Debts
€141,481 87% of the balance sheet
Financial debts 3%Suppliers 0%Other 97%
Of this, €135,539 falls due within a year.
JOVAMCO
Lifetime
20 annual accounts with figures on one time axis, 33 filings since 1993peak €37,584 (2008)
€22,489▼ 7.4%
lowest -€12,217 (2006)
€5,114▼ 57.3%
peak €21,666 (2025)
€21,666▲ 30.9%
€141,481▼ 0.7%
Board4 names since 2019
3 directorsVanhamel Frederik and 2 others
Documentsfilings and deeds
29-06-202632 days before the deadline
2025abbreviated format
Result from €11,972 to €5,114Equity from €16,552 to €21,666
Key points
from the 2025 annual accountsInvestments
€13,332 1.7 × depreciation
Green is investment, beige is depreciation.
Position in the sector
€21,666
Less equity than 87% of companies in auxiliary financial services. Sector median €253,399 · 1,861 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Three signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1861 sector peers (2025).
NBB · sector comparisonPosition among 1861 sector peers
Solvency
better than 23%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €21,666
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
13 days early
2023
33 days early
2022
6 days early
2021
19 days late
2020
26 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 18 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0448720515
Change of role: VANHAMEL Jan Frederik, from managing director to sole director
Resignation: ALBERGHS Sylvia Josepha (director) · “Onderneming in onroerende goederen:dit omvat onder meer de verwerving,de vervreemding,het beheer,de…” (deed in Dutch) · Director discharge: VANHAMEL Jan Frederik · General meeting of 27-06-2023 · Gazette deed
Appointments: Vanhamel Jan Frederik (director) and Alberghs Sylvia (director)
General meeting of 09-05-2022 · Gazette deed
1 director appointed, 2 reappointments
Reappointments: Vanhamel Jan and Vanhamel Frederik · Appointment: Vanhamel Jan (chair) · General meeting of 02-05-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JOVAMCO Beringen | €163,147 | €22,489 | 13.3% | - |
| M.N.S. Middelkerke | €137,093 | €21,449 | 49.1% | - |
| Groep Somers-Lauriks Antwerp | €144,881 | €21,341 | 43.8% | - |
| I.B.A.A. CONSULT Antwerp | €145,476 | €18,603 | 69.5% | - |
| GODASSUR Deinze | €162,212 | €28,932 | 92.6% | - |
| MASLO Roeselare | €125,499 | €29,135 | 76.3% | 0 |
| ARS-BILLE ASSURANCES Ath | €221,839 | €22,369 | 99.4% | - |
These companies have the same main activity as JOVAMCO: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €125,000 and €222,000, founded between 1982 and 1997.
Official details
Source: KBO- Status
- Active since 20-11-1992Normal situation
- Activity
- Insurance agents and brokersNACE 66220and 1 other
- Establishment unit
- 2.060.507.8503580 Beringen, since 27-01-1993
- Financial year end
- 31 December
- Peppol
- Reachable since 16-10-2024
Annual accounts 2025
- €163,147▲ 2.6%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on JOVAMCO
JOVAMCO files the abbreviated format. That format states no turnover. The gross margin rose from €13,243 in 2006 to €22,489 in 2025.
The balance sheet grew most from 2016 to 2018 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JOVAMCO
- What is the company number of JOVAMCO?
- The company number of JOVAMCO is 0448.720.515. The VAT number is the same number with BE in front: BE 0448.720.515.
- Where is JOVAMCO based?
- The registered office is at Brugstraat 24, 3580 Beringen.Company details
- What does JOVAMCO do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of JOVAMCO?
- JOVAMCO is a public limited company (NV).
- When was JOVAMCO founded?
- JOVAMCO was founded on 20-11-1992.
- Is JOVAMCO still active?
- Yes, JOVAMCO is an active enterprise in the KBO register.
- What is the turnover of JOVAMCO?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €22,489 and 2,728 comparable companies of the same size. It probably lies between €63,000 and €380,000. It is a rough estimate.Financials
- Is JOVAMCO profitable?
- In financial year 2025, JOVAMCO made a profit of €5,114.
- Where can I find the annual accounts of JOVAMCO?
- JOVAMCO filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JOVAMCO due?
- JOVAMCO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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