Active BE 0846.701.023Private limited company

JEVAGA

Snelwegstraat 16 ·3550 Heusden-Zolder, Belgium· 14 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

JEVAGA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €213k and a net result of €19k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 6148 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€213k
Net result	€19k
Staff (FTE)	1.1
Better than sector	25%

Financial profile 4 of 5 axes measured · computed by Checked

65 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 44

Solvency 37

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2012, 14 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

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.

Financial overview12 NBB filings

Annual accounts filed on 11-06-2025 with the NBB · fiscal year 2024 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~8.4%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	25.5%	52.2%	better than 25% of 6148 sector peers
Net result	€19k	€54k	better than 34% of 6146 sector peers
Equity	€213k	€677k	better than 27% of 6149 sector peers
Gross operating margin	€238k	€93k	better than 74% of 6140 sector peers
Staff costs	€61k	€81k	higher than 42% of 1235 sector peers

Net profit

€19k

+44.2% 21-24

Total assets

€834k

-14.5% 21-24

Equity

€213k

+9.6% 21-24

Employees (FTE)

1

-42.1% 21-24

Staff costs

€61k

-21.7% 21-24

Income taxes

€7k

+1087.7% 21-24

Debt

€622k

-20.5% 21-24

Debt ≤ 1y

€172k

-8.1% 21-24

Debt > 1y

€437k

-25.4% 21-24

Solvency

25.5%

+28.2% 21-24

ROE

8.7%

+31.6% 21-24

ROA

2.2%

+68.7% 21-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022	2021
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a
Net profit	€19k	€13k	€15k	€9k
Cash flow	n/a	n/a	n/a	n/a
Staff costs	€61k	€78k	€126k	€124k
Income taxes	€7k	€586	-	-
Dividends	-	-	-	-
Total assets	€834k	€976k	€995k	€1.08M
Equity	€213k	€194k	€181k	€166k
Debt	€622k	€782k	€814k	€913k
of which ≤ 1y	€172k	€187k	€179k	€214k
of which > 1y	€437k	€586k	€630k	€694k
Working capital	n/a	n/a	n/a	n/a
Employees (FTE)	1.1	1.9	1.9	1.9

Ratios (computed)

	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a
Solvency	25.5%	19.9%	18.2%	15.4%
Debt / equity	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a
ROA	2.2%	1.3%	1.5%	0.8%
ROE	8.7%	6.6%	8.2%	5.5%
EBITDA margin	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a

Balance-sheet composition 2024

Assets

Fixed assets €673k · 80.7% Current assets €161k · 19.3%

Equity & liabilities

Equity €213k · 25.5% Debt €622k · 74.5%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€834k	€976k	€995k	€1.08M
Fixed assets	21/28	€673k	€779k	€782k	€868k
Tangible fixed assets	22/27	€607k	€712k	€716k	€802k
Financial fixed assets	28	€67k	€67k	€67k	€67k
Current assets	29/58	€161k	€198k	€213k	€211k
Stocks & contracts in progress	3	€40k	€46k	€51k	€97k
Amounts receivable within one year	40/41	€115k	€134k	€141k	€94k
Cash & bank	54/58	€6k	€18k	€16k	€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€834k	€976k	€995k	€1.08M
Equity	10/15	€213k	€194k	€181k	€166k
Contributions / capital	10/11	€25k	€25k	€25k	€25k
Reserves	13	€188k	€169k	€156k	€141k
Amounts payable	17/49	€622k	€782k	€814k	€913k
Amounts payable after one year	17	€437k	€586k	€630k	€694k
Amounts payable within one year	42/48	€172k	€187k	€179k	€214k
Trade debts payable within one year	44	€6k	€20k	€21k	€44k
Income statement
Gross operating margin	9900	€238k	€210k	€277k	€258k
Operating result	9901	€60k	€26k	€27k	€33k
Financial income	75	€28	€72	€12k	€112
Financial charges	65	€27k	€27k	€22k	€33k
Result before taxes	9903	€26k	€13k	€15k	€9k
Income taxes	67/77	€7k	€586	-	-
Net result for the period	9904	€19k	€13k	€15k	€9k
Result to be appropriated	9905	€19k	€13k	€15k	€9k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	20-06-2012
Status	Active
Postal code	3550

Establishment units 2 locations

JEVAGA

Snelwegstraat 16, 3550 Heusden-ZolderFinancial service activities, except insurance and pension funding

since 20122.211.864.670

JEVAGA

Sint-Jobstraat 104, 3550 Heusden-ZolderRetail sale of chocolate and confectionery

since 20152.246.813.671

Real-estate footprint Source: CBE × cadastre

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71065F0582/00X000	Flanders	959 m²	1 · 203 m²	8.7 m · 2 fl.
71462D0402/00M000	Flanders	860 m²	1 · 183 m²	4.2 m

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 10 events

All 12Financial 2Filings 10

2025

11-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Highest result since 2021net €19k ▲44.2%

Operating result €60k, net result €19k, both a record.

31-12

Financial Equity above €200kEq €213k ▲9.6%

4 profitable years in a row build equity to €213k.

15-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

21-06

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

22-06

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

07-06

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

06-07

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

11-07

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

27-07

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

22-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 22 days late

2016

07-06

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.

Belgian State Gazette reading coverage 0 of 3 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Full-service restaurants56101Full-service restaurants56111Holdings64200Activities of holding companies64210

Names & trade names

Legal nameNL

JEVAGA

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