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JO.V.R.

Active
Private limited company (pre-2019)founded 201016 years activeHeulestraat 14, 9750 Kruisem, BelgiumKBO/BCE: BE 0824.564.633
Summary

The computed 12-month bankruptcy probability of JO.V.R. is 2.0% (moderate). The 2025 annual accounts show equity of €89,658 and a net result of €5,975. Equity is growing by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 2,716 sector peers (NACE 41, fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€109,195total assets 2025
Equity
€89,658
Profit
€5,975
Turnover not published (abridged schema)
Financial health
56 Fair Checked score 2025
Bankruptcy probability, 12 months
2.0%
Structure
Accounts filed 31 days late0 of 1 deed read
Why 56- Latest accounts 31 days late; 2 of the last 3 late- Liquidity: current ratio 5.59- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €109,195Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 71% of its sector peers (NACE 41, micro)
Financial strength · tick = 2024
Strong
Solvency 100=
equity 82.1% of total assets
Liquidity 90-10
short-term debt 17.9%
Profitability 76-24
return on assets 5.5%
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,367 companies)
Last 24 months 11-2024: 6.9%highest value 12-2024: 6.9%● unchanged vs 11-2024highest value 01-2025: 6.9%● unchanged vs 12-2024highest value 02-2025: 6.9%● unchanged vs 01-2025highest value 03-2025: 6.9%● unchanged vs 02-2025highest value 04-2025: 6.9%● unchanged vs 03-2025highest value 05-2025: 6.9%● unchanged vs 04-2025highest value 06-2025: 6.8%▼ -0.1 percentage points vs 05-2025 07-2025: 6.8%● unchanged vs 06-2025 08-2025: 6.8%● unchanged vs 07-2025 09-2025: 0.8%▼ -6.0 percentage points vs 08-2025lowest value 10-2025: 0.8%● unchanged vs 09-2025lowest value 11-2025: 0.8%● unchanged vs 10-2025 12-2025: 1.6%▲ +0.8 percentage points vs 11-2025 01-2026: 1.6%● unchanged vs 12-2025 02-2026: 1.6%● unchanged vs 01-2026 03-2026: 1.6%● unchanged vs 02-2026 04-2026: 1.8%▲ +0.2 percentage points vs 03-2026 05-2026: 1.9%▲ +0.1 percentage points vs 04-2026 06-2026: 1.8%▼ -0.1 percentage points vs 05-2026 07-2026: 1.8%● unchanged vs 06-2026 08-2026: 2.6%▲ +0.8 percentage points vs 07-2026 09-2026: 2.0%▼ -0.6 percentage points vs 08-2026 10-2026: 2.0%● unchanged vs 09-2026
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 5.59 against 33.6 in 2024; short-term debt: 17.9% of total assets), and 17.9% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 92% on solvency, 91% on liquidity, 53% on profitability and 49% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
+raises risk○neutral
raises risk · Latest accounts 31 days late; 2 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 5.59
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Size: total assets €109,195
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filings
Deviation from the deadline
2025
31 days late
2024
24 days late
2023
463 days late
2022
968 days late
2021
1395 days late
2020
27 days late
2017
56 days 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 407 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Strikeout withdrawn
Checked, nothing found (1)
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. Usually files around 6 November (4 of the last 5 filed years within 504 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2021 · abbreviated…
  3. Strikeout withdrawnKBO administration

Key points

  • Positive: Among the best 12% on solvencysector median 38.6% · 2,716 companies 82.1% View
  • Total assets 20256 fiscal years filed €109,195 View
  • Active since 2010founded 01-04-2010 16 years View

By topic

Financials

Fiscal year
2025
Total assets
€109,195
Profit
€5,975
Solvency
82.1%
Total assets▲ 26.6%
Net result
20202025
Go to Financials

Timeline

Events
14
Since
2015
Next accounts
by 31-07-2027
  1. 25-03-2026Annual accounts filed
  2. 06-11-2025Annual accounts filed
  3. 24-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
General construction of residential buildingsNACE 41001
Founded
01-04-2010
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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