JCVA
ActiveSummary
The computed 12-month bankruptcy probability of JCVA is 1.8% (moderate). The 2025 annual accounts show equity of €64,938 and a net result of €7,056. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 7625 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+4
Solvency93▲+13
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 3.89 against 2.25 in 2024; short-term debt: 20.5% and cash: 66.6% of total assets), and 32% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
68%
Return on assets
7.4%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
25 d early
2024
7 d early
2023
28 d late
2022
35 d early
2021
23 d late
2020
28 d late
2019
41 d late
← 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 8 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 24 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€64,938▲ 12.2%
2024 · €57,882
Total assets
€95,461▼ 8.8%
2024 · €104,655
Net result
€7,056▲ 75.1%
2024 · €4,029
Working capital
€56,568▲ 10.2%
2024 · €51,324
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€6,131▲ 196%€29,066▲ 374%€15,169▼ 47.8%€6,702▼ 55.8%€11,776▲ 75.7%
Net result€4,853within the sector's middle half▲ 199%€22,792within the sector's middle half▲ 370%€9,906within the sector's middle half▼ 56.5%€4,029within the sector's middle half▼ 59.3%€7,056within the sector's middle half▲ 75.1%
Equity€21,155within the sector's middle half▲ 29.8%€43,947within the sector's middle half▲ 108%€53,853within the sector's middle half▲ 22.5%€57,882within the sector's middle half▲ 7.5%€64,938within the sector's middle half▲ 12.2%
Total assets€35,323below the sector's middle half▲ 35.2%€82,961within the sector's middle half▲ 135%€91,532within the sector's middle half▲ 10.3%€104,655within the sector's middle half▲ 14.3%€95,461within the sector's middle half▼ 8.8%
Debt€14,168▲ 44.3%€39,014▲ 175%€37,679▼ 3.4%€46,773▲ 24.1%€30,523▼ 34.7%
Working capital€14,720within the sector's middle half▲ 135%€33,620within the sector's middle half▲ 128%€45,959within the sector's middle half▲ 36.7%€51,324within the sector's middle half▲ 11.7%€56,568within the sector's middle half▲ 10.2%
Solvency59.9%within the sector's middle half▼ 2.5pp53.0%within the sector's middle half▼ 6.9pp58.8%within the sector's middle half▲ 5.9pp55.3%within the sector's middle half▼ 3.5pp68.0%above the sector's middle half▲ 12.7pp
Current ratio2.04within the sector's middle half▲ 0.402.63within the sector's middle half▲ 0.592.79within the sector's middle half▲ 0.172.25within the sector's middle half▼ 0.553.89above the sector's middle half▲ 1.64
Return on assets (ROA)13.7%within the sector's middle half▲ 7.5pp27.5%above the sector's middle half▲ 13.7pp10.8%within the sector's middle half▼ 16.7pp3.8%within the sector's middle half▼ 7.0pp7.4%within the sector's middle half▲ 3.5pp
Staff (FTE)0.71▲ 42.9%1=1=
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 76% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95,461
Fixed assets
€19,309 ▲ 58.2%
Current assets
€76,152 ▼ 17.6%
Equity and liabilities €95,461
Equity
€64,938 ▲ 12.2%
Debt
€30,523 ▼ 34.7%
Debt's share of the balance-sheet total falls from 44.7% to 32.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21,241▲
2024 · €14,463
Cash flow
€16,522▲
2024 · €11,789
Debt to equity
0.47▼
2024 · 0.81
ROE
10.9%▲
2024 · 7.0%
Interest coverage
11.50▲
2024 · 10.82
Debt ≤ 1 year
€19,584▼
2024 · €41,125
Debt > 1 year
€10,939▲
2024 · €5,623
Income taxes
€2,874▲
2024 · €1,337
Staff costs
€48,205▲
2024 · €47,248
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €27,369 | €46,696 | €47,248 | €48,205 | ▲ 2.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,604 | €4,879 | €8,682 | €7,761 | €9,465 | ▲ 22.0% |
| Other operating charges640/8 | €378 | €589 | €3,175 | €585 | €940 | ▲ 60.8% |
| Gross operating margin9900 | €10,113 | €61,904 | €73,721 | €62,295 | €70,386 | ▲ 13.0% |
| Operating profit (loss)9901 | €6,131 | €29,066 | €15,169 | €6,702 | €11,776 | ▲ 75.7% |
| Financial income75/76B | €49 | €10 | €9 | €1 | €1 | ▼ 3.5% |
| Recurring financial income75 | €49 | €10 | €9 | €1 | €1 | ▼ 3.5% |
| Financial charges65/66B | €113 | €457 | €1,421 | €1,337 | €1,846 | ▲ 38.1% |
| Recurring financial charges65 | €113 | €457 | €1,421 | €1,337 | €1,846 | ▲ 38.1% |
| Profit (loss) for the period before taxes9903 | €6,067 | €28,619 | €13,756 | €5,366 | €9,930 | ▲ 85.1% |
| Income taxes67/77 | €1,213 | €5,827 | €3,850 | €1,337 | €2,874 | ▲ 115% |
| Profit (loss) for the period9904 | €4,853 | €22,792 | €9,906 | €4,029 | €7,056 | ▲ 75.1% |
| Profit (loss) for the period to be appropriated9905 | €4,853 | €22,792 | €9,906 | €4,029 | €7,056 | ▲ 75.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €35,323 | €82,961 | €91,532 | €104,655 | €95,461 | ▼ 8.8% |
| Fixed assets21/28 | €6,436 | €28,684 | €19,967 | €12,206 | €19,309 | ▲ 58.2% |
| Tangible fixed assets22/27 | €6,436 | €28,534 | €19,817 | €12,056 | €19,159 | ▲ 58.9% |
| Plant, machinery and equipment23 | €650 | €1,697 | €1,335 | €549 | €118 | ▼ 78.6% |
| Furniture and vehicles24 | €5,786 | €26,837 | €18,481 | €11,507 | €19,042 | ▲ 65.5% |
| Financial fixed assets28 | - | €150 | €150 | €150 | €150 | = |
| Current assets29/58 | €28,888 | €54,277 | €71,566 | €92,449 | €76,152 | ▼ 17.6% |
| Amounts receivable within one year40/41 | €3,914 | €8,464 | €11,115 | €8,608 | €11,077 | ▲ 28.7% |
| Trade receivables40 | €2,837 | €1,715 | - | €1,475 | €726 | ▼ 50.8% |
| Other amounts receivable41 | €1,077 | €6,749 | €11,115 | €7,133 | €10,351 | ▲ 45.1% |
| Cash at bank and in hand54/58 | €24,014 | €43,699 | €60,275 | €77,730 | €63,539 | ▼ 18.3% |
| Deferred charges and accrued income490/1 | €960 | €2,113 | €176 | €6,111 | €1,536 | ▼ 74.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €35,323 | €82,961 | €91,532 | €104,655 | €95,461 | ▼ 8.8% |
| Equity10/15 | €21,155 | €43,947 | €53,853 | €57,882 | €64,938 | ▲ 12.2% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €424 | €424 | €9,424 | €11,424 | €18,424 | ▲ 61.3% |
| Non-distributable reserves130/1 | €424 | €424 | - | - | - | - |
| Reserves not available under the articles1311 | €424 | €424 | - | - | - | - |
| Distributable reserves133 | - | - | €9,424 | €11,424 | €18,424 | ▲ 61.3% |
| Profit (loss) carried forward14 | €14,531 | €37,323 | €38,229 | €40,258 | €40,314 | ▲ 0.1% |
| Amounts payable17/49 | €14,168 | €39,014 | €37,679 | €46,773 | €30,523 | ▼ 34.7% |
| Amounts payable after more than one year17 | - | €18,211 | €12,073 | €5,623 | €10,939 | ▲ 94.5% |
| Financial debts170/4 | - | €18,211 | €12,073 | €5,623 | €10,939 | ▲ 94.5% |
| Amounts payable within one year42/48 | €14,168 | €20,657 | €25,607 | €41,125 | €19,584 | ▼ 52.4% |
| Current portion of amounts payable after more than one year42 | - | €14,317 | €14,637 | €6,973 | €8,725 | ▲ 25.1% |
| Trade debts44 | €3,866 | €642 | €3,154 | €23,129 | €1,714 | ▼ 92.6% |
| Suppliers440/4 | €3,866 | €642 | €3,154 | €23,129 | €1,714 | ▼ 92.6% |
| Taxes, remuneration and social security45 | €1,605 | €3,955 | €5,883 | €7,308 | €2,335 | ▼ 68.0% |
| Taxes450/3 | €1,605 | €1,869 | €1,890 | €2,878 | €1,833 | ▼ 36.3% |
| Remuneration and social security454/9 | - | €2,085 | €3,994 | €4,430 | €502 | ▼ 88.7% |
| Other amounts payable47/48 | €8,697 | €1,744 | €1,933 | €3,715 | €6,810 | ▲ 83.3% |
| Accrued charges and deferred income492/3 | - | €145 | - | €25 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,853 | €22,792 | €9,906 | €4,029 | €7,056 | ▲ 75.1% |
| + Depreciation and write-downs630 | €3,604 | €4,879 | €8,682 | €7,761 | €9,465 | ▲ 22.0% |
| Operating cash flow (approximation) | €8,458 | €27,671 | €18,588 | €11,789 | €16,522 | ▲ 40.1% |
| Investment in fixed assets (approximation) | - | -€27,128 | €36 | €0 | -€16,569 | - |
| Change in cash | - | €19,686 | €16,576 | €17,455 | -€14,191 | ▼ 181% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
08-05
State Gazette act
Resignation: PINTO MARTINS Valérie (director)Share transfer3 facts ▸
State Gazette act
Resignation: PINTO MARTINS Valérie (director)
Share transfer3 facts ▸
- General meeting, 30-11-2025
- Share transfer, PINTO MARTINS Valérie → FERREIRA MARTINS Joaquim Fernando
- Director resignation, PINTO MARTINS Valérie (director)
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €22,792 ▲370%
Operating result €29,066, net result €22,792, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
31-12
Financial
Weakest financial yearnet €1,621 ▼80.9%
Net result drops to €1,621, the lowest in the series; recovery starts the following year.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Anderlues · 1 establishment unit since 2018
Ground area
2,162 m²
Building footprint
167 m²
Volume, LiDAR
791 m³
Parcel 56302E0279/00A002, Wallonia · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JCVA
since 20182.281.524.825
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56302E0279/00A002 | Wallonia | 2,162 m² | 1 · 167 m² | 7.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| PINTO MARTINS Valérie |
|
Structure & network
Connections & network
No current directors or connected companies found in the register.
Capital and shareholders
Shareholders according to the acts
Share transfer
act of 08-05-2026 ↗
- PINTO MARTINS Valérie to FERREIRA MARTINS Joaquim Fernando 25 shares
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
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Of 29,786 companies in sector 41001 we hold annual accounts for 16,061. 13,220 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
41003General construction of other non-residential buildings
43910Bricklaying and masonry work
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0712777972
Registered
18-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.