JAVOS

Active

Private limited companyfounded 199134 yrs activeRue Charles Rogier 34, 7080 Frameries, BelgiumKBO/BCE: BE 0445.739.546

Summary

JAVOS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149,567 and a net result of -€2,179. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 95% of 883 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

JAVOSActiveChecked score 83/100

Risk analysis Report Compare

Activity

Artisanal bread and fresh pastry making

NACE 10712NACE 15812

#7 oldest company in Frameries, Manufacturing sector1 site

Size

€154,438total assets 2025

Equity: €149,567
Loss: -€2,179

Financial health

83 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Accounts filed 27 d late0 of 1 deed read

Why 83- Sector Manufacture of food products (NACE 10)- Liquidity: current ratio 31.70, cash €1,792+ Founded in 1991+ Equity €149,567 (96.8% of total assets)Show the evidence

Checked score

Score 2025

83 / 100

Excellent

Probability in this band: under 0.55%

Better than 49% of its sector peers (NACE 10, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 100=

equity 96.8% of total assets

Liquidity 51-1

short-term debt 3.2% · cash 1.2%

Profitability 17+2

return on assets -1.4%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.2% (3,039 companies)

Last 12 months 11-2025: 0.5% 12-2025: 0.5%● 0.0% vs 11-2025 01-2026: 0.5%▲ +2.5% vs 12-2025 02-2026: 0.5%● 0.0% vs 01-2026 03-2026: 0.5%● 0.0% vs 02-2026 04-2026: 0.6%▲ +9.0% vs 03-2026 05-2026: 0.6%▲ +1.8% vs 04-2026 06-2026: 0.6%▼ -2.2% vs 05-2026 07-2026: 0.6%▲ +5.3% vs 06-2026 08-2026: 1.0%▲ +64.0% vs 07-2026highest value 09-2026: 0.4%▼ -55.4% vs 08-2026lowest value 10-2026: 0.4%● 0.0% vs 09-2026lowest value

Sector Manufacture of food products (NACE 10) raises the probability
Founded in 1991 lowers the probability for this profile
Liquidity: current ratio 31.70, cash €1,792 raises the probability
Equity €149,567 (96.8% of total assets) lowers the probability

Credit up to €12,000 at 30 days acceptable

Liquidity ample (current ratio 31.7 against 20.82 in 2024; short-term debt: 3.2% and cash: 1.2% of total assets), and 3.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 10, micro). Better than this share of them on solvency 93%, liquidity 52%, profitability 18%, growth against the median 35%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Manufacture of food products (NACE 10)

In the bankruptcy model this factor raises the probability.

KBO

Founded in 1991

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Liquidity: current ratio 31.70, cash €1,792

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Equity €149,567 (96.8% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filings

Deviation from the deadline

2025

27 d late

2024

9 d early

2023

30 d late

2022

14 d early

2021

6 d early

2020

23 d late

2019

24 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 4 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 25 July (4 of the last 5 filed years within 33 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

27-08-26 Annual accounts filedfiscal year 2025 · abbreviated…
22-07-25 Annual accounts filedfiscal year 2024 · full…
31-12-24 Weakest financial yearnet -€5,250

Key points

Positive: Among the best 5% on solvencysector median 32.9% · 883 companies 96.8% View
Caution: 2 loss-making years in a rowloss fiscal year 2025 -€2,179 View
Active since 1991founded 19-11-1991 34 years View