JOVANI
ActiveSummary
The computed 12-month bankruptcy probability of JOVANI is 6.1% (elevated). The 2025 annual accounts show negative equity (€-3k) and a net result of €-1k. Equity is shrinking by ~65.9% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record94
Bankruptcy probability, 12 months
6.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
6 d late
2024
19 d late
2023
41 d early
2022
29 d late
2021
61 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-3k▼ 58.3%
2024 · €-2k
2021: €2khighest in 5 years
2022: €1k▼ -47.4% vs 2021
2023: €-1k▼ -190% vs 2022
2024: €-2k▼ -110% vs 2023
2025: €-3k▼ -58.3% vs 2024lowest in 5 years
2021 → 2025
Total assets
€1k▼ 5.9%
2024 · €1k
2021: €38khighest in 5 years
2022: €3k▼ -91.6% vs 2021
2023: €1k▼ -58.0% vs 2022
2024: €1k▼ -12.4% vs 2023
2025: €1k▼ -5.9% vs 2024lowest in 5 years
2021 → 2025
Net result
€-1k▼ 11.4%
2024 · €-1k
2021: €-3klowest in 5 years
2022: €-1k▲ +64.7% vs 2021highest in 5 years
2023: €-2k▼ -111% vs 2022
2024: €-1k▲ +48.1% vs 2023
2025: €-1k▼ -11.4% vs 2024
2021 → 2025
Working capital
€-3k▼ 58.3%
2024 · €-2k
2021: €2khighest in 5 years
2022: €1k▼ -47.4% vs 2021
2023: €-1k▼ -190% vs 2022
2024: €-2k▼ -110% vs 2023
2025: €-3k▼ -58.3% vs 2024lowest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€1k▼ 47.4%€-1k€-2k▼ 110%€-3k▼ 58.3%
2021: €2khighest in 5 years
2022: €1k▼ -47.4% vs 2021
2023: €-1k▼ -190% vs 2022
2024: €-2k▼ -110% vs 2023
2025: €-3k▼ -58.3% vs 2024lowest in 5 years
Operating result€-3k-€-928▲ 67.4%€-1k▼ 37.8%€-1k▲ 21.7%€-887▲ 11.4%
2021: €-3klowest in 5 years
2022: €-928▲ +67.4% vs 2021
2023: €-1k▼ -37.8% vs 2022
2024: €-1k▲ +21.7% vs 2023
2025: €-887▲ +11.4% vs 2024highest in 5 years
Net result€-3k-€-1k▲ 64.7%€-2k▼ 111%€-1k▲ 48.1%€-1k▼ 11.4%
2021: €-3klowest in 5 years
2022: €-1k▲ +64.7% vs 2021highest in 5 years
2023: €-2k▼ -111% vs 2022
2024: €-1k▲ +48.1% vs 2023
2025: €-1k▼ -11.4% vs 2024
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 stays negative: a loss of €887 in 2025 against €1k in 2024; the loss shrinks.
Key figures and ratios
Debt
€4k▲
2024 · €3k
Debt ≤ 1 year
€4k▲
2024 · €3k
Ratios withheld: a balance sheet total of €1k is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 24 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1k€1k▼
Current assets29/58€1k€1k▼
Amounts receivable within one year40/41€1k€1k=
Other amounts receivable41€1k€1k=
Cash at bank and in hand54/58€92€22▼
Equity and liabilities
Total equity and liabilities10/49€1k€1k▼
Equity10/15€-2k€-3k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-7k€-8k▼
Amounts payable17/49€3k€4k▲
Amounts payable within one year42/48€3k€4k▲
Trade debts44€1k€702▼
Suppliers440/4€1k€702▼
Other amounts payable47/48€2k€4k▲
Income statement
Code20242025
Other operating charges640/8€118€120▲
Gross operating margin9900€-884€-767▲
Operating profit (loss)9901€-1k€-887▲
Financial charges65/66B€104€345▲
Recurring financial charges65€104€345▲
Profit (loss) for the period before taxes9903€-1k€-1k▼
Profit (loss) for the period9904€-1k€-1k▼
Profit (loss) for the period to be appropriated9905€-1k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-8k▼
Profit (loss) brought forward from the previous period14P€-6k€-7k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €348 | €102 | €109 | €118 | €120 | ▲ 1.7% |
| Gross operating margin9900 | €-3k | €-826 | €-1k | €-884 | €-767 | ▲ 13.2% |
| Operating profit (loss)9901 | €-3k | €-928 | €-1k | €-1k | €-887 | ▲ 11.4% |
| Financial charges65/66B | €16 | €83 | €851 | €104 | €345 | ▲ 230% |
| Recurring financial charges65 | €16 | €83 | €851 | €104 | €345 | ▲ 230% |
| Profit (loss) for the period before taxes9903 | €-3k | €-1k | €-2k | €-1k | €-1k | ▼ 11.4% |
| Profit (loss) for the period9904 | €-3k | €-1k | €-2k | €-1k | €-1k | ▼ 11.4% |
| Profit (loss) for the period to be appropriated9905 | €-3k | €-1k | €-2k | €-1k | €-1k | ▼ 11.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €38k | €3k | €1k | €1k | €1k | ▼ 5.9% |
| Current assets29/58 | €38k | €3k | €1k | €1k | €1k | ▼ 5.9% |
| Amounts receivable within one year40/41 | €38k | €3k | €1k | €1k | €1k | = |
| Trade receivables40 | €35k | - | - | - | - | - |
| Other amounts receivable41 | €3k | €3k | €1k | €1k | €1k | = |
| Cash at bank and in hand54/58 | €320 | €636 | €260 | €92 | €22 | ▼ 76.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €38k | €3k | €1k | €1k | €1k | ▼ 5.9% |
| Equity10/15 | €2k | €1k | €-1k | €-2k | €-3k | ▼ 58.3% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €-3k | €-4k | €-6k | €-7k | €-8k | ▼ 17.3% |
| Amounts payable17/49 | €36k | €2k | €2k | €3k | €4k | ▲ 35.2% |
| Amounts payable within one year42/48 | €36k | €2k | €2k | €3k | €4k | ▲ 35.2% |
| Trade debts44 | €1k | €2k | €526 | €1k | €702 | ▼ 52.1% |
| Suppliers440/4 | €1k | €2k | €526 | €1k | €702 | ▼ 52.1% |
| Other amounts payable47/48 | €35k | €102 | €2k | €2k | €4k | ▲ 105% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-3k | €-1k | €-2k | €-1k | €-1k | ▼ 11.4% |
| Operating cash flow (approximation) | €-3k | €-1k | €-2k | €-1k | €-1k | ▼ 11.4% |
| Change in cash | - | €317 | €-376 | €-168 | €-70 | ▲ 58.3% |
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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Schilde
Ground area
3,885 m²
Building footprint
367 m²
Volume, LiDAR
2,288 m³
Parcel 11041B0520/00F002, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0520/00F002 | Flanders | 3,885 m² | 1 · 367 m² | 12.2 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.
Identification & contact
Identification
Legal formPrivate limited company
Founded03-06-2021
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.