Summary
JIVILCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.1m and a net result of -€21,339. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 2445 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 26-01-2026, 5 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
5 d early
2024
2 d early
2023
2 d late
2022
15 d late
2021
11 d late
2020
2 d late
2019
67 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 2 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#1 company by equity in Ciney, Finance and insurance sector#5 company by total assets in Ciney, Finance and insurance sector
Equity
€2.1m▼ 1.0%
2024 · €2.2m
Net result
-€21,339
2024 · €297,072
Total assets
€2.8m▼ 0.2%
2024 · €2.8m
Solvency
75.9%▼ 0.6pp
2024 · 76.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€68,314▲ 8.3%€26,836▼ 60.7%€14,153▼ 47.3%€27,896▲ 97.1%€19,349▼ 30.6%
Net result€16,830within the sector's middle half▼ 68.6%€1.6mabove the sector's middle half▲ 9,333%-€26,534below the sector's middle half€297,072within the sector's middle half-€21,339below the sector's middle half
Equity€299,501within the sector's middle half▲ 6.0%€1.9mabove the sector's middle half▲ 530%€1.9mabove the sector's middle half▼ 1.4%€2.2mwithin the sector's middle half▲ 16.0%€2.1mwithin the sector's middle half▼ 1.0%
Total assets€2.9mabove the sector's middle half▲ 436%€2.9mabove the sector's middle half▼ 2.3%€2.8mabove the sector's middle half▼ 1.6%€2.8mwithin the sector's middle half▼ 0.6%€2.8mwithin the sector's middle half▼ 0.2%
Debt€2.0m▲ 648%€345,421▼ 82.7%€330,782▼ 4.2%€21,604▼ 93.5%€43,071▲ 99.4%
Working capital-€1.8mbelow the sector's middle half-€205,925below the sector's middle half▲ 88.3%-€236,237below the sector's middle half▼ 14.7%€59,530within the sector's middle half€82,875within the sector's middle half▲ 39.2%
Solvency10.2%below the sector's middle half▼ 41.3pp65.6%within the sector's middle half▲ 55.4pp65.7%within the sector's middle half▲ 0.1pp76.6%within the sector's middle half▲ 10.9pp75.9%within the sector's middle half▼ 0.6pp
Current ratio0.12below the sector's middle half▼ 1.560.37below the sector's middle half▲ 0.250.27below the sector's middle half▼ 0.103.76above the sector's middle half▲ 3.4918.08above the sector's middle half▲ 14.32
Return on assets (ROA)0.6%below the sector's middle half▼ 9.2pp55.1%above the sector's middle half▲ 54.6pp-0.9%below the sector's middle half▼ 56.1pp10.5%above the sector's middle half▲ 11.5pp-0.8%below the sector's middle half▼ 11.3pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.8m
Fixed assets
€2.7m ▼ 0.4%
Current assets
€87,727 ▲ 8.1%
Equity and liabilities €2.8m
Equity
€2.1m ▼ 1.0%
Provisions
€633,644 ▼ 0.7%
Debt
€43,071 ▲ 99.4%
Debt's share of the balance-sheet total rises from 0.8% to 1.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-1.0%▼
2024 · 13.8%
Debt ≤ 1 year
€4,852▼
2024 · €21,604
Income taxes
€141▼
2024 · €313
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €2,994 | €11,125 | €11,125 | €10,854 | ▼ 2.4% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€3,800 | -€3,987 | -€4,181 | -€4,388 | ▼ 5.0% |
| Other operating charges640/8 | - | €430 | €995 | €1,393 | €1,486 | ▲ 6.7% |
| Gross operating margin9900 | €68,907 | €26,461 | €22,286 | €36,232 | €27,301 | ▼ 24.6% |
| Operating profit (loss)9901 | €68,314 | €26,836 | €14,153 | €27,896 | €19,349 | ▼ 30.6% |
| Financial income75/76B | - | €1.6m | €964 | €310,558 | €339 | ▼ 99.9% |
| Recurring financial income75 | €381 | €1.6m | €964 | €310,558 | €339 | ▼ 99.9% |
| Financial charges65/66B | - | €41,220 | €41,304 | €41,070 | €40,887 | ▼ 0.4% |
| Recurring financial charges65 | €40,844 | €41,220 | €41,304 | €41,070 | €40,887 | ▼ 0.4% |
| Profit (loss) for the period before taxes9903 | €27,850 | €1.6m | -€26,187 | €297,385 | -€21,199 | ▼ 107% |
| Income taxes67/77 | €11,020 | -€1,482 | €347 | €313 | €141 | ▼ 55.0% |
| Profit (loss) for the period9904 | €16,830 | €1.6m | -€26,534 | €297,072 | -€21,339 | ▼ 107% |
| Profit (loss) for the period to be appropriated9905 | €16,830 | €1.6m | -€26,534 | €297,072 | -€21,339 | ▼ 107% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.9m | €2.9m | €2.8m | €2.8m | €2.8m | ▼ 0.2% |
| Fixed assets21/28 | €2.7m | €2.8m | €2.7m | €2.7m | €2.7m | ▼ 0.4% |
| Tangible fixed assets22/27 | - | €51,532 | €40,407 | €29,283 | €18,428 | ▼ 37.1% |
| Furniture and vehicles24 | - | €51,532 | €40,407 | €29,283 | €18,428 | ▼ 37.1% |
| Financial fixed assets28 | €2.7m | €2.7m | €2.7m | €2.7m | €2.7m | = |
| Current assets29/58 | €239,299 | €120,264 | €86,228 | €81,134 | €87,727 | ▲ 8.1% |
| Amounts receivable within one year40/41 | €36,367 | €53,346 | €43,169 | €52,581 | €57,235 | ▲ 8.9% |
| Trade receivables40 | - | €27,261 | €28,931 | €51,316 | €52,604 | ▲ 2.5% |
| Other amounts receivable41 | - | €26,085 | €14,237 | €1,266 | €4,631 | ▲ 266% |
| Current investments50/53 | - | - | €25,000 | €20,000 | €12,500 | ▼ 37.5% |
| Cash at bank and in hand54/58 | €201,739 | €65,807 | €16,588 | €7,186 | €16,546 | ▲ 130% |
| Deferred charges and accrued income490/1 | - | €1,111 | €1,472 | €1,367 | €1,446 | ▲ 5.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.9m | €2.9m | €2.8m | €2.8m | €2.8m | ▼ 0.2% |
| Equity10/15 | €299,501 | €1.9m | €1.9m | €2.2m | €2.1m | ▼ 1.0% |
| Contributions10/11 | - | €102,000 | €102,000 | €108,352 | €108,352 | = |
| Reserves13 | €126,352 | €126,352 | €126,352 | €1.1m | €1.1m | = |
| Non-distributable reserves130/1 | - | €6,352 | €6,352 | - | - | - |
| Reserves not available under the articles1311 | - | €6,352 | €6,352 | - | - | - |
| Distributable reserves133 | - | €120,000 | €120,000 | €1.1m | €1.1m | = |
| Profit (loss) carried forward14 | €71,150 | €1.7m | €1.6m | €929,290 | €907,951 | ▼ 2.3% |
| Provisions and deferred taxes16 | €650,000 | €646,200 | €642,213 | €638,032 | €633,644 | ▼ 0.7% |
| Provisions for liabilities and charges160/5 | - | €646,200 | €642,213 | €638,032 | €633,644 | ▼ 0.7% |
| Other liabilities and charges164/5 | - | €646,200 | €642,213 | €638,032 | €633,644 | ▼ 0.7% |
| Amounts payable17/49 | €2.0m | €345,421 | €330,782 | €21,604 | €43,071 | ▲ 99.4% |
| Amounts payable after more than one year17 | - | €19,232 | €8,316 | - | - | - |
| Financial debts170/4 | - | €19,232 | €8,316 | - | - | - |
| Amounts payable within one year42/48 | €2.0m | €326,189 | €322,465 | €21,604 | €4,852 | ▼ 77.5% |
| Current portion of amounts payable after more than one year42 | - | €10,721 | €10,915 | €8,316 | - | - |
| Trade debts44 | €4,001 | €799 | €227 | €638 | €2,154 | ▲ 238% |
| Suppliers440/4 | - | €799 | €227 | €638 | €2,154 | ▲ 238% |
| Taxes, remuneration and social security45 | - | €5,934 | €2,588 | €3,895 | - | - |
| Taxes450/3 | - | €5,934 | €2,588 | - | - | - |
| Remuneration and social security454/9 | - | - | - | €3,895 | - | - |
| Other amounts payable47/48 | - | €308,734 | €308,734 | €8,755 | €2,698 | ▼ 69.2% |
| Accrued charges and deferred income492/3 | - | - | - | - | €38,219 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,830 | €1.6m | -€26,534 | €297,072 | -€21,339 | ▼ 107% |
| + Depreciation and write-downs630 | - | €2,994 | €11,125 | €11,125 | €10,854 | ▼ 2.4% |
| Operating cash flow (approximation) | €16,830 | €1.6m | -€15,410 | €308,197 | -€10,485 | ▼ 103% |
| Investment in fixed assets (approximation) | - | -€54,526 | €0 | €67 | €0 | ▼ 100% |
| Change in cash | - | -€135,932 | -€49,220 | -€9,402 | €9,360 | ▲ 200% |
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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Liquidity times 5current ratio 18.08
Current ratio from 3.76 to 18.08; short-term debt falls from €21,604 to €4,852.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Back to profitnet €297,072
Net result €297,072 after one loss-making year.
30-06
Financial
Liquidity times 14current ratio 3.76
Current ratio from 0.27 to 3.76; short-term debt falls from €322,465 to €21,604.
30-06
Financial
Equity above €2mEq €2.2m ▲16%
Equity rises from €1.9m to €2.2m.
02-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
30-06
Financial
Weakest financial yearnet -€26,534
Net result drops to -€26,534, the lowest in the series; recovery starts the following year.
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
30-06
Financial
Highest result since 2019net €1.6m ▲9,333%
Net result €1.6m, the highest in the series.
30-06
Financial
Equity above €1mEq €1.9m ▲530%
4 profitable years in a row build equity to €1.9m.
11-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
Show earlier events
2021
02-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2019
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
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, Ciney · 1 establishment unit since 2017
Ground area
8,133 m²
Building footprint
1,763 m²
Volume, LiDAR
10,381 m³
2 parcels, Brussels, Wallonia · tallest building 23.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Alsembergsesteenweg 993, 1180 Ukkel
since 20172.261.472.351
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91079A0206/00R000 ProtectedMonument |
Wallonia | 6,725 m² | 1 · 966 m² | - |
| 21616A0089/00R003 | Brussels | 1,408 m² | 1 · 796 m² | 23.9 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 2
-
100%
-
12%
According to the annual accounts to 30-06-2025 of JIVILCO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 10,739 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
Founded28-12-2016
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Contact
E-mail
jean-paulv@skynet.beUkkel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0668537163
Also
9925:BE0668537163
Registered
16-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.