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JOVAK

Active
Private limited companyfounded 200323 yrs activeVaartweg 440, 2100 Antwerpen, BelgiumKBO/BCE: BE 0859.659.530
Summary

JOVAK has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of €258,987. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 68% of 1478 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
JOVAKActiveChecked score 57/100
Risk analysis ReportCompare

Overview

Activity
Hotels and similar accommodation
NACE 55100NACE 74401
1 site
Size
€2.9mtotal assets 2025
Equity
€1.3m
Profit
€258,987
Turnover not published (abridged schema)
Financial health
57 Fair Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts filed 116 d late0 of 7 deeds read
Why 57Capped at 59: a confirmed filing finding- Latest accounts 117 days late; 1 of the last 3 late+ Size: total assets €2.9m+ Founded in 2003+ Figures for FY 2025 (filed 27-05-2026)Show the evidence

Checked score

Score 2025
57 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 75% of its sector peers (NACE 55, small)
Performance against the sector, not lower risk
A confirmed filing finding caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 68+8
equity 42.8% of total assets
Liquidity 56+4
short-term debt 6.1% · cash 4.9%
Profitability 80=
return on assets 8.8%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (575 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▲ +25.3% vs 11-2024 01-2025: 0.2%▲ +75.0% vs 12-2024 02-2025: < 0.1%▼ -77.9% vs 01-2025lowest value 03-2025: < 0.1%● 0.0% vs 02-2025lowest value 04-2025: < 0.1%● 0.0% vs 03-2025lowest value 05-2025: < 0.1%● 0.0% vs 04-2025lowest value 06-2025: < 0.1%● 0.0% vs 05-2025lowest value 07-2025: < 0.1%● 0.0% vs 06-2025lowest value 08-2025: < 0.1%● 0.0% vs 07-2025lowest value 09-2025: 0.1%▲ +20.8% vs 08-2025 10-2025: 0.1%▲ +22.4% vs 09-2025 11-2025: 0.1%▲ +11.3% vs 10-2025 12-2025: 0.1%▲ +25.3% vs 11-2025 01-2026: 0.2%▲ +60.6% vs 12-2025 02-2026: 0.3%▲ +96.9% vs 01-2026 03-2026: 0.4%▲ +27.2% vs 02-2026 04-2026: 0.7%▲ +81.4% vs 03-2026 05-2026: 0.8%▲ +13.4% vs 04-2026highest value 06-2026: 0.1%▼ -85.8% vs 05-2026 07-2026: 0.1%● 0.0% vs 06-2026 08-2026: 0.1%● 0.0% vs 07-2026 09-2026: 0.1%▲ +25.0% vs 08-2026 10-2026: 0.2%▲ +8.3% vs 09-2026
  • Latest accounts 117 days late; 1 of the last 3 late raises the probability
  • Size: total assets €2.9m lowers the probability for this profile
  • Founded in 2003 lowers the probability for this profile
  • Figures for FY 2025 (filed 27-05-2026) lowers the probability
Credit up to €70,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.99 against 1.04 in 2024; short-term debt: 6.1% and cash: 4.9% of total assets), and 57.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 55, small). Better than this share of them on solvency 65%, liquidity 76%, profitability 87%, growth against the median 71%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Latest accounts 117 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: total assets €2.9m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 2003
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 27-05-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-05-2026, 116 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filings
Deviation from the deadline
2025
116 d late
2024
4 d early
2023
6 d early
2022
20 d early
2021
on the day
2020
16 d late
2019
2 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 14 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.

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. Usually files around 27 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close03-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Highest result since 2019net €302,915 ▲53.2%

Key points

  • Positive: Among the best 5% on net resultsector median €1,970 · 1,479 companies €258,987 View
  • Caution: Latest accounts filed lateafter the legal deadline 116 d View
  • Positive: 6 profitable years in a rowprofit 2025: €258,987 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€2.9m
Profit
€258,987
Solvency
42.8%
Total assets▼ 8.8%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-01-2027
  1. 27-05-2026Annual accounts filed
  2. 27-01-2025Annual accounts filed
  3. 30-06-2024Highest result since 2019
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Hotels and similar accommodationNACE 55100
Founded
16-07-2003
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark

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