Josvi
ActiveSummary
Josvi has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81,777 and a net result of €63,177. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 53% of 13085 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Activities of lawyers
NACE 69101
1 site
How big
€136,681total assets 2025
- Equity
- €81,777
- Profit
- €63,177
Turnover not published (abridged schema)
Who decides
Accounts 1 d early0 of 2 deeds read
Why 81- Limited track record+ Lower-failure-rate sector+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency85▼-10
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 3.2 against 3.35 in 2024; short-term debt: 17.9% and cash: 5.8% of total assets), and 40.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.8%
Return on assets
46.2%
Age of the figures
15 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
2 d late
2022
2 d late
2021
25 d late
2020
5 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 4 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 (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 2 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet €63,177 ▼29.2%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €136,681Profit €63,177Solvency 59.8%Liquidity 3.20
Total assets
€136,681▼ 26.2%
2020 - 2025
Net result
€63,177▼ 29.2%
2020 - 2025
Equity
€81,777▼ 37.2%
2020 - 2025
Solvency
59.8%▼ 10.5pp
2020 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€87,722▼ 49.8%€90,667▲ 3.4%€152,412▲ 68.1%€116,067▼ 23.8%€86,305▼ 25.6%
Net result€68,923above the sector's middle half▼ 47.0%€71,103above the sector's middle half▲ 3.2%€117,476above the sector's middle half▲ 65.2%€89,205above the sector's middle half▼ 24.1%€63,177within the sector's middle half▼ 29.2%
Equity€211,262within the sector's middle half▲ 48.4%€282,365above the sector's middle half▲ 33.7%€406,041above the sector's middle half▲ 43.8%€130,246within the sector's middle half▼ 67.9%€81,777within the sector's middle half▼ 37.2%
Total assets€246,234within the sector's middle half▲ 43.0%€287,013within the sector's middle half▲ 16.6%€427,867within the sector's middle half▲ 49.1%€185,259within the sector's middle half▼ 56.7%€136,681within the sector's middle half▼ 26.2%
Debt€34,973▲ 17.3%€4,648▼ 86.7%€21,826▲ 370%€55,013▲ 152%€54,903▼ 0.2%
Working capital€196,498above the sector's middle half▲ 63.1%€274,144above the sector's middle half▲ 39.5%€403,424above the sector's middle half▲ 47.2%€129,253within the sector's middle half▼ 68.0%€53,570within the sector's middle half▼ 58.6%
Solvency85.8%above the sector's middle half▲ 3.1pp98.4%above the sector's middle half▲ 12.6pp94.9%above the sector's middle half▼ 3.5pp70.3%within the sector's middle half▼ 24.6pp59.8%within the sector's middle half▼ 10.5pp
Current ratio6.68above the sector's middle half▲ 1.5962.56above the sector's middle half▲ 55.8819.48above the sector's middle half▼ 43.083.35within the sector's middle half▼ 16.133.20within the sector's middle half▼ 0.15
Return on assets (ROA)28.0%above the sector's middle half▼ 47.5pp24.8%within the sector's middle half▼ 3.2pp27.5%within the sector's middle half▲ 2.7pp48.2%above the sector's middle half▲ 20.7pp46.2%above the sector's middle half▼ 1.9pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 26% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136,681
Fixed assets
€58,707 ▲ 5,814%
Current assets
€77,974 ▼ 57.7%
Equity and liabilities €136,681
Equity
€81,777 ▼ 37.2%
Debt
€54,903 ▼ 0.2%
Debt's share of the balance-sheet total rises from 29.7% to 40.2%. Equity and debt are lower.
Key figures and ratios
Key figures and ratios
EBITDA
€88,832▼
2024 · €118,732
Cash flow
€65,705▼
2024 · €91,869
Debt to equity
0.67▲
2024 · 0.42
ROE
77.3%▲
2024 · 68.5%
Interest coverage
11.54▼
2024 · 337.87
Debt ≤ 1 year
€24,403▼
2024 · €55,013
Debt > 1 year
€30,500
Income taxes
€18,594▼
2024 · €27,286
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €6,000 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,087 | €6,718 | €5,799 | €2,665 | €2,527 | ▼ 5.1% |
| Other operating charges640/8 | - | €993 | €188 | €864 | €817 | ▼ 5.4% |
| Gross operating margin9900 | €95,063 | €98,378 | €158,400 | €119,596 | €89,649 | ▼ 25.0% |
| Operating profit (loss)9901 | €87,722 | €90,667 | €152,412 | €116,067 | €86,305 | ▼ 25.6% |
| Financial income75/76B | - | €241 | €288 | €775 | €3,165 | ▲ 309% |
| Recurring financial income75 | €97 | €241 | €288 | €775 | €3,165 | ▲ 309% |
| Financial charges65/66B | - | €230 | €205 | €351 | €7,699 | ▲ 2,091% |
| Recurring financial charges65 | €279 | €230 | €205 | €351 | €7,699 | ▲ 2,091% |
| Profit (loss) for the period before taxes9903 | €87,540 | €90,677 | €152,495 | €116,491 | €81,771 | ▼ 29.8% |
| Income taxes67/77 | €18,617 | €19,574 | €35,019 | €27,286 | €18,594 | ▼ 31.9% |
| Profit (loss) for the period9904 | €68,923 | €71,103 | €117,476 | €89,205 | €63,177 | ▼ 29.2% |
| Profit (loss) for the period to be appropriated9905 | €68,923 | €71,103 | €117,476 | €89,205 | €63,177 | ▼ 29.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €246,234 | €287,013 | €427,867 | €185,259 | €136,681 | ▼ 26.2% |
| Fixed assets21/28 | €15,134 | €8,416 | €2,617 | €993 | €58,707 | ▲ 5,814% |
| Tangible fixed assets22/27 | €15,134 | €8,416 | €2,617 | €993 | €58,707 | ▲ 5,814% |
| Plant, machinery and equipment23 | - | €1,437 | €278 | €993 | €5,983 | ▲ 503% |
| Furniture and vehicles24 | - | €6,979 | €2,339 | €0 | €52,724 | - |
| Current assets29/58 | €231,100 | €278,597 | €425,251 | €184,266 | €77,974 | ▼ 57.7% |
| Amounts receivable after more than one year29 | - | - | - | - | €9,964 | - |
| Other amounts receivable291 | - | - | - | - | €9,964 | - |
| Amounts receivable within one year40/41 | €49,142 | €32,265 | €86,265 | €118,700 | €58,838 | ▼ 50.4% |
| Trade receivables40 | - | €29,384 | €76,425 | €117,255 | €48,794 | ▼ 58.4% |
| Other amounts receivable41 | - | €2,881 | €9,840 | €1,446 | €10,044 | ▲ 595% |
| Cash at bank and in hand54/58 | €180,667 | €242,239 | €337,611 | €63,913 | €7,880 | ▼ 87.7% |
| Deferred charges and accrued income490/1 | - | €4,093 | €1,375 | €1,653 | €1,292 | ▼ 21.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €246,234 | €287,013 | €427,867 | €185,259 | €136,681 | ▼ 26.2% |
| Equity10/15 | €211,262 | €282,365 | €406,041 | €130,246 | €81,777 | ▼ 37.2% |
| Contributions10/11 | - | €12,400 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | - | €269,965 | €387,441 | €111,646 | €63,177 | ▼ 43.4% |
| Distributable reserves133 | - | €269,965 | €387,441 | €111,646 | €63,177 | ▼ 43.4% |
| Profit (loss) carried forward14 | €198,862 | €0 | - | €0 | €0 | - |
| Amounts payable17/49 | €34,973 | €4,648 | €21,826 | €55,013 | €54,903 | ▼ 0.2% |
| Amounts payable after more than one year17 | - | - | - | - | €30,500 | - |
| Financial debts170/4 | - | - | - | - | €30,500 | - |
| Amounts payable within one year42/48 | €34,603 | €4,453 | €21,826 | €55,013 | €24,403 | ▼ 55.6% |
| Trade debts44 | €6,769 | €1,613 | €3,909 | €11,193 | €392 | ▼ 96.5% |
| Suppliers440/4 | - | €1,613 | €3,909 | €11,193 | €392 | ▼ 96.5% |
| Taxes, remuneration and social security45 | - | €2,677 | €17,265 | €43,398 | €21,999 | ▼ 49.3% |
| Taxes450/3 | - | €2,677 | €17,265 | €43,398 | €21,999 | ▼ 49.3% |
| Other amounts payable47/48 | - | €163 | €653 | €422 | €2,012 | ▲ 376% |
| Accrued charges and deferred income492/3 | - | €195 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €68,923 | €71,103 | €117,476 | €89,205 | €63,177 | ▼ 29.2% |
| + Depreciation and write-downs630 | €7,087 | €6,718 | €5,799 | €2,665 | €2,527 | ▼ 5.1% |
| Operating cash flow (approximation) | €76,010 | €77,821 | €123,275 | €91,869 | €65,705 | ▼ 28.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,041 | -€60,242 | ▼ 5,689% |
| Change in cash | - | €61,573 | €95,372 | -€273,698 | -€56,033 | ▲ 79.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
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RAPHAËL LEBRUN
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BE 0744.800.939
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BE 0658.857.751
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Of 22,057 companies in this sector we hold annual accounts for 9,060. 7,539 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
9 eventsLatest 30-01-2026Next filing 31-01-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €63,177 ▼29.2%
Net result drops to €63,177, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
30-06
Financial
Liquidity times 9current ratio 62.56
Current ratio from 6.68 to 62.56; short-term debt falls from €34,603 to €4,453.
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-06
Financial
Equity above €200,000Eq €211,262 ▲48.4%
2 profitable years in a row build equity to €211,262.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Support & recognitions
1 funding sourceFlanders €1,401
Flemish government
€1,401
awarded · 2022 - 2025
Subsidies and aid
Flemish government
2022 to 2025 · 4 entries · €1,401 awarded · €1,401 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | €95 | €95 |
| 2024 | 1 | €797 | €797 |
| 2023 | 1 | €49 | €49 |
| 2022 | 1 | €460 | €460 |
Company details
Private limited company · founded 25-09-2018Year ends 30-06Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded25-09-2018
Fiscal year end30-06
Activities, NACEBEL 2025
69101Activities of lawyers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0705823468
Also
9925:BE0705823468
Registered
08-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Moorslede · 1 establishment unit since 2018
Ground area
1,320 m²
Building footprint
230 m²
Volume, LiDAR
1,369 m³
2 parcels, Flanders · tallest building 14.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Josvi
since 2018unit no. 2.318.505.579
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36012A1244/00B002 | Flanders | 920 m² | 1 · 154 m² | 14.6 m · 1 fl. |
| 36504D0685/00M002 | Flanders | 400 m² | 1 · 76 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Go further with this company
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