Kris Jochems
ActiveKris Jochems has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €34k and a net result of €3k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+5
Solvency35▼-1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.87 against 0.78 in 2023; short-term debt: 86% and cash: 1.5% of total assets), and 90.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
9.7%
Return on assets
0.7%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
58 d late
2022
91 d late
2021
82 d late
2020
90 d late
2019
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€34k▲ 8.1%
2023 · €31k
2018: €40k
2019: €43k
2020: €48k
2021: €57k
2022: €59k
2023: €31k
2018 → 2024
Total assets
€347k▲ 25.7%
2023 · €276k
2018: €142k
2019: €139k
2020: €306k
2021: €502k
2022: €487k
2023: €276k
2018 → 2024
Net result
€3k
2023 · €-9k
2018: €2k
2019: €3k
2020: €6k
2021: €9k
2022: €2k
2023: €-9k
2018 → 2024
Working capital
€-38k▲ 23.9%
2023 · €-50k
2018: €-3k
2019: €-26k
2020: €-38k
2021: €-33k
2022: €-17k
2023: €-50k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€48k-€57k▲ 18.0%€59k▲ 2.6%€31k▼ 46.8%€34k▲ 8.1%
Operating result€6k-€10k▲ 62.6%€2k▼ 78.1%€-9k€3k
Net result€6k-€9k▲ 55.5%€2k▼ 82.7%€-9k€3k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €3k after a loss of €9k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €347k
Fixed assets
€87k▼ 9.8%
Current assets
€260k▲ 44.7%
Equity and liabilities €347k
Equity
€34k▲ 8.1%
Debt
€313k▲ 27.9%
The debt ratio rises from 88.7% to 90.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▲
2023 · €3k
Cash flow
€15k▲
2023 · €3k
Solvency
9.7%▼
2023 · 11.3%
Current ratio
0.87▲
2023 · 0.78
Quick ratio
0.87▲
2023 · 0.78
Debt / equity
9.30▲
2023 · 7.86
ROE
7.5%▲
2023 · -30.1%
ROA
0.7%▲
2023 · -3.4%
Interest coverage
18.28▲
2023 · 8.53
Debt
€313k▲
2023 · €245k
Debt ≤ 1 year
€298k▲
2023 · €230k
Debt > 1 year
€15k=
2023 · €15k
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€276k€347k▲
Fixed assets21/28€96k€87k▼
Tangible fixed assets22/27€96k€87k▼
Plant, machinery and equipment23€17k€14k▼
Furniture and vehicles24€21k€19k▼
Other tangible fixed assets26€59k€54k▼
Current assets29/58€179k€260k▲
Amounts receivable within one year40/41€174k€254k▲
Trade receivables40€144k€228k▲
Other amounts receivable41€30k€26k▼
Cash at bank and in hand54/58€6k€5k▼
Deferred charges and accrued income490/1-€153
Equity and liabilities
Total equity and liabilities10/49€276k€347k▲
Equity10/15€31k€34k▲
Contributions10/11€19k€19k=
Reserves13€20k€20k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€-8k€-5k▲
Amounts payable17/49€245k€313k▲
Amounts payable after more than one year17€15k€15k=
Financial debts170/4€15k€15k=
Amounts payable within one year42/48€230k€298k▲
Trade debts44€23k€43k▲
Suppliers440/4€23k€43k▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€947€2k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€204k€251k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€8k€21k▲
Operating profit (loss)9901€-9k€3k▲
Financial income75/76B€285€44▼
Recurring financial income75€285€44▼
Financial charges65/66B€296€853▲
Recurring financial charges65€296€853▲
Profit (loss) for the period before taxes9903€-9k€3k▲
Profit (loss) for the period9904€-9k€3k▲
Profit (loss) for the period to be appropriated9905€-9k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-5k▲
Profit (loss) brought forward from the previous period14P€2k€-8k▼
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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Weakest financial yearnet €-9k ▼723%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 82 days late
2021
31-12
Financial
Highest result since 2018net €9k ▲55.5%
Operating result €10k, net result €9k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 60 days late
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 89 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 92 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2015
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.
Pieter Corbeelstraat 2a2170 AntwerpenGround area
207 m²
Building footprint
128 m²
Volume, LiDAR
867 m³
2 parcels, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kris Jochems
since 20152.247.998.853
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11423B0317/00C008 | Flanders | 156 m² | 1 · 78 m² | 9.7 m · 2 fl. |
| 11423B0317/00H014 | Flanders | 50 m² | 1 · 50 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
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.
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Of 7,033 companies in sector 43221 we hold annual accounts for 3,468. 2,799 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-08-2015
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
55100Hotels and similar accommodation
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.