JAVER
ActiveSummary
JAVER has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €387k and a net result of €-17k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 41% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-8
Solvency61▲+3
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.59 in 2024; short-term debt: 58.6% and cash: 14.9% of total assets), but 64% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36%
Return on assets
-1.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
25 d early
2023
54 d early
2022
27 d early
2021
10 d early
2020
4 d early
2019
8 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€387k▼ 4.2%
2024 · €404k
2019: €389k
2020: €392k
2021: €389k
2022: €403k
2023: €404k
2024: €404k
2019 → 2025
Total assets
€1.07M▼ 12.5%
2024 · €1.23M
2019: €1.08M
2020: €1.28M
2021: €1.33M
2022: €1.83M
2023: €1.23M
2024: €1.23M
2019 → 2025
Net result
€-17k▼ 29,817%
2024 · €-57
2019: €3k
2020: €3k
2021: €57k
2022: €14k
2023: €61k
2024: €-57
2019 → 2025
Working capital
€441k▼ 3.4%
2024 · €456k
2019: €360k
2020: €376k
2021: €387k
2022: €395k
2023: €398k
2024: €456k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€389k-€403k▲ 3.5%€404k▲ 0.3%€404k=€387k▼ 4.2%
Operating result€62k-€42k▼ 31.0%€70k▲ 64.4%€13k▼ 82.1%€-7k
Net result€57k-€14k▼ 76.0%€61k▲ 350%€-57€-17k▼ 29,817%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€4k ▼ 25.0%
Current assets
€1.07M ▼ 12.5%
Equity and liabilities €1.07M
Equity
€387k ▼ 4.2%
Provisions
€55k ▲ 1.0%
Debt
€632k ▼ 17.9%
Debt's share of the balance-sheet total falls from 62.7% to 58.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2024 · €14k
Cash flow
€-16k▼
2024 · €1k
Current ratio
1.70▲
2024 · 1.59
Quick ratio
1.30▲
2024 · 1.03
Debt to equity
1.63▼
2024 · 1.90
ROE
-4.4%▼
2024 · 0.0%
ROA
-1.6%▼
2024 · 0.0%
Interest coverage
-0.37▼
2024 · 0.81
Debt ≤ 1 year
€630k▼
2024 · €768k
Income taxes
€203▲
2024 · €92
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.23M€1.07M▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€5k€4k▼
Current assets29/58€1.22M€1.07M▼
Stocks and contracts in progress3€436k€252k▼
Stocks30/36€436k€252k▼
Amounts receivable within one year40/41€607k€658k▲
Trade receivables40€365k€417k▲
Other amounts receivable41€241k€241k=
Cash at bank and in hand54/58€181k€160k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.07M▼
Equity10/15€404k€387k▼
Contributions10/11€29k€29k=
Reserves13€372k€372k=
Tax-exempt reserves132€29k€29k=
Distributable reserves133€343k€343k=
Profit (loss) carried forward14€3k€-14k▼
Provisions and deferred taxes16€54k€55k▲
Provisions for liabilities and charges160/5€54k€55k▲
Other liabilities and charges164/5€54k€55k▲
Amounts payable17/49€770k€632k▼
Amounts payable within one year42/48€768k€630k▼
Financial debts43€225k€225k=
Credit institutions430/8€225k€225k=
Trade debts44€174k€184k▲
Suppliers440/4€174k€184k▲
Taxes, remuneration and social security45€40k€53k▲
Taxes450/3€40k€53k▲
Other amounts payable47/48€329k€168k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A€288-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€6k€164k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€54k€516▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€75k€160k▲
Operating profit (loss)9901€13k€-7k▼
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€17k€15k▼
Recurring financial charges65€17k€15k▼
Profit (loss) for the period before taxes9903€35€-17k▼
Income taxes67/77€92€203▲
Profit (loss) for the period9904€-57€-17k▼
Profit (loss) for the period to be appropriated9905€-57€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-14k▼
Profit (loss) brought forward from the previous period14P€3k€3k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
08-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Highest result since 2019net €61k ▲350%
Operating result €70k, net result €61k, both a record.
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
08-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zonnebeke · 1 establishment unit since 1993
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Westrozebekestraat 458980 ZonnebekeGround area
6.0 ha
Building footprint
3.1 ha
Volume, LiDAR
218,305 m³
Parcel 33019A0365/00D000, Flanders · tallest building 24.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Westrozebekestraat 45, 8980 Zonnebeke
since 19932.033.966.274
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33019A0365/00D000 | Flanders | 6.0 ha | 1 · 3.1 ha | 24.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 3 entries · 8,703 EUR awarded · 8,703 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 2 | 6,288 EUR | 6,288 EUR |
| 2022 | 1 | 2,415 EUR | 2,415 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Similar companies · same sector, comparable size
LINNEA
BE 0536.959.534
Evere · Eq €387,336
BUREAU TECHNIQUE BREUER
BE 0426.924.417
Baelen · Eq €386,953
UVOTec
BE 0473.338.224
Antwerpen · Eq €387,584
DE BROUWER INVEST
BE 0449.452.072
Knokke-Heist · Eq €386,832
PROBEC
BE 0436.240.870
Putte · Eq €386,630
Of 4,420 companies in sector 46180 we hold annual accounts for 1,886. 1,258 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-1987
Fiscal year end30-06
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.