JIVICO
ActiveSummary
JIVICO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €614k and a net result of €65k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 3705 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▲+8
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 11.09 against 12.61 in 2024; short-term debt: 6.3% and cash: 2.2% of total assets), and 14.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
85.4%
Return on assets
9%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 10 filingsDeviation from the deadline
2025
29 d late
2024
on the day
2023
31 d late
2022
31 d late
2021
31 d late
2020
29 d late
2019
60 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€65k▲ 242%
2024 · €19k
2018: €53k
2019: €183k▲ +243% vs 2018highest in 8 years
2020: €1k▼ -99.3% vs 2019lowest in 8 years
2021: €54k▲ +3963% vs 2020
2022: €123k▲ +130% vs 2021
2023: €57k▼ -53.7% vs 2022
2024: €19k▼ -66.6% vs 2023
2025: €65k▲ +242% vs 2024
2018 → 2025
Working capital
€458k▲ 19.5%
2024 · €383k
2018: €138k
2019: €358k▲ +160% vs 2018
2020: €109k▼ -69.5% vs 2019lowest in 8 years
2021: €143k▲ +31.1% vs 2020
2022: €281k▲ +96.4% vs 2021
2023: €353k▲ +25.6% vs 2022
2024: €383k▲ +8.6% vs 2023
2025: €458k▲ +19.5% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€350k-€473k▲ 35.0%€530k▲ 12.0%€549k▲ 3.6%€614k▲ 11.8%
2021: €350klowest in 5 years
2022: €473k▲ +35.0% vs 2021
2023: €530k▲ +12.0% vs 2022
2024: €549k▲ +3.6% vs 2023
2025: €614k▲ +11.8% vs 2024highest in 5 years
Operating result€67k-€163k▲ 143%€76k▼ 53.5%€19k▼ 75.1%€82k▲ 332%
2021: €67k
2022: €163k▲ +143% vs 2021highest in 5 years
2023: €76k▼ -53.5% vs 2022
2024: €19k▼ -75.1% vs 2023lowest in 5 years
2025: €82k▲ +332% vs 2024
Net result€54k-€123k▲ 130%€57k▼ 53.7%€19k▼ 66.6%€65k▲ 242%
2021: €54k
2022: €123k▲ +130% vs 2021highest in 5 years
2023: €57k▼ -53.7% vs 2022
2024: €19k▼ -66.6% vs 2023lowest in 5 years
2025: €65k▲ +242% vs 2024
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 332% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €719k
Fixed assets
€215k ▼ 4.0%
Current assets
€504k ▲ 21.0%
Equity and liabilities €719k
Equity
€614k ▲ 11.8%
Provisions
€57k ▼ 2.2%
Debt
€48k ▲ 44.5%
Debt's share of the balance-sheet total rises from 5.2% to 6.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€99k▲
2024 · €35k
Cash flow
€82k▲
2024 · €35k
Current ratio
11.09▼
2024 · 12.61
Debt to equity
0.08▲
2024 · 0.06
ROE
10.6%▲
2024 · 3.5%
ROA
9.0%▲
2024 · 3.0%
Interest coverage
43.86▼
2024 · 432.86
Debt ≤ 1 year
€45k▲
2024 · €33k
Income taxes
€22k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€640k€719k▲
Fixed assets21/28€224k€215k▼
Tangible fixed assets22/27€222k€213k▼
Land and buildings22€210k€209k▼
Furniture and vehicles24€12k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€416k€504k▲
Amounts receivable within one year40/41€92k€122k▲
Trade receivables40€75k€89k▲
Other amounts receivable41€17k€34k▲
Current investments50/53€304k€365k▲
Cash at bank and in hand54/58€20k€16k▼
Deferred charges and accrued income490/1-€532
Equity and liabilities
Total equity and liabilities10/49€640k€719k▲
Equity10/15€549k€614k▲
Contributions10/11€22k€22k=
Reserves13€133k€167k▲
Tax-exempt reserves132€133k€127k▼
Distributable reserves133-€40k
Profit (loss) carried forward14€395k€425k▲
Provisions and deferred taxes16€58k€57k▼
Provisions for liabilities and charges160/5€25k€25k=
Other liabilities and charges164/5€25k€25k=
Deferred taxes168€33k€32k▼
Amounts payable17/49€33k€48k▲
Amounts payable within one year42/48€33k€45k▲
Trade debts44€151€17▼
Suppliers440/4€151€17▼
Taxes, remuneration and social security45€5k€14k▲
Taxes450/3€5k€14k▲
Other amounts payable47/48€28k€31k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€38k€102k▲
Operating profit (loss)9901€19k€82k▲
Financial income75/76B€7k€7k▼
Recurring financial income75€7k€7k▼
Financial charges65/66B€82€2k▲
Recurring financial charges65€82€2k▲
Profit (loss) for the period before taxes9903€26k€86k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€8k€22k▲
Profit (loss) for the period9904€19k€65k▲
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€24k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€395k€465k▲
Profit (loss) brought forward from the previous period14P€371k€395k▲
Transfer to equity691/2-€40k
To other reserves6921-€40k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €16k | €16k | €16k | €18k | ▲ 6.5% |
| Other operating charges640/8 | €4k | €2k | €2k | €2k | €2k | ▲ 4.7% |
| Gross operating margin9900 | €83k | €181k | €94k | €38k | €102k | ▲ 170% |
| Operating profit (loss)9901 | €67k | €163k | €76k | €19k | €82k | ▲ 332% |
| Financial income75/76B | - | - | €17 | €7k | €7k | ▼ 6.2% |
| Recurring financial income75 | - | - | €17 | €7k | €7k | ▼ 6.2% |
| Financial charges65/66B | €43 | €42 | €64 | €82 | €2k | ▲ 2,671% |
| Recurring financial charges65 | €43 | €42 | €64 | €82 | €2k | ▲ 2,671% |
| Profit (loss) for the period before taxes9903 | €67k | €163k | €76k | €26k | €86k | ▲ 234% |
| Transfer from deferred taxes780 | €1k | €1k | €1k | €1k | €1k | = |
| Income taxes67/77 | €15k | €41k | €20k | €8k | €22k | ▲ 178% |
| Profit (loss) for the period9904 | €54k | €123k | €57k | €19k | €65k | ▲ 242% |
| Transfer from tax-exempt reserves789 | €5k | €5k | €5k | €5k | €5k | = |
| Profit (loss) for the period to be appropriated9905 | €59k | €128k | €62k | €24k | €70k | ▲ 190% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €430k | €595k | €617k | €640k | €719k | ▲ 12.2% |
| Fixed assets21/28 | €269k | €253k | €237k | €224k | €215k | ▼ 4.0% |
| Tangible fixed assets22/27 | €267k | €251k | €235k | €222k | €213k | ▼ 4.0% |
| Land and buildings22 | €233k | €224k | €215k | €210k | €209k | ▼ 0.6% |
| Furniture and vehicles24 | €35k | €27k | €20k | €12k | €4k | ▼ 63.0% |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | €2k | = |
| Current assets29/58 | €161k | €342k | €381k | €416k | €504k | ▲ 21.0% |
| Amounts receivable within one year40/41 | €10k | €171k | €93k | €92k | €122k | ▲ 32.4% |
| Trade receivables40 | - | - | €85k | €75k | €89k | ▲ 18.5% |
| Other amounts receivable41 | €10k | €171k | €8k | €17k | €34k | ▲ 92.2% |
| Current investments50/53 | - | - | €200k | €304k | €365k | ▲ 20.1% |
| Cash at bank and in hand54/58 | €151k | €170k | €87k | €20k | €16k | ▼ 22.3% |
| Deferred charges and accrued income490/1 | - | - | - | - | €532 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €430k | €595k | €617k | €640k | €719k | ▲ 12.2% |
| Equity10/15 | €350k | €473k | €530k | €549k | €614k | ▲ 11.8% |
| Contributions10/11 | €20k | €20k | €22k | €22k | €22k | = |
| Reserves13 | €150k | €145k | €138k | €133k | €167k | ▲ 26.3% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Tax-exempt reserves132 | €148k | €143k | €138k | €133k | €127k | ▼ 3.9% |
| Distributable reserves133 | - | - | - | - | €40k | - |
| Profit (loss) carried forward14 | €181k | €308k | €371k | €395k | €425k | ▲ 7.6% |
| Provisions and deferred taxes16 | €62k | €61k | €59k | €58k | €57k | ▼ 2.2% |
| Provisions for liabilities and charges160/5 | €25k | €25k | €25k | €25k | €25k | = |
| Other liabilities and charges164/5 | €25k | €25k | €25k | €25k | €25k | = |
| Deferred taxes168 | €37k | €36k | €34k | €33k | €32k | ▼ 3.9% |
| Amounts payable17/49 | €18k | €61k | €27k | €33k | €48k | ▲ 44.5% |
| Amounts payable within one year42/48 | €18k | €61k | €27k | €33k | €45k | ▲ 37.5% |
| Trade debts44 | €1k | €4k | €3k | €151 | €17 | ▼ 88.5% |
| Suppliers440/4 | €1k | €4k | €3k | €151 | €17 | ▼ 88.5% |
| Taxes, remuneration and social security45 | €253 | €37k | €280 | €5k | €14k | ▲ 194% |
| Taxes450/3 | €253 | €37k | €280 | €5k | €14k | ▲ 194% |
| Other amounts payable47/48 | €16k | €20k | €24k | €28k | €31k | ▲ 10.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €54k | €123k | €57k | €19k | €65k | ▲ 242% |
| + Depreciation and write-downs630 | €12k | €16k | €16k | €16k | €18k | ▲ 6.5% |
| Operating cash flow (approximation) | €65k | €139k | €73k | €35k | €82k | ▲ 133% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-4k | €-9k | ▼ 123% |
| Change in cash | - | €20k | €-83k | €-67k | €-4k | ▲ 93.4% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 13.85
Current ratio from 5.64 to 13.85; short-term debt falls from €61k to €27k.
31-12
Financial
Equity above €500kEq €530k ▲12%
6 profitable years in a row build equity to €530k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 9.08
Current ratio from 4.13 to 9.08; short-term debt falls from €35k to €18k.
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 29 days late
2020
31-12
Financial
Weakest financial yearnet €1k ▼99.3%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
31-12
Financial
Highest result since 2018net €183k ▲243%
Operating result €230k, net result €183k, both a record.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 12.77
Current ratio from 5.40 to 12.77; short-term debt falls from €31k to €30k.
31-12
Financial
Equity above €200kEq €296k ▲162%
2 profitable years in a row build equity to €296k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Esneux · 1 establishment unit since 2008
Ground area
4,019 m²
Building footprint
601 m²
Volume, LiDAR
4,241 m³
2 parcels, Wallonia · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DELITRAITEUR
since 20082.171.439.426
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101B0023/00B005 | Wallonia | 2,520 m² | 1 · 299 m² | 9.5 m · 1 fl. |
| 25018A0370/00V002 | Wallonia | 1,499 m² | 1 · 303 m² | 15.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 3,905 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
Founded10-06-2008
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.