JOVADI
ActiveJOVADI has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €386k and a net result of €971k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency52▼-28
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 2.72 in 2024; short-term debt: 52.8% and cash: 59% of total assets), and 73% of the assets are financed with debt.
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
27%
Return on assets
67.9%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
23 d early
2024
2 d early
2023
79 d early
2022
54 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, abbreviated schema
Equity
€386k▼ 47.7%
2024 · €740k
2022: €8k
2023: €340k
2024: €740k
2022 → 2025
Total assets
€1.43M▲ 5.7%
2024 · €1.35M
2022: €928k
2023: €1.15M
2024: €1.35M
2022 → 2025
Net result
€971k▲ 143%
2024 · €399k
2022: €-17k
2023: €346k
2024: €399k
2022 → 2025
Working capital
€221k▼ 21.5%
2024 · €281k
2022: €-79k
2023: €40k
2024: €281k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€340k▲ 4,009%€740k▲ 117%€386k▼ 47.7%
Operating result€-5k-€-5k▲ 1.7%€-7k▼ 40.6%€274k
Net result€-17k-€346k€399k▲ 15.3%€971k▲ 143%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €274k after a loss of €7k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.43M
Fixed assets
€454k▼ 50.0%
Current assets
€976k▲ 119%
Equity and liabilities €1.43M
Equity
€386k▼ 47.7%
Debt
€1.04M▲ 70.1%
The debt ratio rises from 45.3% to 73.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
27.0%▼
2024 · 54.7%
Current ratio
1.29▼
2024 · 2.72
Quick ratio
1.29▼
2024 · 2.72
Debt / equity
2.70▲
2024 · 0.83
ROE
251.3%▲
2024 · 54.0%
ROA
67.9%▲
2024 · 29.5%
Debt
€1.04M▲
2024 · €613k
Debt ≤ 1 year
€755k▲
2024 · €163k
Debt > 1 year
€285k▼
2024 · €446k
Income taxes
€53k▲
2024 · €0
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€1.35M€1.43M▲
Fixed assets21/28€908k€454k▼
Financial fixed assets28€908k€454k▼
Current assets29/58€445k€976k▲
Amounts receivable within one year40/41€26k€27k▲
Trade receivables40-€18k
Other amounts receivable41€26k€9k▼
Current investments50/53€116k€105k▼
Cash at bank and in hand54/58€302k€843k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.43M▲
Equity10/15€740k€386k▼
Contributions10/11€25k€25k=
Reserves13€315k€315k=
Distributable reserves133€315k€315k=
Profit (loss) carried forward14€399k€46k▼
Amounts payable17/49€613k€1.04M▲
Amounts payable after more than one year17€446k€285k▼
Financial debts170/4€446k€285k▼
Amounts payable within one year42/48€163k€755k▲
Current portion of amounts payable after more than one year42€158k€160k▲
Taxes, remuneration and social security45€118€4k▲
Taxes450/3€118€4k▲
Other amounts payable47/48€6k€590k▲
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Other operating charges640/8€118€1k▲
Gross operating margin9900€-7k€275k▲
Operating profit (loss)9901€-7k€274k▲
Financial income75/76B€418k€765k▲
Recurring financial income75€418k€765k▲
Financial charges65/66B€12k€14k▲
Recurring financial charges65€12k€14k▲
Profit (loss) for the period before taxes9903€399k€1.02M▲
Income taxes67/77€0€53k▲
Profit (loss) for the period9904€399k€971k▲
Profit (loss) for the period to be appropriated9905€399k€971k▲
Appropriation of the result
Profit (loss) to be appropriated9906€399k€1.37M▲
Profit (loss) brought forward from the previous period14P€0€399k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0€1.32M▲
Return on contributions (dividend)694€0€1.32M▲
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
04-09
State Gazette act
General meeting · Registered-office moveGeneral meeting · Registered-office move2 facts ▸
State Gazette act
General meeting · Registered-office move
General meeting · Registered-office move2 facts ▸
- General meeting, 2026-06-01
- Registered-office move, Voorkempenlaan 8, 2900 Schoten
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2022net €971k ▲143%
Operating result €274k, net result €971k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.72
Current ratio from 1.20 to 2.72; short-term debt falls from €206k to €163k.
31-12
Financial
Equity above €500kEq €740k ▲117%
2 profitable years in a row build equity to €740k.
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €346k
Net result €346k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 1.20
Current ratio from 0.20 to 1.20.
31-12
Financial
Equity above €200kEq €340k ▲4009%
Equity rises from €8k to €340k.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schoten · 1 establishment unit since 2022
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.
Voorkempenlaan 62900 SchotenGround area
2,589 m²
Building footprint
391 m²
Volume, LiDAR
1,962 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOVADI
since 20222.329.209.233
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0308/00Y011 | Flanders | 1,874 m² | 1 · 270 m² | 9.2 m · 2 fl. |
| 11442C0323/00R000 | Flanders | 715 m² | 1 · 121 m² | 6.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
9845009CAQRFFA540D52
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4MAT Consulting
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JABO INVEST
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ROYAUX BOUW
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LA-SJ
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 36,606 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.