JAVI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.47M and a net result of €95k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 95% of 5511 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
29 d early
2024
27 d late
2023
15 d early
2022
28 d late
2021
33 d early
2020
33 d early
2019
28 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.47M▲ 4.0%
2024 · €2.37M
2018: €2.23M
2019: €2.70M
2020: €2.78M
2021: €2.86M
2022: €2.10M
2023: €2.29M
2024: €2.37M
2018 → 2025
Net result
€95k▲ 11.2%
2024 · €85k
2018: €231k
2019: €467k
2020: €84k
2021: €76k
2022: €80k
2023: €182k
2024: €85k
2018 → 2025
Total assets
€2.49M▲ 3.7%
2024 · €2.40M
2018: €2.32M
2019: €2.79M
2020: €2.85M
2021: €2.88M
2022: €2.23M
2023: €2.32M
2024: €2.40M
2018 → 2025
Solvency
99.0%▲ 0.2pp
2024 · 98.7%
2018: 96.1%
2019: 96.9%
2020: 97.6%
2021: 99.3%
2022: 94.2%
2023: 98.5%
2024: 98.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.86M-€2.10M▼ 26.4%€2.29M▲ 8.6%€2.37M▲ 3.7%€2.47M▲ 4.0%
Operating result€87k-€94k▲ 8.2%€121k▲ 28.5%€115k▼ 4.8%€125k▲ 8.7%
Net result€76k-€80k▲ 6.0%€182k▲ 127%€85k▼ 53.2%€95k▲ 11.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.49M
Fixed assets
€1.90M▼ 0.4%
Current assets
€592k▲ 19.9%
Equity and liabilities €2.49M
Equity
€2.47M▲ 4.0%
Debt
€25k▼ 16.5%
The debt ratio falls from 1.3% to 1.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.0%▲
2024 · 98.7%
ROE
3.8%▲
2024 · 3.6%
ROA
3.8%▲
2024 · 3.5%
Debt
€25k▼
2024 · €30k
Debt ≤ 1 year
€24k▼
2024 · €28k
Income taxes
€39k▲
2024 · €34k
Staff costs
€56k▲
2024 · €50k
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 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.40M€2.49M▲
Fixed assets21/28€1.91M€1.90M▼
Tangible fixed assets22/27€8k-
Furniture and vehicles24€8k-
Financial fixed assets28€1.90M€1.90M=
Current assets29/58€494k€592k▲
Amounts receivable within one year40/41€25k€32k▲
Trade receivables40€23k€23k▲
Other amounts receivable41€3k€8k▲
Current investments50/53€250k€150k▼
Cash at bank and in hand54/58€218k€408k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.40M€2.49M▲
Equity10/15€2.37M€2.47M▲
Contributions10/11€1.07M€1.07M=
Reserves13€1.29M€1.38M▲
Distributable reserves133€1.29M€1.38M▲
Profit (loss) carried forward14€13k€14k▲
Amounts payable17/49€30k€25k▼
Amounts payable within one year42/48€28k€24k▼
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€25k€18k▼
Taxes450/3€19k€6k▼
Remuneration and social security454/9€6k€12k▲
Other amounts payable47/48€4k€4k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€50k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€913€975▲
Gross operating margin9900€175k€190k▲
Operating profit (loss)9901€115k€125k▲
Financial income75/76B€4k€8k▲
Recurring financial income75€4k€8k▲
Financial charges65/66B€54€58▲
Recurring financial charges65€54€58▲
Profit (loss) for the period before taxes9903€119k€134k▲
Income taxes67/77€34k€39k▲
Profit (loss) for the period9904€85k€95k▲
Profit (loss) for the period to be appropriated9905€85k€95k▲
Appropriation of the result
Profit (loss) to be appropriated9906€98k€108k▲
Profit (loss) brought forward from the previous period14P€13k€13k▲
Transfer to equity691/2€85k€94k▲
To other reserves6921€85k€94k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (5 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 5current ratio 12.32
Current ratio from 2.41 to 12.32; short-term debt falls from €128k to €33k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €76k ▼9.9%
Net result drops to €76k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 11.92
Current ratio from 2.79 to 11.92; short-term debt falls from €66k to €19k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Highest result since 2018net €467k ▲102%
Operating result €142k, net result €467k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Ieper · 1 establishment unit since 2016
Ground area
3,391 m²
Building footprint
741 m²
Volume, LiDAR
4,721 m³
Parcel 33003B0837/00A000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JAVI
since 20162.257.038.659
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33003B0837/00A000 | Flanders | 3,391 m² | 1 · 741 m² | 7.5 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 10,290 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2016
Fiscal year end31-12
Activities, NACEBEL
95313Repair and fitting of specific motor vehicle parts
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.