JOVA
ActiveJOVA has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €675k and a net result of €210k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 4827 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+12
Solvency79▼-5
Growth64=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 2.3 in 2024; short-term debt: 33.4% and cash: 19.7% of total assets), and 46% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
54%
Return on assets
16.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 10 filingsDeviation from the deadline
2025
21 d late
2024
193 d late
2023
92 d late
2022
91 d late
2021
92 d late
2020
33 d early
2019
4 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.29M▼ 2.5%
2019 · €1.32M
2018: €1.26M
2019: €1.32M
2018 → 2020
EBIT margin
-1.2%▲ 1.5pp
2019 · -2.7%
2018: 1.9%
2019: -2.7%
2018 → 2020
Net result
€210k▲ 155%
2024 · €83k
2018: €18k
2019: €-48k
2020: €-13k
2021: €74k
2022: €74k
2023: €41k
2024: €83k
2018 → 2025
Working capital
€477k▲ 16.4%
2024 · €410k
2018: €220k
2019: €180k
2020: €242k
2021: €291k
2022: €373k
2023: €385k
2024: €410k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€448k-€521k▲ 16.4%€562k▲ 7.8%€645k▲ 14.7%€675k▲ 4.7%
Operating result€86k-€95k▲ 11.3%€55k▼ 42.8%€107k▲ 96.9%€141k▲ 31.7%
Net result€74k-€74k▼ 0.7%€41k▼ 44.8%€83k▲ 103%€210k▲ 155%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€356k▼ 2.6%
Current assets
€895k▲ 23.4%
Equity and liabilities €1.25M
Equity
€675k▲ 4.7%
Debt
€575k▲ 29.1%
The debt ratio rises from 40.9% to 46.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€203k▲
2024 · €173k
Cash flow
€272k▲
2024 · €148k
Solvency
54.0%▼
2024 · 59.1%
Current ratio
2.14▼
2024 · 2.30
Quick ratio
1.70▼
2024 · 1.84
Debt / equity
0.85▲
2024 · 0.69
ROE
31.2%▲
2024 · 12.8%
ROA
16.8%▲
2024 · 7.6%
Interest coverage
26.74▼
2024 · 27.48
Debt
€575k▲
2024 · €445k
Debt ≤ 1 year
€418k▲
2024 · €315k
Debt > 1 year
€157k▲
2024 · €131k
Income taxes
€34k▲
2024 · €20k
Staff costs
€402k▲
2024 · €378k
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€1.09M€1.25M▲
Fixed assets21/28€365k€356k▼
Tangible fixed assets22/27€364k€354k▼
Land and buildings22€86k€78k▼
Plant, machinery and equipment23€274k€271k▼
Furniture and vehicles24€4k€5k▲
Financial fixed assets28€1k€1k=
Current assets29/58€725k€895k▲
Stocks and contracts in progress3€146k€186k▲
Stocks30/36€146k€186k▲
Amounts receivable within one year40/41€523k€462k▼
Trade receivables40€493k€454k▼
Other amounts receivable41€30k€8k▼
Cash at bank and in hand54/58€56k€247k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.25M▲
Equity10/15€645k€675k▲
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€381k€463k▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€66k€48k▼
Distributable reserves133€300k€400k▲
Profit (loss) carried forward14€6k€62k▲
Investment grants15€108k-
Amounts payable17/49€445k€575k▲
Amounts payable after more than one year17€131k€157k▲
Financial debts170/4€131k€157k▲
Amounts payable within one year42/48€315k€418k▲
Current portion of amounts payable after more than one year42€29k€44k▲
Trade debts44€229k€238k▲
Suppliers440/4€229k€238k▲
Taxes, remuneration and social security45€39k€63k▲
Taxes450/3-€14k
Remuneration and social security454/9€39k€50k▲
Other amounts payable47/48€18k€73k▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Remuneration, social security and pensions62€378k€402k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€61k▼
Other operating charges640/8€35k€33k▼
Gross operating margin9900€586k€637k▲
Operating profit (loss)9901€107k€141k▲
Financial income75/76B€2k€110k▲
Recurring financial income75€2k€110k▲
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€103k€244k▲
Income taxes67/77€20k€34k▲
Profit (loss) for the period9904€83k€210k▲
Transfer from tax-exempt reserves789-€30k
Transfer to tax-exempt reserves689-€12k
Profit (loss) for the period to be appropriated9905€83k€228k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€234k▲
Profit (loss) brought forward from the previous period14P€3k€6k▲
Transfer to equity691/2€80k€100k▲
To other reserves6921€80k€100k▲
Profit to be distributed694/7-€71k
Return on contributions (dividend)694-€71k
Social balance
Average headcount (FTE)90876.56.9▲
The notes to these accounts (12 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 21 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 193 days late
2025
31-12
Financial
Highest result since 2018net €210k ▲155%
Operating result €141k, net result €210k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 92 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 91 days late
2022
31-12
Financial
Equity above €500kEq €521k ▲16.4%
2 profitable years in a row build equity to €521k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
2021
31-12
Financial
Back to profitnet €74k
Net result €74k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-48k ▼370%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Herstal · 1 establishment unit since 1988
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.
Rue de l'Abbaye 464040 HerstalGround area
4,492 m²
Building footprint
1,056 m²
Volume, LiDAR
7,573 m³
Parcel 62312B0024/00S005, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOVA
since 19882.037.445.606
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62312B0024/00S005 | Wallonia | 4,492 m² | 1 · 1,056 m² | 8.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerstal2.037.445.606
Similar companies · same sector, comparable size
NOYEN
BE 0435.893.452
Evergem · Eq €672k
Walcome
BE 0444.078.272
Ieper · Eq €672k
BINET
BE 0454.335.528
Liège · Eq €679k
BASIC BUSINESS
BE 0472.385.743
Tournai · Eq €663k
VLEESHANDEL BAERTS
BE 0444.156.961
Hasselt · Eq €694k
Of 756 companies in sector 46321 we hold annual accounts for 551. 419 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-03-1988
Fiscal year end31-12
Activities, NACEBEL
10130Manufacture of food products
15131
46321Wholesale of meat and meat products, excluding game and poultry
51321
47210Retail sale of fruit and vegetables
47810Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.