JIVARO
ActiveJIVARO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €814k and a net result of €153k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 20.55 against 14.54 in 2024; short-term debt: 4.6% and cash: 87.1% of total assets), and 4.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
95.4%
Return on assets
17.9%
Age of the figures
15 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
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 28-11-2025, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
23 d early
2023
146 d late
2022
46 d early
2021
40 d early
2020
40 d early
2019
49 d early
← before the deadline
after the deadline →
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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€814k▲ 23.0%
2024 · €661k
2019: €381k
2020: €341k
2021: €347k
2022: €344k
2023: €471k
2024: €661k
2019 → 2025
Total assets
€853k▲ 20.2%
2024 · €709k
2019: €394k
2020: €349k
2021: €355k
2022: €368k
2023: €540k
2024: €709k
2019 → 2025
Net result
€153k▼ 20.1%
2024 · €191k
2019: €84k
2020: €61k
2021: €6k
2022: €101k
2023: €181k
2024: €191k
2019 → 2025
Working capital
€767k▲ 18.2%
2024 · €649k
2019: €336k
2020: €307k
2021: €323k
2022: €317k
2023: €461k
2024: €649k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€347k-€344k▼ 0.9%€471k▲ 36.9%€661k▲ 40.5%€814k▲ 23.0%
Operating result€7k-€142k▲ 1,858%€268k▲ 89.2%€265k▼ 1.1%€206k▼ 22.1%
Net result€6k-€101k▲ 1,563%€181k▲ 79.3%€191k▲ 5.6%€153k▼ 20.1%
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 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €853k
Fixed assets
€47k▲ 278%
Current assets
€806k▲ 15.7%
Equity and liabilities €853k
Equity
€814k▲ 23.0%
Debt
€39k▼ 18.2%
The debt ratio falls from 6.8% to 4.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€213k▼
2024 · €266k
Cash flow
€160k▼
2024 · €192k
Solvency
95.4%▲
2024 · 93.2%
Current ratio
20.55▲
2024 · 14.54
Quick ratio
19.59▲
2024 · 13.76
Debt / equity
0.05▼
2024 · 0.07
ROE
18.8%▼
2024 · 28.9%
ROA
17.9%▼
2024 · 27.0%
Interest coverage
1834.66▼
2024 · 2315.13
Debt
€39k▼
2024 · €48k
Debt ≤ 1 year
€39k▼
2024 · €48k
Income taxes
€72k▼
2024 · €90k
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€709k€853k▲
Fixed assets21/28€12k€47k▲
Tangible fixed assets22/27€12k€47k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€1k€33k▲
Other tangible fixed assets26€10k€13k▲
Current assets29/58€697k€806k▲
Stocks and contracts in progress3€38k€38k=
Stocks30/36€38k€38k=
Current investments50/53€25k€25k=
Cash at bank and in hand54/58€634k€743k▲
Deferred charges and accrued income490/1€675€649▼
Equity and liabilities
Total equity and liabilities10/49€709k€853k▲
Equity10/15€661k€814k▲
Contributions10/11€8k€8k=
Reserves13€653k€806k▲
Tax-exempt reserves132€5k€5k=
Distributable reserves133€648k€800k▲
Amounts payable17/49€48k€39k▼
Amounts payable within one year42/48€48k€39k▼
Trade debts44€111-
Suppliers440/4€111-
Taxes, remuneration and social security45€47k€38k▼
Taxes450/3€47k€38k▼
Other amounts payable47/48€1k€990▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€938€7k▲
Other operating charges640/8€384€387▲
Gross operating margin9900€266k€214k▼
Operating profit (loss)9901€265k€206k▼
Financial income75/76B€16k€19k▲
Recurring financial income75€16k€19k▲
Financial charges65/66B€115€116▲
Recurring financial charges65€115€116▲
Profit (loss) for the period before taxes9903€281k€225k▼
Income taxes67/77€90k€72k▼
Profit (loss) for the period9904€191k€153k▼
Profit (loss) for the period to be appropriated9905€191k€153k▼
Appropriation of the result
Profit (loss) to be appropriated9906€191k€153k▼
Transfer to equity691/2€191k€152k▼
To other reserves6921€191k€152k▼
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
The notes to these accounts (7 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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €191k ▲5.6%
Net result €191k, the highest in the series.
30-06
Financial
Equity above €500kEq €661k ▲40.5%
6 profitable years in a row build equity to €661k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 146 days late
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €6k ▼90%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
02-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2004
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.
Avenue des Clos 31348 Ottignies-Louvain-la-NeuveGround area
410 m²
Building footprint
70 m²
Volume, LiDAR
384 m³
Parcel 25385B0021/00N012, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JIVARO
since 20042.135.561.502
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25385B0021/00N012 | Wallonia | 410 m² | 1 · 70 m² | 7.0 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488G430WN2R5R8ST039
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 742 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2004
Fiscal year end30-06
Activities, NACEBEL
74501
78100Employment placement agencies
47791Retail sale of antiques
70200Business and other management consultancy
70220Business consulting
71112Activities of interior architects
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jivarosprl@gmail.com