Financials
- Fiscal year
- 2024
- Total assets
- €21,738
- Loss
- -€13,104
- Solvency
- -292.4%
JoPaVa
ActiveSummary
JoPaVa has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€63,557) and a net result of -€13,104. Its solvency ranks better than 5% of 37961 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€21,738total assets 2024
- Equity
- -€63,557
- Loss
- -€13,104
Turnover not published (abridged schema)
Structure
Accounts filed 29 d late0 of 2 deeds read
Why 52Capped at 59: negative equity- Figures for FY 2024 (filed 05-09-2025)- Loss of €13,104 (FY 2024)+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €21,738Show the evidence
Checked score
Score 2024
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 4% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength
Weak
Solvency
0
equity -292.4% of total assets
Liquidity
6
short-term debt 386.0% · cash 4.7%
Profitability
0
return on assets -60.3%
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.4%
12-2024: 0.4%▼ -3.4% vs 11-2024
01-2025: 0.4%● 0.0% vs 12-2024
02-2025: 0.4%● 0.0% vs 01-2025
03-2025: 0.4%● 0.0% vs 02-2025
04-2025: 0.4%▼ -1.6% vs 03-2025lowest value
05-2025: 0.4%● 0.0% vs 04-2025lowest value
06-2025: 0.4%● 0.0% vs 05-2025lowest value
07-2025: 0.4%● 0.0% vs 06-2025lowest value
08-2025: 0.4%● 0.0% vs 07-2025lowest value
09-2025: 0.4%● 0.0% vs 08-2025lowest value
10-2025: 0.6%▲ +53.8% vs 09-2025
11-2025: 0.6%● 0.0% vs 10-2025
12-2025: 0.6%▼ -2.0% vs 11-2025
01-2026: 0.6%▲ +0.9% vs 12-2025
02-2026: 0.6%● 0.0% vs 01-2026
03-2026: 0.6%▲ +1.8% vs 02-2026
04-2026: 0.6%▲ +3.9% vs 03-2026
05-2026: 0.6%▼ -4.2% vs 04-2026
06-2026: 0.5%▼ -3.7% vs 05-2026
07-2026: 0.6%▲ +5.9% vs 06-2026
08-2026: 0.8%▲ +35.8% vs 07-2026
09-2026: 0.9%▲ +11.9% vs 08-2026
10-2026: 1.0%▲ +18.4% vs 09-2026highest value
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Size: total assets €21,738 lowers the probability for this profile
- Figures for FY 2024 (filed 05-09-2025) raises the probability
- Loss of €13,104 (FY 2024) raises the probability
No credit on open account
Liquidity short (current ratio 0.25; short-term debt: 386% and cash: 4.7% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 3%, liquidity 4%, profitability 4%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 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 · 1 filingDeviation from the deadline
2024
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its 2024 accounts 29 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2025
- 29-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 21-10-2015
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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