Summary
JOVAMCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €21,666 and a net result of €5,114. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 1502 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 1502 sector peers (2025).
NBB · sector comparisonPosition among 1502 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €21,666
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
13 d early
2023
33 d early
2022
6 d early
2021
19 d late
2020
26 d late
2019
31 d late
← 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 1 day before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 18 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 oldest company in Beringen, Finance and insurance sector
Equity
€21,666▲ 30.9%
2024 · €16,552
Net result
€5,114▼ 57.3%
2024 · €11,972
Total assets
€163,147▲ 2.6%
2024 · €159,067
Solvency
13.3%▲ 2.9pp
2024 · 10.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,932-€6,721▼ 248%-€4,509▲ 32.9%€12,303€5,440▼ 55.8%
Net result-€2,442below the sector's middle half-€7,130below the sector's middle half▼ 192%-€4,753below the sector's middle half▲ 33.3%€11,972within the sector's middle half€5,114below the sector's middle half▼ 57.3%
Equity€16,462below the sector's middle half▼ 12.9%€9,332below the sector's middle half▼ 43.3%€4,580below the sector's middle half▼ 50.9%€16,552below the sector's middle half▲ 261%€21,666below the sector's middle half▲ 30.9%
Total assets€164,738within the sector's middle half▼ 2.7%€156,867within the sector's middle half▼ 4.8%€150,702within the sector's middle half▼ 3.9%€159,067within the sector's middle half▲ 5.6%€163,147below the sector's middle half▲ 2.6%
Debt€148,276▼ 1.4%€147,534▼ 0.5%€146,122▼ 1.0%€142,514▼ 2.5%€141,481▼ 0.7%
Working capital-€111,109below the sector's middle half▼ 14.9%-€123,703below the sector's middle half▼ 11.3%-€127,327below the sector's middle half▼ 2.9%-€118,183below the sector's middle half▲ 7.2%-€115,092below the sector's middle half▲ 2.6%
Solvency10.0%below the sector's middle half▼ 1.2pp5.9%below the sector's middle half▼ 4.0pp3.0%below the sector's middle half▼ 2.9pp10.4%below the sector's middle half▲ 7.4pp13.3%below the sector's middle half▲ 2.9pp
Current ratio0.18below the sector's middle half▼ 0.110.09below the sector's middle half▼ 0.080.07below the sector's middle half▼ 0.030.13below the sector's middle half▲ 0.060.15below the sector's middle half▲ 0.02
Return on assets (ROA)-1.5%below the sector's middle half▼ 5.8pp-4.5%below the sector's middle half▼ 3.1pp-3.2%below the sector's middle half▲ 1.4pp7.5%within the sector's middle half▲ 10.7pp3.1%within the sector's middle half▼ 4.4pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163,147
Fixed assets
€142,699 ▲ 0.7%
Current assets
€20,448 ▲ 17.8%
Equity and liabilities €163,147
Equity
€21,666 ▲ 30.9%
Debt
€141,481 ▼ 0.7%
Debt's share of the balance-sheet total falls from 89.6% to 86.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
23.6%▼
2024 · 72.3%
Debt ≤ 1 year
€135,539=
2024 · €135,540
Debt > 1 year
€4,302▼
2024 · €6,394
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,491 | €8,501 | €7,122 | €7,340 | €7,929 | ▲ 8.0% |
| Other operating charges640/8 | €4,007 | €4,032 | €4,411 | €4,653 | €4,707 | ▲ 1.2% |
| Non-recurring operating charges66A | - | - | - | - | €4,413 | - |
| Gross operating margin9900 | €9,566 | €5,812 | €7,024 | €24,296 | €22,489 | ▼ 7.4% |
| Operating profit (loss)9901 | -€1,932 | -€6,721 | -€4,509 | €12,303 | €5,440 | ▼ 55.8% |
| Financial income75/76B | €0 | - | €124 | €0 | €0 | ▲ 2,050% |
| Recurring financial income75 | €0 | - | €124 | €0 | €0 | ▲ 2,050% |
| Financial charges65/66B | €510 | €408 | €367 | €330 | €327 | ▼ 1.1% |
| Recurring financial charges65 | €510 | €408 | €367 | €330 | €327 | ▼ 1.1% |
| Profit (loss) for the period before taxes9903 | -€2,442 | -€7,130 | -€4,753 | €11,972 | €5,114 | ▼ 57.3% |
| Profit (loss) for the period9904 | -€2,442 | -€7,130 | -€4,753 | €11,972 | €5,114 | ▼ 57.3% |
| Profit (loss) for the period to be appropriated9905 | -€2,442 | -€7,130 | -€4,753 | €11,972 | €5,114 | ▼ 57.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €164,738 | €156,867 | €150,702 | €159,067 | €163,147 | ▲ 2.6% |
| Fixed assets21/28 | €140,502 | €143,988 | €141,424 | €141,710 | €142,699 | ▲ 0.7% |
| Tangible fixed assets22/27 | €140,502 | €143,988 | €141,424 | €141,710 | €142,699 | ▲ 0.7% |
| Land and buildings22 | €134,887 | €138,818 | €136,700 | €137,152 | €142,699 | ▲ 4.0% |
| Plant, machinery and equipment23 | €4,693 | €4,648 | €4,603 | €4,558 | - | - |
| Furniture and vehicles24 | €923 | €522 | €121 | - | - | - |
| Current assets29/58 | €24,236 | €12,879 | €9,278 | €17,357 | €20,448 | ▲ 17.8% |
| Amounts receivable within one year40/41 | - | €4,000 | - | - | - | - |
| Other amounts receivable41 | - | €4,000 | - | - | - | - |
| Cash at bank and in hand54/58 | €23,295 | €7,859 | €8,362 | €16,405 | €19,733 | ▲ 20.3% |
| Deferred charges and accrued income490/1 | €941 | €1,020 | €916 | €952 | €715 | ▼ 25.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €164,738 | €156,867 | €150,702 | €159,067 | €163,147 | ▲ 2.6% |
| Equity10/15 | €16,462 | €9,332 | €4,580 | €16,552 | €21,666 | ▲ 30.9% |
| Contributions10/11 | €80,987 | €80,987 | €80,987 | €80,987 | €80,987 | = |
| Capital10 | €80,987 | €80,987 | €80,987 | €80,987 | €80,987 | = |
| Issued capital100 | €80,987 | €80,987 | €80,987 | €80,987 | €80,987 | = |
| Reserves13 | €3,099 | €3,099 | €3,099 | €3,099 | €3,099 | = |
| Non-distributable reserves130/1 | €3,099 | €3,099 | €3,099 | €3,099 | €3,099 | = |
| Legal reserve130 | €3,099 | €3,099 | €3,099 | €3,099 | €3,099 | = |
| Profit (loss) carried forward14 | -€67,624 | -€74,753 | -€79,506 | -€67,533 | -€62,420 | ▲ 7.6% |
| Amounts payable17/49 | €148,276 | €147,534 | €146,122 | €142,514 | €141,481 | ▼ 0.7% |
| Amounts payable after more than one year17 | €12,442 | €10,463 | €8,447 | €6,394 | €4,302 | ▼ 32.7% |
| Financial debts170/4 | €12,442 | €10,463 | €8,447 | €6,394 | €4,302 | ▼ 32.7% |
| Amounts payable within one year42/48 | €135,344 | €136,581 | €136,605 | €135,540 | €135,539 | = |
| Current portion of amounts payable after more than one year42 | €1,942 | €1,979 | €2,016 | €2,053 | €2,092 | ▲ 1.9% |
| Trade debts44 | - | €1,201 | €1,187 | €85 | €46 | ▼ 46.5% |
| Suppliers440/4 | - | €1,201 | €1,187 | €85 | €46 | ▼ 46.5% |
| Other amounts payable47/48 | €133,402 | €133,402 | €133,402 | €133,402 | €133,402 | = |
| Accrued charges and deferred income492/3 | €490 | €490 | €1,070 | €580 | €1,640 | ▲ 183% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,442 | -€7,130 | -€4,753 | €11,972 | €5,114 | ▼ 57.3% |
| + Depreciation and write-downs630 | €7,491 | €8,501 | €7,122 | €7,340 | €7,929 | ▲ 8.0% |
| Operating cash flow (approximation) | €5,049 | €1,372 | €2,370 | €19,313 | €13,043 | ▼ 32.5% |
| Investment in fixed assets (approximation) | - | -€11,987 | -€4,558 | -€7,626 | -€8,919 | ▼ 17.0% |
| Change in cash | - | -€15,436 | €503 | €8,043 | €3,329 | ▼ 58.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11,972
Net result €11,972 after 3 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€7,130
Net result drops to -€7,130, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €7,318
Net result €7,318 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Beringen · 1 establishment unit since 1993
Ground area
213 m²
Building footprint
213 m²
Volume, LiDAR
1,794 m³
Parcel 71004A0527/00D002, Flanders · tallest building 14.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JOVAMCO NV
since 19932.060.507.850
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71004A0527/00D002 | Flanders | 213 m² | 1 · 213 m² | 14.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 1,593 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded20-11-1992
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0448720515
Also
9925:BE0448720515
Registered
16-10-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.