R. JOOSSENS
ActiveThe computed 12-month bankruptcy probability of R. JOOSSENS is 2.8% (moderate). The 2025 annual accounts show negative equity (€-44k) and a net result of €-10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 4488 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
18
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.02 against 0.03 in 2024; short-term debt: 614% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 49
Relative position
BE, all sectors
reference
Sector 49
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
-514%
Return on assets
-115.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-44k
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
26 d late
2023
43 d early
2022
17 d late
2021
47 d early
2020
61 d late
2019
97 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-44k▼ 28.9%
2024 · €-34k
2018: €56k
2019: €69k
2020: €74k
2021: €99k
2022: €156k
2023: €140k
2024: €-34k
2018 → 2025
Total assets
€9k▼ 36.9%
2024 · €14k
2018: €168k
2019: €162k
2020: €172k
2021: €247k
2022: €206k
2023: €157k
2024: €14k
2018 → 2025
Net result
€-10k▲ 72.7%
2024 · €-36k
2018: €-6k
2019: €13k
2020: €5k
2021: €25k
2022: €57k
2023: €-16k
2024: €-36k
2018 → 2025
Working capital
€-52k▼ 11.9%
2024 · €-47k
2018: €31k
2019: €63k
2020: €79k
2021: €52k
2022: €141k
2023: €129k
2024: €-47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€156k▲ 58.0%€140k▼ 10.4%€-34k€-44k▼ 28.9%
Operating result€-6k-€74k€-16k€-36k▼ 125%€-10k▲ 72.5%
Net result€25k-€57k▲ 130%€-16k€-36k▼ 124%€-10k▲ 72.7%
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 €10k in 2025 against €36k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9k
Fixed assets
€8k▼ 36.1%
Current assets
€875▼ 43.7%
Key figures and ratios
EBITDA
€-6k▲
2024 · €-31k
Cash flow
€-6k▲
2024 · €-32k
Solvency
-514.0%▼
2024 · -251.5%
Current ratio
0.02▼
2024 · 0.03
Quick ratio
0.02▼
2024 · 0.03
Debt / equity
-1.19▲
2024 · -1.40
ROA
-115.1%▲
2024 · -266.1%
Interest coverage
-92.28▲
2024 · -114.97
Debt
€53k▲
2024 · €48k
Debt ≤ 1 year
€53k▲
2024 · €48k
Income taxes
€0▼
2024 · €275
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€14k€9k▼
Fixed assets21/28€12k€8k▼
Intangible fixed assets21€8k€6k▼
Tangible fixed assets22/27€3k€598▼
Furniture and vehicles24€3k€598▼
Financial fixed assets28€955€955=
Current assets29/58€2k€875▼
Amounts receivable within one year40/41€1k€515▼
Trade receivables40€472€347▼
Other amounts receivable41€684€168▼
Cash at bank and in hand54/58€13€0▼
Deferred charges and accrued income490/1€386€359▼
Equity and liabilities
Total equity and liabilities10/49€14k€9k▼
Equity10/15€-34k€-44k▼
Contributions10/11€2k€2k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€-36k€-46k▼
Amounts payable17/49€48k€53k▲
Amounts payable within one year42/48€48k€53k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€13k€530▼
Suppliers440/4€13k€530▼
Other amounts payable47/48€35k€50k▲
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-30k€-4k▲
Operating profit (loss)9901€-36k€-10k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€270€60▼
Recurring financial charges65€270€60▼
Profit (loss) for the period before taxes9903€-36k€-10k▲
Income taxes67/77€275€0▼
Profit (loss) for the period9904€-36k€-10k▲
Profit (loss) for the period to be appropriated9905€-36k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€77k€-46k▼
Profit (loss) brought forward from the previous period14P€113k€-36k▼
Transfer from equity791/2€2k€0▼
Profit to be distributed694/7€116k€0▼
Return on contributions (dividend)694€116k€0▼
The notes to these accounts (13 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 8.28
Current ratio from 3.87 to 8.28; short-term debt falls from €49k to €18k.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Highest result since 2018net €57k ▲130%
Operating result €74k, net result €57k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.87
Current ratio from 1.62 to 3.87; short-term debt falls from €84k to €49k.
31-12
Financial
Equity above €150kEq €156k ▲58%
4 profitable years in a row build equity to €156k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
01-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Zoersel · 1 establishment unit since 2014
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.
Olmenlei 102980 ZoerselGround area
2,771 m²
Building footprint
234 m²
Volume, LiDAR
1,468 m³
Parcel 11055A0019/00X004, Flanders · tallest building 14.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
House Of Bids
since 20142.232.491.028
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0019/00X004 | Flanders | 2,771 m² | 1 · 234 m² | 14.5 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,322 EUR awarded · 1,322 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 74 EUR | 74 EUR |
| 2024 | 1 | 1,248 EUR | 1,248 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,195. 6,364 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2014
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
95313Repair and fitting of specific motor vehicle parts
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.