Turnover
≈ €320,000 estimated
The micro format states no turnover.
JAVAO
Overview
Lifetime
2 annual accounts with figures on one time axispeak €20,005 (2025)
€20,005▲ 5.8%
peak €13,031 (2025)
€13,031▲ 8.1%
peak €28,090 (2025)
€28,090▲ 86.5%
€20,926▼ 15.8%
Board2 names since 2024
1 directorRATAO PANRANA Claudio
Documentsfilings and deeds
18-10-202679 days late
2025micro format
Equity from €15,059 to €28,090Debts from €24,851 to €20,926Cash from €24,921 to €36,332
Key points
from the 2025 annual accountsLiquidity
1.92 was 1.15 in 2024
Short-term debts fell from €24,851 to €20,926.
Starting capital
€3,000 300 shares
2025 accounts filed 79 days after the deadline
Checked score
70
Healthy
Financially stronger than 85% of micro companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2025: 1.8%
05-2025: 1.8%● unchanged vs 04-2025
06-2025: 1.8%● unchanged vs 05-2025
07-2025: 2.2%▲ +0.4 percentage points vs 06-2025
08-2025: 2.3%▲ +0.1 percentage points vs 07-2025
09-2025: 2.6%▲ +0.3 percentage points vs 08-2025highest value
10-2025: 2.6%● unchanged vs 09-2025highest value
11-2025: 1.4%▼ -1.2 percentage points vs 10-2025
12-2025: 1.4%● unchanged vs 11-2025
01-2026: 1.2%▼ -0.2 percentage points vs 12-2025
02-2026: 1.2%● unchanged vs 01-2026
03-2026: 1.3%▲ +0.1 percentage points vs 02-2026
04-2026: 1.3%● unchanged vs 03-2026
05-2026: 1.3%● unchanged vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026
07-2026: 1.3%● unchanged vs 06-2026
08-2026: 1.9%▲ +0.6 percentage points vs 07-2026
09-2026: 2.2%▲ +0.3 percentage points vs 08-2026
10-2026: 0.9%▼ -1.3 percentage points vs 09-2026
11-2026: 0.9%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 79 days late; 2 of the last 3 accounts late
Founded in 2024
Size: total assets €49,016
lowers risk
Liquidity: current ratio 1.92, cash €36,332
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 70% of them on solvency, 84% on liquidity, 96% on profitability and 91% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as JAVAO has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JAVAO itself: 0.9% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for JAVAO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.92 (1.15 in 2024), above the usual 1.5. Short-term debt is 42.7% and cash 74.1% of total assets. 42.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 79 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-10-2026, 79 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
79 days late
2024
64 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 72 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
RP
RATAO PANRANA Claudio
Director, since 28-03-2024
- RATAO PANTANA Claudio 300 sharesdeed of 02-04-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1007740225
Incorporation
Founding capital of €3,000, 300 shares · Founder: RATAO PANTANA Claudio · Appointment: RATAO PANTANA Claudio (director) · published on 02-04-2024 · Gazette deed
First establishment
Rue Joseph-Lambremont 8, Liège
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JAVAO Liège | €49,016 | €20,005 | 57.3% | - |
| YNL Vilvoorde | €53,983 | €16,364 | 45.5% | - |
| Piccola Italia Genk | €62,430 | €30,286 | 11.2% | - |
| Les Couleurs des Thés Tournai | €41,895 | €15,498 | -47.3% | - |
| SKM DHINDSA Heusden-Zolder | €59,225 | €18,739 | 47.3% | - |
| MASKOUR Ghent | €33,182 | €20,096 | 62.0% | - |
| A.M.L. Prima Sint-Pieters-Leeuw | €46,319 | €11,318 | -23.9% | - |
These companies have the same main activity as JAVAO: other retail sale of food (NACE 47279). They are comparable in size and age: total assets between €33,200 and €62,400, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 28-03-2024Normal situation
- Activity
- Other retail sale of foodNACE 47279and 5 others
- Establishment unit
- 2.358.137.6034020 Liège, since 28-03-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 02-01-2026
Annual accounts 2025
- €20,005▲ 5.8%
- €13,031▲ 8.1%
- €28,090▲ 86.5%
- €49,016▲ 22.8%
- Filing
- Filed on 18-10-2026
Insights on JAVAO
JAVAO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28,090 and a net result of €13,031.
Its solvency ranks better than 71% of 22,924 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 18-10-2026, 79 days late€20,005
▲ 5.8%
€15,207
▼ 2.0%
€13,031
▲ 8.1%
€19,224
▲ 413%
57.3%
▲ 19.6 percentage points
1.92
▲ 0.77
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €320,000. Estimated: probably between €160,000 and €670,000.
Balance sheet
balance sheet total €49,016 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
57.3%
Higher than 71% of 22,924 companies in 2025.
1.92
Higher than 62% of 22,052 companies in 2025.
26.6%
Higher than 90% of 22,202 companies in 2025.
JAVAO
Middle half of the sector
80% of the sector
Micro accounts in retail trade (NACE 47)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
49,016 | 39,910 | |
21/28 |
8,866 | 11,312 | |
22/27 |
8,866 | 11,312 | |
23 |
467 | 700 | |
24 |
8,399 | 10,612 | |
29/58 |
40,150 | 28,598 | |
40/41 |
2,587 | 3,509 | |
41 |
2,587 | 3,509 | |
54/58 |
36,332 | 24,921 | |
490/1 |
1,231 | 169 | |
| Balance sheet: equity and liabilities | |||
10/49 |
49,016 | 39,910 | |
10/15 |
28,090 | 15,059 | |
10/11 |
3,000 | 3,000 | |
14 |
25,090 | 12,059 | |
17/49 |
20,926 | 24,851 | |
42/48 |
20,926 | 24,851 | |
44 |
4,367 | 2,345 | |
440/4 |
4,367 | 2,345 | |
45 |
2,593 | 4,327 | |
450/3 |
2,593 | 4,327 | |
47/48 |
13,966 | 18,179 | |
| Income statement | |||
9900 |
20,005 | 18,913 | |
630 |
3,682 | 3,139 | |
640/8 |
- | 263 | |
66A |
1,116 | - | |
9901 |
15,207 | 15,511 | |
75/76B |
0 | 10 | |
75 |
0 | 10 | |
65/66B |
188 | 82 | |
65 |
188 | 82 | |
9903 |
15,019 | 15,439 | |
67/77 |
1,987 | 3,381 | |
9904 |
13,031 | 12,059 | |
9905 |
13,031 | 12,059 | |
| Appropriation of the result | |||
9906 |
25,090 | 12,059 | |
14P |
12,059 | - | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 18-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 79 days after the deadline. Filed on 18 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00562142.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 18,889 | 18,650 | ||
| 16,713 | 15,198 | ||
| 1,235 | 14,451 | ||
| 11,411 | - | ||
| 19,224 | 3,747 | ||
| 57.3% | 37.7% | ||
| 1.92 | 1.15 | ||
| 0.74 | 1.65 | ||
| 46.4% | 80.1% | ||
| 26.6% | 30.2% | ||
| over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €1,235 | €14,451 |
| €3,682 | €3,139 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on JAVAO
The operating result for 2025 is 2% lower than in 2024.
Debt's share of the balance-sheet total falls from 62.3% to 42.7%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationRATAO PANRANA Claudio
Director
since 28-03-2024
listed in the 2025 annual accounts, filed on 18-10-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 02-04-2024
Mandates through the years
2 names, the dashed line is todayRATAO PANRANA Claudio
Director
Director
RATAO PANTANA Claudio
Director (not named in the articles)
Director (not named in the articles)
BoardEarlierend not dated
Mandates as a list
- RATAO PANRANA Claudio
- Director, from 28-03-2024 to date
- RATAO PANTANA Claudio
- Director (not named in the articles), from 28-03-2024, no longer listed in the 2025 annual accounts
Control
Founder
RATAO PANTANA Claudio
This company
JAVAO
Equity €28,090
Profit €13,031 in 2025
Capital
- Contribution
- €3,000
- Shares
- 300
- Contribution per share
- €10
- Equity per share
- €93.63 in 2025
- Source
- deed of 02-04-2024
Articles of association
deed of 02-04-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 02-04-2024 ↗
- RATAO PANTANA Claudio 300 shares (100%) · €3,000 in cash
Network & group
No group
JAVAO has no parent and no holdings in its annual accounts. RATAO PANRANA Claudio is the only director. JAVAO shares no director with another company.
At the same address
Rue Joseph Lambremont 8, 4020 Liège · 1 other company| Ratao Pantana, Claudio (sole trader)
establishment since 14-10-2016 |
founded in 2016 0663.857.211 |
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 79 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1007740225
2025
Annual accounts 2024 filed PDFmicro format · 64 days late
2024
IncorporationFounding capital of €3,000, 300 shares · Founder: RATAO PANTANA Claudio · Appointment: RATAO PANTANA Claudio (director) · published on 02-04-20245 points ▸
- Founder, RATAO PANTANA Claudio
- Founding capital, €3,000, 300 shares
- Registered office clause, rue Joseph Lambremont 8, 4020 Liège
- Board rule, 1
- Director appointment, RATAO PANTANA Claudio (director (not named in the articles))
- The deed holds 5 more points.
First establishment Rue Joseph-Lambremont 8, Liège
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1007.740.225
- VAT number
- BE 1007.740.225
- Peppol ID
- 0208:1007740225
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 28-03-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 02-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- JAVAO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-04-2024 (in French)
Activities
NACEBEL 202547279
Other retail sale of food main activity
Codes under NACEBEL 2008
47299
Retail trade main activity
46170
Wholesale trade
47251
Retail trade
47810
Retail trade
77293
Rental and leasing activities
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La fabrication et le négoce en gros ou au détail de crèmes glacées,sorbets et desserts quelconques; La…”deed of 02-04-2024 (in French)
12 activities
- La fabrication et le négoce en gros ou au détail de crèmes glacées,sorbets et desserts quelconques.
- La création,l’aménagement,l’agencement,l’installation,la gestion,la gérance,l’exploitation d’établissements HORECA,en ce compris les salons de dégustation,snacks et petite restauration,restaurants,débits de boissons,hôtels,auberges,traiteurs,brasseries,tavernes,cafés,organisateur de banquets,salons de consommation,la présente énumération étant exemplative et non limitative.
- Le commerce de détail,gros et demi gros,au service traiteur,à la livraison à domicile,l'achat,la vente,la location,l'exploitation,la prise ou la mise en gérance de tous fonds de commerce,restaurants,snack,friterie,pizzeria,débits de boissons,cafés,tavernes,dancings,clubs privés,salles de spectacles,salles de récréations,toutes salles de loisirs généralement quelconques,tous clubs de jeux,toutes activités récréatives et cela sans aucune exception ni réserve,l'exploitation,la vente,l’achat ou la location de tous appareils automatiques,de tous instruments,objets ou matériels généralement quelconques pouvant être utilisés dans les commerces sus décrits,tout ce qui se rapporte à la sonorisation,effets spéciaux,l'organisation de banquets,soirées,animations tant à l'intérieur qu'à l'extérieur.
- L’organisation de festivités,dégustations et événements divers.
- La fabrication,la commercialisation,l’import,l’export,le commerce de gros et de détail,de tout produit se rapportant directement ou indirectement à la restauration et tout produit dérivé.
- L’achat,la vente,la location de tout matériel pour ces commerces,mobilier et matériel de traiteur,matériel d’animation,la location de vaisselle.
- La prestation de services dans le secteur HORECA et autres.
- La livraison dans le secteur HORECA et autres.
- L’organisation de cours,séminaires,la publication d’articles,syllabus,en rapport direct ou indirect avec la gastronomie.
- En gros et en détail,la vente,l’achat,l’importation et l’exportation et en général,le négoce de bières,alcools,vins et spiritueux.
- L’exercice de ces activités commerciales peuvent avoir lieu tant sur des surfaces ou dans les locaux choisis ou loués par la gérance ainsi qu’au domicile de la clientèle.
- Le commerce ambulant des produits précités.
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Rue Joseph-Lambremont 8 registered office 4020 Liège | 28-03-2024 | 2.358.137.603 | Itinerant retailer |
Buildings and parcels at the address
- Ground area
- 96 m²
- Buildings
- 41 m²
- Volume, LiDAR
- 382 m³
- Tallest building
- 11.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62020B0036/00P004 | 96 m² | 1 · 40 m² | 11.1 m · 3 |
Recognitions
Food safety, FASFC
1 siteLiègeunit number 2.358.137.603