JIVA CONSULT 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 €1.65M and a net result of €423k. Equity is growing by ~27.8% per year across the filed fiscal years. Its solvency ranks better than 49% of 6156 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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
not confirmed
2024
30 d late
2023
68 d late
2022
31 d late
2021
78 d late
2020
108 d late
2019
70 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.65M▲ 33.7%
2023 · €1.23M
2018: €13k
2019: €212k
2020: €525k
2021: €922k
2022: €950k
2023: €1.23M
2018 → 2024
Net result
€423k▼ 5.3%
2023 · €447k
2018: €7k
2019: €199k
2020: €313k
2021: €397k
2022: €615k
2023: €447k
2018 → 2024
Total assets
€3.20M▲ 8.1%
2023 · €2.96M
2018: €799k
2019: €1.67M
2020: €1.95M
2021: €2.20M
2022: €2.37M
2023: €2.96M
2018 → 2024
Solvency
51.6%▲ 9.9pp
2023 · 41.7%
2018: 1.6%
2019: 12.7%
2020: 27.0%
2021: 42.0%
2022: 40.0%
2023: 41.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€525k-€922k▲ 75.6%€950k▲ 3.0%€1.23M▲ 30.0%€1.65M▲ 33.7%
Operating result€450k-€589k▲ 31.1%€830k▲ 41.0%€631k▼ 24.0%€638k▲ 1.1%
Net result€313k-€397k▲ 26.9%€615k▲ 54.8%€447k▼ 27.4%€423k▼ 5.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 1% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.20M
Fixed assets
€2.88M▲ 1.3%
Current assets
€316k▲ 185%
Equity and liabilities €3.20M
Equity
€1.65M▲ 33.7%
Debt
€1.55M▼ 10.2%
The debt ratio falls from 58.3% to 48.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
51.6%▲
2023 · 41.7%
ROE
25.6%▼
2023 · 36.2%
ROA
13.2%▼
2023 · 15.1%
Debt
€1.55M▼
2023 · €1.72M
Debt ≤ 1 year
€675k▼
2023 · €855k
Debt > 1 year
€872k▲
2023 · €868k
Income taxes
€197k▲
2023 · €182k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.96M€3.20M▲
Fixed assets21/28€2.85M€2.88M▲
Tangible fixed assets22/27€2.85M€2.88M▲
Land and buildings22€2.71M€2.77M▲
Plant, machinery and equipment23€3k€10k▲
Furniture and vehicles24€131k€96k▼
Financial fixed assets28€900€900=
Current assets29/58€111k€316k▲
Amounts receivable within one year40/41€100€244k▲
Trade receivables40-€45k
Other amounts receivable41€100€199k▲
Current investments50/53€57k€51k▼
Cash at bank and in hand54/58€50k€17k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.96M€3.20M▲
Equity10/15€1.23M€1.65M▲
Contributions10/11€19k€19k=
Reserves13€985k€1.40M▲
Tax-exempt reserves132€147k€113k▼
Distributable reserves133€838k€1.29M▲
Profit (loss) carried forward14€230k€231k▲
Amounts payable17/49€1.72M€1.55M▼
Amounts payable after more than one year17€868k€872k▲
Financial debts170/4€868k€872k▲
Amounts payable within one year42/48€855k€675k▼
Current portion of amounts payable after more than one year42€138k€177k▲
Financial debts43€538k€369k▼
Credit institutions430/8€401k€369k▼
Other loans439€137k€0▼
Trade debts44€74k€62k▼
Suppliers440/4€74k€62k▼
Taxes, remuneration and social security45€49k€64k▲
Taxes450/3€49k€64k▲
Other amounts payable47/48€55k€2k▼
Income statement
Code20232024
Non-recurring operating income76A€26k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€143k€200k▲
Other operating charges640/8€8k€8k▼
Gross operating margin9900€782k€846k▲
Operating profit (loss)9901€631k€638k▲
Financial income75/76B€13k€21k▲
Recurring financial income75€13k€21k▲
Financial charges65/66B€16k€39k▲
Recurring financial charges65€16k€39k▲
Profit (loss) for the period before taxes9903€628k€620k▼
Income taxes67/77€182k€197k▲
Profit (loss) for the period9904€447k€423k▼
Transfer from tax-exempt reserves789-€34k
Transfer to tax-exempt reserves689€63k€0▼
Profit (loss) for the period to be appropriated9905€383k€457k▲
Appropriation of the result
Profit (loss) to be appropriated9906€749k€687k▼
Profit (loss) brought forward from the previous period14P€366k€230k▼
Transfer from equity791/2-€7k
Transfer to equity691/2€357k€456k▲
To other reserves6921€357k€456k▲
Profit to be distributed694/7€162k€7k▼
Return on contributions (dividend)694€162k€7k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 68 days late
2023
31-12
Financial
Equity above €1MEq €1.23M ▲30%
6 profitable years in a row build equity to €1.23M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €615k ▲54.8%
Operating result €830k, net result €615k, both a record.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 108 days late
2020
31-12
Financial
Equity above €500kEq €525k ▲148%
3 profitable years in a row build equity to €525k.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-12
Financial
Equity above €200kEq €212k ▲1554%
2 profitable years in a row build equity to €212k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Laarne · 1 establishment unit since 2017
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.
Termstraat 439270 LaarneGround area
1,350 m²
Building footprint
259 m²
Volume, LiDAR
1,195 m³
Parcel 42010C0389/00F000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JIVA Consult
since 20172.265.927.027
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010C0389/00F000 | Flanders | 1,350 m² | 1 · 259 m² | 8.0 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
2022 · 1 entry · 743 EUR awarded · 743 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 743 EUR | 743 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
8755005ELOSETRT2J559
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 11,474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2017
Fiscal year end31-12
Abbreviation NL
JIVA
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.