J.A.V. Services
ActiveJ.A.V. Services has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €336. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 43% of 4760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability5▼-95
Solvency62▼-11
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.9 in 2024), and 54.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
7 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.5%
Return on assets
0.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
57 d late
2023
61 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 1.0%
2024 · €35k
2023: €17k
2024: €35k
2023 → 2025
Total assets
€77k▲ 26.5%
2024 · €61k
2023: €39k
2024: €61k
2023 → 2025
Net result
€336▼ 98.1%
2024 · €18k
2023: €14k
2024: €18k
2023 → 2025
Working capital
€-9k▼ 244%
2024 · €-3k
2023: €-4k
2024: €-3k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€17k-€35k▲ 103%€35k▲ 1.0%
Operating result€18k-€23k▲ 28.4%€4k▼ 82.1%
Net result€14k-€18k▲ 25.4%€336▼ 98.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 82% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€55k▲ 46.6%
Current assets
€23k▼ 5.2%
Equity and liabilities €77k
Equity
€35k▲ 1.0%
Debt
€42k▲ 60.2%
The debt ratio rises from 43.1% to 54.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€22k▼
2024 · €36k
Cash flow
€18k▼
2024 · €30k
Solvency
45.5%▼
2024 · 56.9%
Current ratio
0.72▼
2024 · 0.90
Quick ratio
0.72▼
2024 · 0.90
Debt / equity
1.20▲
2024 · 0.76
ROE
1.0%▼
2024 · 50.8%
ROA
0.4%▼
2024 · 28.9%
Interest coverage
8.33▼
2024 · 109.13
Debt
€42k▲
2024 · €26k
Debt ≤ 1 year
€31k▲
2024 · €26k
Debt > 1 year
€11k
Income taxes
€1k▼
2024 · €5k
Staff costs
€259
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
Balance sheet
Code2025
Total assets
20/58€77k
Fixed assets
21/28€55k
Tangible fixed assets
22/27€51k
Financial fixed assets
28€4k
Current assets
29/58€23k
Amounts receivable within one year
40/41€16k
Cash & bank
54/58€6k
Total equity & liabilities
10/49€77k
Equity
10/15€35k
Contributions / capital
10/11€3k
Accumulated profits (losses)
14€32k
Amounts payable
17/49€42k
Amounts payable after one year
17€11k
Amounts payable within one year
42/48€31k
Trade debts payable within one year
44€2k
Income statement
Code2025
Gross operating margin
9900€23k
Operating result
9901€4k
Financial charges
65€3k
Result before taxes
9903€2k
Income taxes
67/77€1k
Net result for the period
9904€336
Result to be appropriated
9905€336
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €336 ▼98.1%
Net result drops to €336, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Highest result since 2023net €18k ▲25.4%
Operating result €23k, net result €18k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Structure & network
Ownership & control
1 partyJ.A.V. ServicesBE 0802.627.488
controls
Where this company holds controlthis company sits on their board1
1 location
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
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SGCT Consulting
BE 1004.470.434
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Van Havermaet bedHRijvig
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Of 82,341 companies in sector 70200 we hold annual accounts for 50,889. 34,397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47120Other non-specialised retail sale
47910Retail trade
52230Warehousing and support activities for transportation
85532Education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 04-08-2026. Scores and ratios are computed by Checked and are not a credit decision.