JOSCO
0448.973.309 · rovalta.com · 22/09/2026
ACTIVE
JOSCO
Financial year 2025 · closed on 31/12/2025
Net result
-15,2 k €
-132.5% YoY
Gross margin
61 k €
-56.8% YoY
Equity
99 k €
-13.3% YoY
Overview
What does JOSCO do?
JOSCO is a Private limited company incorporated in 1992. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Antwerpen.
Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0448.973.309
Incorporation
15/12/1992
Legal form
Private limited company
Registered office
Lange Beeldekensstraat 149-151
2060 Antwerpen · FlandreSee on map
2060 Antwerpen · FlandreSee on map
Contributed capital
99 500,00 €
Latest accounts
31/12/2025
Activities (NACE)
Joint committees (2)
- 307
- 3070
Signals
Solid equityGood liquidityPositive EBITDAHealthy social debts
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Financials
Trend over 20 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | ||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||||||||||||||||||||||||||||||||
| Gross margin | 61 k € | -56.8% | 141,1 k € | +103% | 69,7 k € | -7.4% | 75,2 k € | +14.1% | 65,9 k € | -6.9% | 70,8 k € | -53.8% | 153,2 k € | +234% | 45,9 k € | -17.5% | 55,6 k € | +22.0% | 45,6 k € | -46.6% | 85,4 k € | +5.3% | 81,1 k € | +6.5% | 76,1 k € | +20.2% | 63,3 k € | -4.6% | 66,4 k € | -14.6% | 77,7 k € | +29.3% | 60,1 k € | +28.0% | 47 k € | -44.7% | 84,8 k € | +46.8% | 57,8 k € |
| EBITDA | 3,2 k € | -96.5% | 93,4 k € | +234% | 28 k € | -29.0% | 39,4 k € | +3.4% | 38,1 k € | -26.6% | 51,9 k € | -62.4% | 138 k € | +347% | 30,9 k € | -34.4% | 47,1 k € | +20.8% | 39 k € | -52.8% | 82,5 k € | +5.5% | 78,2 k € | +6.3% | 73,6 k € | +21.2% | 60,7 k € | -5.1% | 63,9 k € | -15.0% | 75,2 k € | +30.4% | 57,7 k € | +29.3% | 44,6 k € | -45.6% | 81,9 k € | +47.5% | 55,5 k € |
| Operating result | -11,4 k € | -115% | 74,2 k € | +749% | 8,7 k € | -64.2% | 24,4 k € | +14.8% | 21,3 k € | -46.9% | 40,1 k € | -68.7% | 128,2 k € | +451% | 23,3 k € | -30.7% | 33,6 k € | +38.3% | 24,3 k € | -62.6% | 64,8 k € | +8.0% | 60 k € | +16.4% | 51,5 k € | +21.5% | 42,4 k € | -2.0% | 43,3 k € | -22.4% | 55,7 k € | +52.3% | 36,6 k € | +43.7% | 25,5 k € | -60.5% | 64,4 k € | +65.9% | 38,8 k € |
| Net result | -15,2 k € | -133% | 46,7 k € | +3066% | -1,6 k € | -113% | 12,2 k € | +8.9% | 11,2 k € | -73.0% | 41,7 k € | -55.5% | 93,5 k € | +528% | 14,9 k € | -9.7% | 16,5 k € | +40.5% | 11,7 k € | -69.1% | 38 k € | +9.1% | 34,8 k € | +15.6% | 30,1 k € | +21.6% | 24,7 k € | -4.3% | 25,8 k € | -21.5% | 32,9 k € | +70.8% | 19,3 k € | +62.6% | 11,9 k € | -66.6% | 35,5 k € | +70.1% | 20,9 k € |
| Balance sheet | |||||||||||||||||||||||||||||||||||||||
| Equity | 99 k € | -13.3% | 114,2 k € | 0.0% | 114,2 k € | -1.4% | 115,8 k € | +0.0% | 115,8 k € | +0.0% | 115,7 k € | +1.4% | 114,1 k € | +0.5% | 113,5 k € | +0.0% | 113,5 k € | +0.4% | 113 k € | -9.2% | 124,5 k € | +2.4% | 121,6 k € | +1.1% | 120,3 k € | +0.1% | 120,2 k € | +0.2% | 119,9 k € | 0.0% | 119,9 k € | +0.8% | 119 k € | -0.2% | 119,2 k € | +0.0% | 119,2 k € | +16.0% | 102,7 k € |
| Total assets | 282 k € | -17.8% | 342,9 k € | +22.2% | 280,5 k € | -8.1% | 305,2 k € | -4.1% | 318,4 k € | -3.6% | 330,3 k € | -17.3% | 399,2 k € | +79.4% | 222,5 k € | -3.1% | 229,5 k € | -10.2% | 255,6 k € | -13.1% | 294,2 k € | -8.9% | 323 k € | -0.7% | 325,1 k € | +16.2% | 279,7 k € | -9.6% | 309,4 k € | +2.7% | 301,3 k € | -3.9% | 313,4 k € | +1.7% | 308,2 k € | -8.5% | 337 k € | +12.0% | 300,9 k € |
| Cash | 84,5 k € | -33.7% | 127,4 k € | +133% | 54,6 k € | -15.1% | 64,3 k € | -20.6% | 80,9 k € | +8.0% | 74,9 k € | -69.8% | 247,9 k € | +178% | 89,2 k € | -9.5% | 98,6 k € | -24.2% | 130 k € | -14.9% | 152,7 k € | -1.7% | 155,2 k € | -3.4% | 160,7 k € | +41.4% | 113,7 k € | -3.7% | 118,1 k € | +25.9% | 93,8 k € | -7.0% | 100,9 k € | +13.2% | 89,1 k € | +15.6% | 77,1 k € | +34.8% | 57,2 k € |
| Debts | 183 k € | -20.0% | 228,7 k € | +37.5% | 166,3 k € | -12.2% | 189,4 k € | -6.5% | 202,6 k € | -5.6% | 214,6 k € | -24.7% | 285,1 k € | +162% | 109 k € | -6.1% | 116 k € | -18.6% | 142,5 k € | -16.0% | 169,6 k € | -15.8% | 201,4 k € | -1.7% | 204,8 k € | +28.4% | 159,5 k € | -15.8% | 189,4 k € | +4.4% | 181,4 k € | -6.7% | 194,4 k € | +2.9% | 189 k € | -13.2% | 217,8 k € | +9.9% | 198,2 k € |
Estimate
Indicative valuation
As an indication, this company is worth
between 250 k€ and 500 k€
See the valuationGovernance
Board of directors
Seen on filing of 31/12/2025 · 1 active · 2 ended
Active mandates
Dirk Smolders
ActiveEnded mandates
Dirk SMOLDERS
EndedDIRK SMOLDERS
EndedFinancials
Annual accounts
Full financial information
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Micro model | Micro model | Micro model | Micro model | Micro model | Micro model |
| Start of the financial year | 01/01/2025 | 01/01/2024 | 01/01/2023 | 01/01/2022 | 01/01/2021 | 01/01/2020 |
| Closing of the financial year | 31/12/2025 | 31/12/2024 | 31/12/2023 | 31/12/2022 | 31/12/2021 | 31/12/2020 |
| Length of the financial year | 12 months | 12 months | 12 months | 12 months | 12 months | 12 months |
| Filing date | 06/08/2026 | 20/08/2025 | 01/08/2024 | 21/08/2023 | 16/08/2022 | 04/08/2021 |
| General meeting | 29/05/2026 | 30/05/2025 | 31/05/2024 | 31/05/2023 | 31/05/2022 | 31/05/2021 |
| Currency of the financial year | EUR | EUR | EUR | EUR | EUR | EUR |
| NBB quality label | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls |
Ratios
Financial ratios
Looking for more information about this company?
Try for 7 daysFilings
Annual accounts filings
20 filings with the NBB
| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Micro model | 31/12/2025 | 29/05/2026 | 06/08/2026 | Dutch | |
| Micro model | 31/12/2024 | 30/05/2025 | 20/08/2025 | Dutch | |
| Micro model | 31/12/2023 | 31/05/2024 | 01/08/2024 | Dutch | |
| Micro model | 31/12/2022 | 31/05/2023 | 21/08/2023 | Dutch | |
| Micro model | 31/12/2021 | 31/05/2022 | 16/08/2022 | Dutch | |
| Micro model | 31/12/2020 | 31/05/2021 | 04/08/2021 | Dutch | |
| Micro model | 31/12/2019 | 29/05/2020 | 05/08/2020 | Dutch | |
| Micro model | 31/12/2018 | 31/05/2019 | 27/08/2019 | Dutch | |
| Micro model | 31/12/2017 | 31/05/2018 | 27/08/2018 | Dutch | |
| Micro model | 31/12/2016 | 31/05/2017 | 11/08/2017 | Dutch | |
| Abridged model | 31/12/2015 | 31/05/2016 | 04/08/2016 | Dutch | |
| Abridged model | 31/12/2014 | 29/05/2015 | 06/08/2015 | Dutch | |
| Abridged model | 31/12/2013 | 30/05/2014 | 20/08/2014 | Dutch | |
| Abridged model | 31/12/2012 | 31/05/2013 | 26/08/2013 | Dutch | |
| Abridged model | 31/12/2011 | 31/05/2012 | 07/08/2012 | Dutch | |
| Abridged model | 31/12/2010 | 31/05/2011 | 10/08/2011 | Dutch | |
| Abridged model | 31/12/2009 | 31/05/2010 | 26/07/2010 | Dutch | |
| Abridged model | 31/12/2008 | 29/05/2009 | 11/08/2009 | Dutch | |
| Abridged model | 31/12/2007 | 11/06/2008 | 04/07/2008 | Dutch | |
| Abridged model | 31/12/2006 | 31/07/2007 | 03/08/2007 | Dutch |
Valuation
Estimate
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 250 k€ and 500 k€
The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Governance
Board of directors
Seen on filing of 31/12/2025 · 1 active · 2 ended
Active mandates
Dirk Smolders
ActiveEnded mandates
Dirk SMOLDERS
EndedDIRK SMOLDERS
EndedShareholders
Ownership and network
Looking for more information about this company?
Try for 7 daysPublications
Belgian Official Gazette
Belgian Official Gazette publications
- Mandates17/12/2021STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - DOEL - ONTSLAGEN - BENOEMINGEN
- Capital / shares18/10/2016KAPITAAL - AANDELEN
- Capital / shares13/10/2006KAPITAAL - AANDELEN
- Capital / shares22/04/2004DOEL - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - ALGEMENE VERGADERING - KAPITAAL - AANDELEN
Source: Belgian Official Gazette
Similar companies
Competition
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 2025-15,2 k €↓
- 2024Annual accounts 202446,7 k €↑
- 2023Annual accounts 2023-1,6 k €↓
- 2022Annual accounts 202212,2 k €↑
- 2021Annual accounts 202111,2 k €↓
- 2020Annual accounts 202041,7 k €↓
- 2019Annual accounts 201993,5 k €↑
- 2018Annual accounts 201814,9 k €↓
- 2017Annual accounts 201716,5 k €↑
- 2016Annual accounts 201611,7 k €↓
- 2015Annual accounts 201538 k €↑
- 2014Annual accounts 201434,8 k €↑
- 2013Annual accounts 201330,1 k €↑
- 2012Annual accounts 201224,7 k €↓
- 2011Annual accounts 201125,8 k €↓
- 2010Annual accounts 201032,9 k €↑
- 2009Annual accounts 200919,3 k €↑
- 2008Annual accounts 200811,9 k €↓
- 2007Annual accounts 200735,5 k €↑
- 2006Annual accounts 200620,9 k €
- 15/12/1992IncorporationPrivate limited company