JOVA
ActiveJOVA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-13k) and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 9369 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
21
/ 100
Critical▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency38▲+5
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.73 against 0.48 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-26%
Return on assets
37%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 9369 sector peers (2025).
NBB · sector comparisonPosition among 9369 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-04-2026, 120 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
120 d early
2024
135 d early
2023
29 d early
2022
27 d early
2021
34 d early
2020
33 d early
2019
31 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€83k
EBIT margin
4.3%
Net result
€18k▲ 726%
2024 · €2k
2018: €-3k
2019: €-19k
2020: €5k
2021: €3k
2022: €-32k
2023: €-12k
2024: €2k
2018 → 2025
Working capital
€-14k▲ 53.4%
2024 · €-29k
2018: €22k
2019: €44k
2020: €5k
2021: €8k
2022: €-23k
2023: €-32k
2024: €-29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€83k-
Equity€12k-€-20k€-33k▼ 60.2%€-30k▲ 6.6%€-13k▲ 58.7%
Operating result€4k-€-31k€-9k▲ 71.8%€3k€19k▲ 513%
Net result€3k-€-32k€-12k▲ 62.2%€2k€18k▲ 726%
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 three years in a row; 2025 is 513% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€12k▼ 18.9%
Current assets
€36k▲ 35.0%
Key figures and ratios
EBITDA
€21k▲
2024 · €9k
Cash flow
€21k▲
2024 · €8k
Solvency
-26.0%▲
2024 · -72.9%
Current ratio
0.73▲
2024 · 0.48
Quick ratio
0.73▲
2024 · 0.48
Debt / equity
-4.85▼
2024 · -2.37
ROE
-142.1%▼
2024 · -7.1%
ROA
37.0%▲
2024 · 5.2%
Interest coverage
36.07▲
2024 · 12.19
Debt
€61k▼
2024 · €72k
Debt ≤ 1 year
€50k▼
2024 · €56k
Debt > 1 year
€11k▼
2024 · €16k
Income taxes
€141▲
2024 · €140
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€42k€48k▲
Fixed assets21/28€15k€12k▼
Tangible fixed assets22/27€15k€12k▼
Furniture and vehicles24€14k€12k▼
Other tangible fixed assets26€544€340▼
Current assets29/58€27k€36k▲
Amounts receivable within one year40/41€8k€9k▲
Trade receivables40€8k€9k▲
Cash at bank and in hand54/58€18k€28k▲
Deferred charges and accrued income490/1€469-
Equity and liabilities
Total equity and liabilities10/49€42k€48k▲
Equity10/15€-30k€-13k▲
Contributions10/11€19k€19k=
Reserves13€7k€7k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€-56k€-38k▲
Amounts payable17/49€72k€61k▼
Amounts payable after more than one year17€16k€11k▼
Financial debts170/4€16k€11k▼
Amounts payable within one year42/48€56k€50k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€4k€722▼
Taxes450/3€1k€722▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€43k€43k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€182€1k▲
Gross operating margin9900€9k€23k▲
Operating profit (loss)9901€3k€19k▲
Financial charges65/66B€731€594▼
Recurring financial charges65€731€594▼
Profit (loss) for the period before taxes9903€2k€18k▲
Income taxes67/77€140€141▲
Profit (loss) for the period9904€2k€18k▲
Profit (loss) for the period to be appropriated9905€2k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€-38k▲
Profit (loss) brought forward from the previous period14P€-58k€-56k▲
The notes to these accounts (7 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €18k ▲726%
Operating result €19k, net result €18k, both a record.
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-32k ▼1389%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
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, Balen · 1 establishment unit since 2016
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.
Deliestraat 192490 BalenGround area
1,202 m²
Building footprint
195 m²
Parcel 13003A1244/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
Jova Architectuur
since 20162.260.467.016
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003A1244/00N000 | Flanders | 1,201 m² | 1 · 195 m² | - |
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.
Similar companies · same sector, comparable size
REDeG Solutions
BE 0743.877.558
Tessenderlo-Ham · Eq €12k
Casium
BE 0676.948.449
Kontich · Eq €12k
Valérie Van Hove Architectenbureau
BE 0883.648.719
Schoten · Eq €12k
Romain Magotteaux Ingénieur
BE 0795.999.024
Couvin · Eq €12k
ARCHITECTUURBUREAU VERGAUWEN
BE 0472.409.695
Leuven · Eq €12k
Of 18,210 companies in sector 71111 we hold annual accounts for 6,291. 3,723 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2016
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.