JIVA
ActiveJIVA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €30k. Equity is growing by ~64.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-3
Solvency73▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.6 in 2024; short-term debt: 16.4% and cash: 1.8% of total assets), but 51.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
48.2%
Return on assets
9.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 7 filingsDeviation from the deadline
2025
28 d late
2024
46 d late
2023
63 d late
2022
56 d late
2021
40 d late
2020
69 d late
2019
48 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, micro schema
Equity
€148k▲ 24.8%
2024 · €118k
2019: €9k
2020: €13k
2021: €20k
2022: €45k
2023: €83k
2024: €118k
2019 → 2025
Total assets
€306k▲ 5.9%
2024 · €289k
2019: €35k
2020: €50k
2021: €203k
2022: €233k
2023: €252k
2024: €289k
2019 → 2025
Net result
€30k▼ 17.1%
2024 · €36k
2019: €3k
2020: €5k
2021: €7k
2022: €26k
2023: €38k
2024: €36k
2019 → 2025
Working capital
€55k▲ 117%
2024 · €25k
2019: €-20k
2020: €-23k
2021: €-49k
2022: €-135k
2023: €12k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€45k▲ 126%€83k▲ 82.0%€118k▲ 42.9%€148k▲ 24.8%
Operating result€14k-€39k▲ 176%€56k▲ 43.9%€54k▼ 3.0%€47k▼ 14.3%
Net result€7k-€26k▲ 251%€38k▲ 45.6%€36k▼ 4.7%€30k▼ 17.1%
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 two years in a row; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306k
Fixed assets
€201k▼ 9.3%
Current assets
€105k▲ 56.0%
Equity and liabilities €306k
Equity
€148k▲ 24.8%
Debt
€159k▼ 7.2%
The debt ratio falls from 59.1% to 51.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67k▼
2024 · €67k
Cash flow
€51k▲
2024 · €49k
Solvency
48.2%▲
2024 · 40.9%
Current ratio
2.09▲
2024 · 1.60
Quick ratio
2.09▲
2024 · 1.60
Debt / equity
1.07▼
2024 · 1.44
ROE
20.4%▼
2024 · 30.7%
ROA
9.8%▼
2024 · 12.6%
Interest coverage
16.43▼
2024 · 23.78
Debt
€159k▼
2024 · €171k
Debt ≤ 1 year
€50k▲
2024 · €42k
Debt > 1 year
€108k▼
2024 · €129k
Income taxes
€12k▼
2024 · €15k
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€289k€306k▲
Fixed assets21/28€222k€201k▼
Tangible fixed assets22/27€216k€195k▼
Land and buildings22€160k€153k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€52k€40k▼
Other tangible fixed assets26€897€202▼
Financial fixed assets28€6k€6k=
Current assets29/58€67k€105k▲
Amounts receivable after more than one year29-€25k
Other amounts receivable291-€25k
Amounts receivable within one year40/41€67k€69k▲
Trade receivables40€22k€25k▲
Other amounts receivable41€45k€45k▼
Cash at bank and in hand54/58-€5k
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€289k€306k▲
Equity10/15€118k€148k▲
Contributions10/11€6k€6k=
Reserves13€112k€141k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€110k€141k▲
Amounts payable17/49€171k€159k▼
Amounts payable after more than one year17€129k€108k▼
Financial debts170/4€129k€108k▼
Amounts payable within one year42/48€42k€50k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Financial debts43€7k-
Credit institutions430/8€7k-
Trade debts44€15k€18k▲
Suppliers440/4€15k€18k▲
Taxes, remuneration and social security45-€9k
Taxes450/3-€9k
Other amounts payable47/48-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€21k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€70k€70k▲
Operating profit (loss)9901€54k€47k▼
Financial income75/76B€7€20▲
Recurring financial income75€7€20▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€51k€42k▼
Income taxes67/77€15k€12k▼
Profit (loss) for the period9904€36k€30k▼
Profit (loss) for the period to be appropriated9905€36k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€30k▼
Transfer to equity691/2€36k€29k▼
To other reserves6921€36k€29k▼
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
31-12
Financial
Equity above €100kEq €118k ▲42.9%
6 profitable years in a row build equity to €118k.
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
31-12
Financial
Highest result since 2019net €38k ▲45.6%
Operating result €56k, net result €38k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 1.17
Current ratio from 0.28 to 1.17; short-term debt falls from €188k to €67k.
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
2021
08-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 69 days late
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Geetbets · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Glabbeekstraat 663450 GeetbetsGround area
928 m²
Building footprint
160 m²
Volume, LiDAR
951 m³
Parcel 24028D0316/00P003, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JIVA
since 20192.286.393.532
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24028D0316/00P003 | Flanders | 928 m² | 1 · 160 m² | 9.1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 870 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 870 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,829 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:000000000