JO.VE
ActiveJO.VE 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 €77k and a net result of €31k. Equity is growing by ~41.1% per year across the filed fiscal years. Its solvency ranks better than 56% of 2410 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
49 d late
2023
28 d late
2022
30 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▼ 20.5%
2024 · €96k
2022: €16k
2023: €46k
2024: €96k
2022 → 2025
Net result
€31k▼ 39.6%
2024 · €51k
2022: €15k
2023: €30k
2024: €51k
2022 → 2025
Total assets
€134k▲ 13.2%
2024 · €118k
2022: €24k
2023: €54k
2024: €118k
2022 → 2025
Solvency
57.1%▼ 24.2pp
2024 · 81.4%
2022: 66.3%
2023: 85.3%
2024: 81.4%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€16k-€46k▲ 189%€96k▲ 110%€77k▼ 20.5%
Operating result€20k-€40k▲ 97.2%€66k▲ 63.5%€41k▼ 38.5%
Net result€15k-€30k▲ 105%€51k▲ 70.5%€31k▼ 39.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€53k▲ 52.4%
Current assets
€81k▼ 3.0%
Equity and liabilities €134k
Equity
€77k▼ 20.5%
Debt
€57k▲ 161%
The debt ratio rises from 18.6% to 42.9%: debt grows while equity shrinks.
Key figures and ratios
Solvency
57.1%▼
2024 · 81.4%
ROE
40.4%▼
2024 · 53.2%
ROA
23.1%▼
2024 · 43.3%
Debt
€57k▲
2024 · €22k
Debt ≤ 1 year
€57k▲
2024 · €22k
Income taxes
€9k▼
2024 · €14k
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€118k€134k▲
Fixed assets21/28€35k€53k▲
Tangible fixed assets22/27€35k€53k▲
Plant, machinery and equipment23€34k€30k▼
Furniture and vehicles24€878€20k▲
Other tangible fixed assets26-€3k
Current assets29/58€84k€81k▼
Amounts receivable within one year40/41€42k€8k▼
Trade receivables40€38k-
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€42k€73k▲
Deferred charges and accrued income490/1€3€33▲
Equity and liabilities
Total equity and liabilities10/49€118k€134k▲
Equity10/15€96k€77k▼
Contributions10/11€2k€2k=
Reserves13€14k€14k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€80k€61k▼
Amounts payable17/49€22k€57k▲
Amounts payable within one year42/48€22k€57k▲
Trade debts44€16k€222▼
Suppliers440/4€16k€222▼
Taxes, remuneration and social security45-€54
Taxes450/3-€54
Other amounts payable47/48€6k€57k▲
Accrued charges and deferred income492/3-€155
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€282€1k▲
Gross operating margin9900€69k€49k▼
Operating profit (loss)9901€66k€41k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€620€406▼
Recurring financial charges65€620€406▼
Profit (loss) for the period before taxes9903€65k€40k▼
Income taxes67/77€14k€9k▼
Profit (loss) for the period9904€51k€31k▼
Profit (loss) for the period to be appropriated9905€51k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€111k▲
Profit (loss) brought forward from the previous period14P€30k€80k▲
Profit to be distributed694/7€833€51k▲
Return on contributions (dividend)694€833€51k▲
The notes to these accounts (5 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
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Highest result since 2022net €51k ▲70.5%
Operating result €66k, net result €51k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
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, Brussel · 1 establishment unit since 2022
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.
Prudent Bolslaan 1331020 BrusselGround area
189 m²
Building footprint
114 m²
Volume, LiDAR
1,239 m³
Parcel 21815D0019/00L004, Brussels · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JO.VE
since 20222.336.764.840
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0019/00L004 | Brussels | 189 m² | 1 · 114 m² | 15.8 m · 4 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.
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Of 1,505 companies in sector 66199 we hold annual accounts for 912. 598 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2022
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.