47k▼
Equity10/15€53k€41k▼
Contributions10/11€10k€10k=
Reserves13€30k€30k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€13k€1k▼
Amounts payable17/49€12k€6k▼
Amounts payable within one year42/48€12k€5k▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€3k-
Taxes450/3€33-
Remuneration and social security454/9€3k-
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Remuneration, social security and pensions62€7k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€599€1k▲
Gross operating margin9900€4k€-10k▼
Operating profit (loss)9901€-6k€-12k▼
Financial income75/76B€15€378▲
Recurring financial income75€15€378▲
Financial charges65/66B€402-
Recurring financial charges65€402-
Profit (loss) for the period before taxes9903€-7k€-12k▼
Income taxes67/77€33-
Profit (loss) for the period9904€-7k€-12k▼
Profit (loss) for the period to be appropriated9905€-7k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€1k▼
Profit (loss) brought forward from the previous period14P€20k€13k▼
The notes to these accounts (6 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 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, Liège · 1 establishment unit since 2022
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 des Fagnes 214020 LiègeGround area
181 m²
Building footprint
61 m²
Volume, LiDAR
507 m³
Parcel 62020B0105/00X000, Wallonia · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JOZO
since 20222.329.832.211
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62020B0105/00X000 | Wallonia | 181 m² | 1 · 61 m² | 9.0 m · 3 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.
Similar companies · same sector, comparable size
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F.M.R.
BE 0434.259.793
Tubize · Eq €42,131
PPD
BE 0664.869.276
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DA Concept
BE 0767.512.203
Herstal · Eq €42,526
Of 914 companies in sector 43333 we hold annual accounts for 400. 320 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43333Wallpapering and laying of floor and wall coverings in other materials
43310Plastering work
43332Laying of wooden floor and wall coverings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@sabljic.be
Phone:+32475858032