JOVABO
ActiveSummary
JOVABO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €22k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 85% of 960 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+7
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 7.5 against 7.36 in 2024; short-term debt: 9.7% and cash: 38.1% of total assets), and 17.3% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← fewer bankruptcies
more bankruptcies →
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
82.7%
Return on assets
18%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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
5 d late
2024
4 d late
2023
6 d early
2022
2 d late
2021
16 d late
2020
16 d early
2019
25 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▼ 12.4%
2024 · €113k
2019: €61k
2020: €85k
2021: €102k
2022: €94k
2023: €118k
2024: €113k
2019 → 2025
Total assets
€120k▼ 13.8%
2024 · €139k
2019: €104k
2020: €165k
2021: €160k
2022: €131k
2023: €146k
2024: €139k
2019 → 2025
Net result
€22k▲ 31.2%
2024 · €16k
2019: €20k
2020: €24k
2021: €17k
2022: €10k
2023: €24k
2024: €16k
2019 → 2025
Working capital
€75k▼ 9.7%
2024 · €83k
2019: €40k
2020: €64k
2021: €69k
2022: €57k
2023: €83k
2024: €83k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€94k▼ 8.1%€118k▲ 26.0%€113k▼ 4.4%€99k▼ 12.4%
Operating result€24k-€13k▼ 43.1%€34k▲ 153%€21k▼ 38.9%€31k▲ 47.1%
Net result€17k-€10k▼ 42.3%€24k▲ 150%€16k▼ 32.6%€22k▲ 31.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 47% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€33k ▼ 22.4%
Current assets
€87k ▼ 10.0%
Equity and liabilities €120k
Equity
€99k ▼ 12.4%
Debt
€21k ▼ 19.8%
Debt's share of the balance-sheet total falls from 18.6% to 17.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €34k
Cash flow
€32k▲
2024 · €30k
Current ratio
7.50▲
2024 · 7.36
Debt to equity
0.21▼
2024 · 0.23
ROE
21.8%▲
2024 · 14.6%
ROA
18.0%▲
2024 · 11.9%
Interest coverage
29.45▲
2024 · 25.74
Debt ≤ 1 year
€12k▼
2024 · €13k
Debt > 1 year
€9k▼
2024 · €13k
Income taxes
€10k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€139k€120k▼
Fixed assets21/28€42k€33k▼
Tangible fixed assets22/27€20k€11k▼
Plant, machinery and equipment23€599€1k▲
Furniture and vehicles24€20k€10k▼
Financial fixed assets28€22k€22k=
Current assets29/58€96k€87k▼
Amounts receivable after more than one year29€30k€30k=
Other amounts receivable291€30k€30k=
Amounts receivable within one year40/41€33k€10k▼
Trade receivables40€12k€9k▼
Other amounts receivable41€21k€486▼
Cash at bank and in hand54/58€32k€46k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€139k€120k▼
Equity10/15€113k€99k▼
Contributions10/11€3k€3k=
Reserves13€94k€97k▲
Distributable reserves133€94k€97k▲
Profit (loss) carried forward14€16k€13▼
Amounts payable17/49€26k€21k▼
Amounts payable after more than one year17€13k€9k▼
Financial debts170/4€13k€9k▼
Amounts payable within one year42/48€13k€12k▼
Current portion of amounts payable after more than one year42€9k€4k▼
Trade debts44€661€322▼
Suppliers440/4€661€322▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€11k▼
Other operating charges640/8€699€705▲
Gross operating margin9900€35k€42k▲
Operating profit (loss)9901€21k€31k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€22k€31k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€16k€22k▲
Profit (loss) for the period to be appropriated9905€16k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€38k▲
Profit (loss) brought forward from the previous period14P€58€16k▲
Transfer from equity791/2€12k€19k▲
Transfer to equity691/2-€22k
To other reserves6921-€22k
Profit to be distributed694/7€12k€36k▲
Return on contributions (dividend)694€12k€36k▲
The notes to these accounts (8 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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €24k ▲150%
Net result €24k, the highest in the series.
30-06
Financial
Equity above €100kEq €118k ▲26%
5 profitable years in a row build equity to €118k.
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
30-06
Financial
Weakest financial yearnet €10k ▼42.3%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
30-06
Financial
Equity above €100kEq €102k ▲19.9%
3 profitable years in a row build equity to €102k.
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Sint-Niklaas · 1 establishment unit since 2010
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.
Puyenbekestraat 199111 Sint-NiklaasGround area
420 m²
Building footprint
89 m²
Parcel 46002B1013/00N004, Flanders. Linked by address, not a title deed.
1 establishment unit
Puyenbekestraat 19, 9111 Sint-Niklaas
since 20102.199.045.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002B1013/00N004 | Flanders | 420 m² | 1 · 89 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
M & M LOGISTICS
BE 0468.069.837
Antwerpen · Eq €99k
BAITAR
BE 0479.619.666
Temse · Eq €97k
GRANEX
BE 0424.870.292
Antwerpen · Eq €96k
LEYBO DAKWERKEN
BE 0778.512.397
Dendermonde · Eq €91k
BREYDEL
BE 0433.877.436
Brugge · Eq €109k
Of 275 companies in sector 52241 we hold annual accounts for 212. 116 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2010
Fiscal year end30-06
Activities, NACEBEL 2025
52241Warehousing and support activities for transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.