Joris Vanvolsem

Active

Private limited companyfounded 20215 yrs activeStuivenbergbaan 67, 2800 Mechelen, BelgiumKBO/BCE: BE 0761.632.419

Joris Vanvolsem has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €68k and a net result of €24k. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 57% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

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Checked score

Score 2024

88 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability99▼-1

Solvency93▼-7

Growth78=

Track record94

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 2.76 against 7.69 in 2023; short-term debt: 31.7% and cash: 69.4% of total assets), and 31.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

38 d early

2023

35 d early

2022

17 d early

2021

20 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€68k▼ 1.8%

2023 · €69k

2021: €26k 2022: €47k 2023: €69k

2021 → 2024

Total assets

€100k▲ 27.6%

2023 · €78k

2021: €33k 2022: €54k 2023: €78k

2021 → 2024

Net result

€24k▲ 8.1%

2023 · €22k

2021: €22k 2022: €21k 2023: €22k

2021 → 2024

Working capital

€56k▲ 1.7%

2023 · €55k

2021: €26k 2022: €39k 2023: €55k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€26k-€47k▲ 82.5%€69k▲ 46.6%€68k▼ 1.8%

Operating result€33k-€29k▼ 11.6%€31k▲ 6.5%€33k▲ 7.2%

Net result€22k-€21k▼ 2.4%€22k▲ 3.0%€24k▲ 8.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 7% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €100k

12.4%

87.6%

Fixed assets €12k▼ 18.3%

Current assets €87k▲ 38.7%

Equity and liabilities €100k

68.3%

31.7%

Equity €68k▼ 1.8%

Debt €32k▲ 259%

The debt ratio rises from 11.3% to 31.7%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€36k▲

2023 · €34k

Cash flow

€27k▲

2023 · €25k

Solvency

68.3%▼

2023 · 88.7%

Current ratio

2.76▼

2023 · 7.69

Quick ratio

2.76▼

2023 · 7.69

Debt / equity

0.46▲

2023 · 0.13

ROE

35.0%▲

2023 · 31.8%

ROA

23.9%▼

2023 · 28.2%

Interest coverage

47.34▲

2023 · 21.63

Debt

€32k▲

2023 · €9k

Debt ≤ 1 year

€32k▲

2023 · €8k

Income taxes

€8k▲

2023 · €7k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€78k€100k▲

Fixed assets21/28€15k€12k▼

Tangible fixed assets22/27€15k€12k▼

Plant, machinery and equipment23€4k€690▼

Furniture and vehicles24€11k€12k▲

Current assets29/58€63k€87k▲

Amounts receivable within one year40/41€35k€18k▼

Trade receivables40€35k€18k▼

Other amounts receivable41-€61

Cash at bank and in hand54/58€28k€69k▲

Deferred charges and accrued income490/1€378€391▲

Equity and liabilities

Total equity and liabilities10/49€78k€100k▲

Equity10/15€69k€68k▼

Contributions10/11€4k€4k=

Reserves13€65k€64k▼

Distributable reserves133€65k€64k▼

Amounts payable17/49€9k€32k▲

Amounts payable after more than one year17€619-

Financial debts170/4€619-

Amounts payable within one year42/48€8k€32k▲

Current portion of amounts payable after more than one year42€2k€619▼

Trade debts44€390€620▲

Suppliers440/4€390€620▲

Taxes, remuneration and social security45€5k€5k▲

Taxes450/3€5k€5k▲

Other amounts payable47/48€438€25k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲

Other operating charges640/8€721€786▲

Gross operating margin9900€35k€37k▲

Operating profit (loss)9901€31k€33k▲

Financial income75/76B€38€11▼

Recurring financial income75€38€11▼

Financial charges65/66B€2k€769▼

Recurring financial charges65€2k€769▼

Profit (loss) for the period before taxes9903€29k€32k▲

Income taxes67/77€7k€8k▲

Profit (loss) for the period9904€22k€24k▲

Profit (loss) for the period to be appropriated9905€22k€24k▲

Appropriation of the result

Profit (loss) to be appropriated9906€22k€24k▲

Transfer from equity791/2-€25k

Transfer to equity691/2€22k€24k▲

To other reserves6921€22k€24k▲

Profit to be distributed694/7-€25k

Return on contributions (dividend)694-€25k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

23-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2021net €24k ▲8.1%

Operating result €33k, net result €24k, both a record.

26-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

14-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €21k ▼2.4%

Net result drops to €21k, the lowest in the series; recovery starts the following year.

11-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Mechelen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Stuivenbergbaan 672800 Mechelen

Ground area

210 m²

Building footprint

93 m²

Volume, LiDAR

611 m³

Parcel 12404F0244/00V002, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

JoVa

Stuivenbergbaan 67, 2800 MechelenComputer programming, consultancy and related activities

since 20212.312.377.951

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12404F0244/00V002	Flanders	210 m²	1 · 93 m²	10.4 m · 2 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.

Public money · subsidies and aid

Flemish government

2023 · 1 entry · 659 EUR paid

Year	Entries	awarded	paid
2023	1	0 EUR	659 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 659 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

VICO

BE 0437.423.676

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Beveren-Kruibeke-Zwijndrecht · Eq €68k

WILDCARD

BE 0479.396.962

Brugge · Eq €68k

Informatisation Consultants

BE 0728.727.544

Nazareth-De Pinte · Eq €68k

Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,545 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-01-2021

Fiscal year end31-12

Abbreviation NL JoVa

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.