JCVB
ActiveSummary
JCVB has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €624k and a net result of €-30k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 44% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability30▼-41
Solvency78▼-17
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.61 in 2024; short-term debt: 7.3% and cash: 3.7% of total assets), and 46.8% of the assets are financed with debt.
Credit check 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 19-01-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
22 d early
2023
9 d early
2022
1 d early
2021
20 d early
2020
4 d late
2019
4 d late
← 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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€624k▼ 4.6%
2024 · €654k
Total assets
€1.17M▲ 25.3%
2024 · €937k
Net result
€-30k
2024 · €14k
Working capital
€-16k▲ 23.5%
2024 · €-20k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€69k▼ 9.9%€79k▲ 14.4%€63k▼ 19.7%€35k▼ 44.5%€17k▼ 51.7%
Net result€47k▼ 15.1%€50k▲ 6.9%€39k▼ 22.6%€14k▼ 64.5%€-30k
Equity€594k▲ 8.6%€643k▲ 8.2%€640k▼ 0.4%€654k▲ 2.2%€624k▼ 4.6%
Total assets€751k▲ 7.8%€776k▲ 3.4%€813k▲ 4.8%€937k▲ 15.2%€1.17M▲ 25.3%
Debt€157k▲ 4.5%€133k▼ 14.9%€173k▲ 29.6%€283k▲ 63.6%€550k▲ 94.3%
Working capital€117k▲ 105%€89k▼ 24.1%€133k▲ 50.4%€-20k€-16k▲ 23.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.17M
Fixed assets
€1.10M ▲ 22.0%
Current assets
€70k ▲ 116%
Equity and liabilities €1.17M
Equity
€624k ▼ 4.6%
Debt
€550k ▲ 94.3%
Debt's share of the balance-sheet total rises from 30.2% to 46.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€81k▼
2024 · €97k
Cash flow
€34k▼
2024 · €76k
Current ratio
0.82▲
2024 · 0.61
Debt to equity
0.88▲
2024 · 0.43
ROE
-4.8%▼
2024 · 2.1%
ROA
-2.5%▼
2024 · 1.5%
Interest coverage
1.77▼
2024 · 9.74
Debt ≤ 1 year
€86k▲
2024 · €53k
Debt > 1 year
€440k▲
2024 · €220k
Income taxes
€1k▼
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36k | €45k | €55k | €62k | €64k | ▲ 2.5% |
| Other operating charges640/8 | - | €3k | €3k | €4k | €3k | ▼ 5.0% |
| Gross operating margin9900 | €107k | €126k | €122k | €101k | €84k | ▼ 16.6% |
| Operating profit (loss)9901 | €69k | €79k | €63k | €35k | €17k | ▼ 51.7% |
| Financial income75/76B | - | €0 | €14 | €30 | €4 | ▼ 87.8% |
| Recurring financial income75 | €8 | €0 | €14 | €30 | €4 | ▼ 87.8% |
| Financial charges65/66B | - | €5k | €5k | €10k | €46k | ▲ 355% |
| Recurring financial charges65 | €6k | €5k | €5k | €10k | €46k | ▲ 355% |
| Profit (loss) for the period before taxes9903 | €63k | €74k | €58k | €25k | €-29k | ▼ 213% |
| Income taxes67/77 | €16k | €23k | €19k | €11k | €1k | ▼ 89.0% |
| Profit (loss) for the period9904 | €47k | €50k | €39k | €14k | €-30k | ▼ 315% |
| Profit (loss) for the period to be appropriated9905 | €47k | €50k | €39k | €14k | €-30k | ▼ 315% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €751k | €776k | €813k | €937k | €1.17M | ▲ 25.3% |
| Fixed assets21/28 | €617k | €659k | €612k | €904k | €1.10M | ▲ 22.0% |
| Tangible fixed assets22/27 | €617k | €659k | €612k | €904k | €1.10M | ▲ 22.0% |
| Land and buildings22 | - | €564k | €536k | €509k | €483k | ▼ 5.2% |
| Plant, machinery and equipment23 | - | - | - | €346k | €590k | ▲ 70.7% |
| Furniture and vehicles24 | - | €94k | €75k | €49k | €31k | ▼ 37.6% |
| Current assets29/58 | €134k | €117k | €201k | €33k | €70k | ▲ 116% |
| Amounts receivable within one year40/41 | €24k | €16k | €23k | €24k | €22k | ▼ 9.7% |
| Trade receivables40 | - | €16k | €17k | €15k | €15k | = |
| Other amounts receivable41 | - | €223 | €6k | €9k | €6k | ▼ 26.7% |
| Cash at bank and in hand54/58 | €106k | €96k | €173k | €3k | €43k | ▲ 1,471% |
| Deferred charges and accrued income490/1 | - | €5k | €5k | €6k | €6k | ▼ 6.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €751k | €776k | €813k | €937k | €1.17M | ▲ 25.3% |
| Equity10/15 | €594k | €643k | €640k | €654k | €624k | ▼ 4.6% |
| Contributions10/11 | - | €30k | €30k | €30k | €30k | = |
| Reserves13 | €178k | €227k | €224k | €238k | €238k | = |
| Non-distributable reserves130/1 | - | €3k | €3k | - | - | - |
| Reserves not available under the articles1311 | - | €3k | €3k | - | - | - |
| Distributable reserves133 | - | €224k | €221k | €238k | €238k | = |
| Profit (loss) carried forward14 | €386k | €386k | €386k | €386k | €356k | ▼ 7.7% |
| Amounts payable17/49 | €157k | €133k | €173k | €283k | €550k | ▲ 94.3% |
| Amounts payable after more than one year17 | €140k | €100k | €100k | €220k | €440k | ▲ 100% |
| Other amounts payable178/9 | - | €100k | €100k | €220k | €440k | ▲ 100% |
| Amounts payable within one year42/48 | €17k | €29k | €68k | €53k | €86k | ▲ 62.3% |
| Trade debts44 | €8k | €2k | €2k | €9k | €30k | ▲ 233% |
| Suppliers440/4 | - | €2k | €2k | €9k | €30k | ▲ 233% |
| Taxes, remuneration and social security45 | - | €6k | €11k | €13k | €9k | ▼ 29.7% |
| Taxes450/3 | - | €6k | €10k | €13k | €9k | ▼ 30.9% |
| Remuneration and social security454/9 | - | - | €1k | - | €160 | - |
| Other amounts payable47/48 | - | €21k | €55k | €31k | €47k | ▲ 50.5% |
| Accrued charges and deferred income492/3 | - | €5k | €5k | €10k | €24k | ▲ 140% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47k | €50k | €39k | €14k | €-30k | ▼ 315% |
| + Depreciation and write-downs630 | €36k | €45k | €55k | €62k | €64k | ▲ 2.5% |
| Operating cash flow (approximation) | €83k | €95k | €94k | €76k | €34k | ▼ 55.3% |
| Investment in fixed assets (approximation) | - | €-86k | €-8k | €-355k | €-263k | ▲ 25.9% |
| Change in cash | - | €-10k | €77k | €-171k | €41k | ▲ 124% |
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
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series.
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
30-06
Financial
Highest result since 2019net €56k ▲7.2%
Net result €56k, the highest in the series.
30-06
Financial
Liquidity times 5current ratio 6.90
Current ratio from 1.44 to 6.90; short-term debt falls from €54k to €10k.
30-06
Financial
Equity above €500kEq €547k ▲11.3%
2 profitable years in a row build equity to €547k.
04-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
03-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Nivelles · 1 establishment unit since 2007
Ground area
540 m²
Building footprint
229 m²
Parcel 25782D0837/00M002, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JCVB
since 20072.161.928.377
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0837/00M002 | Wallonia | 540 m² | 1 · 229 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900SPY9B3L404HB46
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ABS-INTERNATIONAL
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Of 30,002 companies in sector 62200 we hold annual accounts for 18,390. 10,969 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
Founded23-04-2007
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.