Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 12 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JOCI from Hechtel-Eksel, company number BE0674834344, closed financial year 2025 with a result of € -16,185 after tax. For that financial year JOCI recorded a gross margin of € 8,506 and equity of € 3,511. Compared with financial year 2024, the result moved from € 2,228 to € -16,185. The company made a loss. The buffer shrank hard: equity is 82 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 10, 2026.
€ 3,511
▼ 82% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -16,185
▼ still € 2,228 profit in 2024
Profit after tax over the fiscal year.
€ 11,064
▲ 86% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -15,089.
People and assets in 2025
€ 514
▼ 54% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 106,986
▼ 3% vs 2024
€ 34,691 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 5,498
▲ 166% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 38,352 | € 43,841 | € 31,676 | € 8,506 | ▼ 73% |
| Profit after taxes | € 10,245 | € 6,882 | € 2,228 | € -16,185 | ▼ € 18,413 |
| Equity | € 10,586 | € 17,468 | € 19,696 | € 3,511 | ▼ 82% |
| Total debts | € 276,499 | € 236,537 | € 215,942 | € 210,383 | ▼ 3% |
| Cash | € 15,550 | € 10,921 | € 5,957 | € 11,064 | ▲ 86% |
| Land & buildings | € 170,144 | € 159,909 | € 149,674 | € 139,438 | ▼ 7% |
| Retained profit | € -8,014 | € -1,132 | € 1,096 | € -15,089 | ▼ € 16,185 |
| Bank debt | € 148,900 | € 128,837 | € 110,562 | € 106,986 | ▼ 3% |
| Balance sheet total | € 287,084 | € 254,005 | € 235,638 | € 213,894 | ▼ 9% |
Key figures of JOCI, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to JOCI?
What happened at JOCI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 16,185 (▼ € 18,413 vs 2024). Source: NBB ↗
- New establishment in Hechtel-Eksel. KBO
- Start of the company according to the CBE. KBO
In short
From € 10,245 profit in 2022 to € 16,185 loss in 2025.
Paid € 5,092 in corporate taxes since 2022.
Best year ever: 2022, with € 10,245 profit.
Management
Behind JOCI are Joris Bernaerdts and Cindy Smets.
Directors
According to the 2025 annual accounts
Joris Bernaerdts
Director
Cindy Smets
Director
Establishments
Establishment units
Physical locations of this company
Steenovenstraat 33 box 5
3940 Hechtel-Eksel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0674.834.344
- VAT number
- BE 0674.834.344
- Registered office
- Steenovenstraat 33 bus 5, 3940 Hechtel-Eksel
- Names & denominations
- JOCI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 April 2017
- Peppol
- Active · Active since 6 Oct 2025
- Activities · NACE
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