JOVAN
ActiveJOVAN has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €2k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+12
Solvency100=
Growth85=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 0.93 in 2024; short-term debt: 8% and cash: 8.8% of total assets), and 8% 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 · 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
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
92%
Return on assets
5%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
7 d late
2023
23 d late
2022
6 d early
2021
54 d late
2020
10 d late
2019
27 d late
← 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, micro schema
Turnover
€4k▲ 351%
2018 · €925
2018: €925
2018 → 2019
EBIT margin
56.7%▲ 108.4pp
2018 · -51.7%
2018: -51.7%
2018 → 2019
Net result
€2k▲ 1,205%
2024 · €139
2018: €-600
2019: €2k
2021: €3k
2022: €2k
2023: €-4k
2024: €139
2018 → 2025
Working capital
€1k
2024 · €-561
2018: €17k
2019: €19k
2021: €32k
2022: €2k
2023: €-700
2024: €-561
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€35k▲ 4.8%€32k▼ 10.1%€32k▲ 0.4%€33k▲ 5.7%
Operating result€3k-€2k▼ 43.5%€-3k€293€2k▲ 644%
Net result€3k-€2k▼ 44.6%€-4k€139€2k▲ 1,205%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 644% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€32k=
Current assets
€4k▼ 43.8%
Equity and liabilities €36k
Equity
€33k▲ 5.7%
Debt
€3k▼ 63.4%
The debt ratio falls from 20.2% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
92.0%▲
2024 · 79.8%
Current ratio
1.43▲
2024 · 0.93
Quick ratio
1.43▲
2024 · 0.93
Debt / equity
0.09▼
2024 · 0.25
ROE
5.4%▲
2024 · 0.4%
ROA
5.0%▲
2024 · 0.4%
Debt
€3k▼
2024 · €8k
Debt ≤ 1 year
€3k▼
2024 · €8k
Income taxes
€182▲
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€40k€36k▼
Fixed assets21/28€32k€32k=
Financial fixed assets28€32k€32k=
Current assets29/58€7k€4k▼
Amounts receivable within one year40/41€1k€990▼
Trade receivables40€1k€990▼
Cash at bank and in hand54/58€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€40k€36k▼
Equity10/15€32k€33k▲
Contributions10/11€25k€25k=
Reserves13€20k€8k▼
Non-distributable reserves130/1€3k€0▼
Reserves not available under the articles1311€3k€0▼
Distributable reserves133€18k€8k▼
Profit (loss) carried forward14€-13k€0▲
Amounts payable17/49€8k€3k▼
Amounts payable within one year42/48€8k€3k▼
Trade debts44€2k€591▼
Suppliers440/4€2k€591▼
Taxes, remuneration and social security45-€182
Taxes450/3-€182
Other amounts payable47/48€6k€2k▼
Income statement
Code20242025
Other operating charges640/8€241€793▲
Gross operating margin9900€534€3k▲
Operating profit (loss)9901€293€2k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€155€185▲
Recurring financial charges65€155€185▲
Profit (loss) for the period before taxes9903€139€2k▲
Income taxes67/77€0€182▲
Profit (loss) for the period9904€139€2k▲
Profit (loss) for the period to be appropriated9905€139€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€2k▲
Profit (loss) brought forward from the previous period14P€-14k€0▲
Transfer to equity691/2-€2k
To other reserves6921-€2k
The notes to these accounts (6 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €139
Net result €139 after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €-4k ▼320%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 54 days late
2021
31-12
Financial
Highest result since 2018net €3k ▲34.9%
Operating result €3k, net result €3k, both a record.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 9 days late
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 49 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hooglede · 1 establishment unit since 1991
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.
Bruggestraat 1798830 HoogledeGround area
160 m²
Building footprint
48 m²
Volume, LiDAR
172 m³
Parcel 36005C0579/00D002, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JOVAN
since 19912.051.653.037
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36005C0579/00D002 | Flanders | 160 m² | 1 · 47 m² | 6.3 m · 1 fl. |
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
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AZTRA
BE 0765.865.379
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AUTO CONTINENTAL
BE 1007.391.619
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INTER AUTO
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Of 2,131 companies in sector 46711 we hold annual accounts for 1,126. 673 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-1991
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
50101
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
47300Retail sale of automotive fuel
50103
50200
50301
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.