JORVAN 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 €1.50M and a net result of €-23k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 93% of 7980 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
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 30-09-2025 was due by 30-04-2026 and was filed on 07-04-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
29 d early
2023
15 d early
2022
31 d early
2021
30 d early
2020
32 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.50M▼ 1.5%
2024 · €1.52M
2018: €1.31M
2019: €1.43M
2020: €1.54M
2021: €1.60M
2022: €1.61M
2023: €1.60M
2024: €1.52M
2018 → 2025
Net result
€-23k▲ 70.0%
2024 · €-77k
2018: €111k
2019: €114k
2020: €117k
2021: €51k
2022: €18k
2023: €-14k
2024: €-77k
2018 → 2025
Total assets
€1.59M▲ 1.2%
2024 · €1.57M
2018: €1.39M
2019: €1.53M
2020: €1.67M
2021: €1.71M
2022: €1.75M
2023: €1.73M
2024: €1.57M
2018 → 2025
Solvency
94.4%▼ 2.6pp
2024 · 97.0%
2018: 94.5%
2019: 93.2%
2020: 92.4%
2021: 93.2%
2022: 92.4%
2023: 92.6%
2024: 97.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.60M-€1.61M▲ 1.1%€1.60M▼ 0.9%€1.52M▼ 4.8%€1.50M▼ 1.5%
Operating result€71k-€28k▼ 60.3%€-8k€-119k▼ 1,309%€-34k▲ 71.2%
Net result€51k-€18k▼ 64.3%€-14k€-77k▼ 436%€-23k▲ 70.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €34k in 2025 against €119k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€584k▼ 11.2%
Current assets
€1.01M▲ 10.2%
Equity and liabilities €1.59M
Equity
€1.50M▼ 1.5%
Debt
€89k▲ 89.4%
The debt ratio rises from 3.0% to 5.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
94.4%▼
2024 · 97.0%
ROE
-1.5%▲
2024 · -5.0%
ROA
-1.4%▲
2024 · -4.9%
Debt
€89k▲
2024 · €47k
Debt ≤ 1 year
€89k▲
2024 · €47k
Income taxes
€4k▼
2024 · €16k
Staff costs
€3k▲
2024 · €3k
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€1.57M€1.59M▲
Fixed assets21/28€658k€584k▼
Tangible fixed assets22/27€658k€584k▼
Land and buildings22€610k€553k▼
Furniture and vehicles24€47k€30k▼
Current assets29/58€912k€1.01M▲
Amounts receivable within one year40/41€11k€34k▲
Trade receivables40-€24k
Other amounts receivable41€11k€10k▼
Current investments50/53€890k€880k▼
Cash at bank and in hand54/58€9k€90k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.59M▲
Equity10/15€1.52M€1.50M▼
Contributions10/11€19k€19k=
Reserves13€1.50M€1.48M▼
Distributable reserves133€1.50M€1.48M▼
Amounts payable17/49€47k€89k▲
Amounts payable within one year42/48€47k€89k▲
Trade debts44€0€1k▲
Suppliers440/4€0€1k▲
Advances received on contracts in progress46-€20k
Taxes, remuneration and social security45€609€71▼
Taxes450/3€609€71▼
Other amounts payable47/48€47k€69k▲
Income statement
Code20242025
Remuneration, social security and pensions62€3k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€74k▲
Other operating charges640/8€14k€3k▼
Gross operating margin9900€-29k€45k▲
Operating profit (loss)9901€-119k€-34k▲
Financial income75/76B€65k€21k▼
Recurring financial income75€37k€21k▼
Non-recurring financial income76B€27k€0▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€-61k€-19k▲
Income taxes67/77€16k€4k▼
Profit (loss) for the period9904€-77k€-23k▲
Profit (loss) for the period to be appropriated9905€-77k€-23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-77k€-23k▲
Transfer from equity791/2€77k€23k▼
The notes to these accounts (14 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
12-08
State Gazette act
General meeting · Director reappointment
Permanent representative · Auditor appointment
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-77k
Net result drops to €-77k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 19.32
Current ratio from 7.36 to 19.32; short-term debt falls from €127k to €47k.
15-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €117k ▲2.8%
Operating result €170k, net result €117k, both a record.
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Roeselare · 1 establishment unit since 2006
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.
Valleistraat 16A8800 RoeselareGround area
1,700 m²
Building footprint
310 m²
Parcel 36302B1289/00B003, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
JORVAN
since 20062.155.171.338
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36302B1289/00B003 | Flanders | 1,700 m² | 1 · 310 m² | 0.1 m |
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.
Structure & network
Ownership & control
1 partyJORVANBE 0882.498.377
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 11,751 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2006
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.