Jovago
ActiveJovago has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €7k. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
80
/ 100
Excellent▼ -20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-48
Solvency66▼-34
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.49 against 7.18 in 2024), but 72% 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
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
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 →
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
28%
Return on assets
2.9%
Age of the figures
14 mo
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 16-12-2025, 46 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
46 d early
2024
28 d early
2023
43 d early
2022
46 d early
2021
39 d early
← before the deadline
after the deadline →
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 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▼ 27.7%
2024 · €100k
2021: €34k
2022: €49k
2023: €64k
2024: €100k
2021 → 2025
Total assets
€257k▲ 72.3%
2024 · €149k
2021: €85k
2022: €78k
2023: €86k
2024: €149k
2021 → 2025
Net result
€7k▼ 79.1%
2024 · €36k
2021: €32k
2022: €15k
2023: €15k
2024: €36k
2021 → 2025
Working capital
€36k▼ 60.2%
2024 · €90k
2021: €27k
2022: €43k
2023: €58k
2024: €90k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€49k▲ 44.1%€64k▲ 31.2%€100k▲ 55.7%€72k▼ 27.7%
Operating result€46k-€23k▼ 50.7%€23k▲ 0.4%€46k▲ 102%€13k▼ 70.9%
Net result€32k-€15k▼ 53.1%€15k▲ 2.1%€36k▲ 134%€7k▼ 79.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257k
Fixed assets
€197k▲ 348%
Current assets
€60k▼ 42.7%
Equity and liabilities €257k
Equity
€72k▼ 27.7%
Debt
€185k▲ 273%
The debt ratio rises from 33.2% to 72.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€43k▼
2024 · €52k
Cash flow
€37k▼
2024 · €41k
Solvency
28.0%▼
2024 · 66.8%
Current ratio
2.49▼
2024 · 7.18
Quick ratio
2.49▼
2024 · 7.18
Debt / equity
2.57▲
2024 · 0.50
ROE
10.4%▼
2024 · 35.8%
ROA
2.9%▼
2024 · 23.9%
Interest coverage
10.45▼
2024 · 27.08
Debt
€185k▲
2024 · €49k
Debt ≤ 1 year
€24k▲
2024 · €15k
Debt > 1 year
€160k▲
2024 · €35k
Income taxes
€2k▼
2024 · €9k
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€149k€257k▲
Formation expenses20€0€0=
Fixed assets21/28€44k€197k▲
Tangible fixed assets22/27€44k€197k▲
Land and buildings22-€163k
Leasing and similar rights25€44k€34k▼
Current assets29/58€105k€60k▼
Amounts receivable after more than one year29€4k-
Other amounts receivable291€4k-
Amounts receivable within one year40/41€23k€12k▼
Trade receivables40€9k€10k▲
Other amounts receivable41€14k€2k▼
Cash at bank and in hand54/58€77k€44k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€149k€257k▲
Equity10/15€100k€72k▼
Contributions10/11€2k€2k=
Reserves13€98k€70k▼
Distributable reserves133€98k€70k▼
Amounts payable17/49€49k€185k▲
Amounts payable after more than one year17€35k€160k▲
Financial debts170/4€35k€160k▲
Amounts payable within one year42/48€15k€24k▲
Current portion of amounts payable after more than one year42€8k€17k▲
Trade debts44€1k€190▼
Suppliers440/4€1k€190▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3-€446
Income statement
Code20242025
Non-recurring operating income76A€8k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€29k▲
Other operating charges640/8€553€1k▲
Gross operating margin9900€52k€44k▼
Operating profit (loss)9901€46k€13k▼
Financial income75/76B€427€401▼
Recurring financial income75€427€401▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€45k€10k▼
Income taxes67/77€9k€2k▼
Profit (loss) for the period9904€36k€7k▼
Profit (loss) for the period to be appropriated9905€36k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€7k▼
Transfer from equity791/2-€35k
Transfer to equity691/2€36k€7k▼
To other reserves6921€36k€7k▼
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (11 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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €7k ▼79.1%
Net result drops to €7k, the lowest in the series.
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2021net €36k ▲134%
Net result €36k, the highest in the series.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Dendermonde · 1 establishment unit since 2019
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.
Lange Dijkstraat (STG) 309200 DendermondeGround area
211 m²
Building footprint
95 m²
Volume, LiDAR
1 m³
Parcel 42021A0280/00T002, Flanders · tallest building 0.5 m. Linked by address, not a title deed.
1 establishment unit
Jovago
since 20192.293.827.591
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42021A0280/00T002 | Flanders | 211 m² | 1 · 95 m² | 0.5 m |
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.
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HIT CARS
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EAC CONSTRUCT
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JP MAT REAL ESTATE
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Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 1,393 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2019
Fiscal year end30-06
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.