JoVB
ActiveSummary
JoVB has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €916k and a net result of €47k. Equity is growing by ~35.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▼-25
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 23.44 against 6.07 in 2023; short-term debt: 3.9% and cash: 18.8% of total assets), and 3.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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 2024Solvency, return and age of the figures
Solvency
96.1%
Return on assets
5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-07-2025, 13 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
13 d early
2023
26 d early
2022
5 d early
2021
26 d early
2020
24 d late
2019
16 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€916k▲ 5.5%
2023 · €869k
2018: €176k
2019: €205k
2020: €336k
2021: €394k
2022: €665k
2023: €869k
2018 → 2024
Total assets
€953k▼ 8.3%
2023 · €1.04M
2018: €214k
2019: €244k
2020: €433k
2021: €500k
2022: €844k
2023: €1.04M
2018 → 2024
Net result
€47k▼ 84.1%
2023 · €298k
2018: €76k
2019: €29k
2020: €131k
2021: €58k
2022: €271k
2023: €298k
2018 → 2024
Working capital
€836k▼ 3.7%
2023 · €868k
2018: €176k
2019: €205k
2020: €334k
2021: €392k
2022: €664k
2023: €868k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€336k-€394k▲ 17.2%€665k▲ 68.9%€869k▲ 30.6%€916k▲ 5.5%
Operating result€195k-€85k▼ 56.4%€406k▲ 379%€436k▲ 7.3%€54k▼ 87.6%
Net result€131k-€58k▼ 55.8%€271k▲ 370%€298k▲ 9.9%€47k▼ 84.1%
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 2024; 2024 is 88% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €953k
Fixed assets
€80k ▲ 22,050%
Current assets
€873k ▼ 16.0%
Equity and liabilities €953k
Equity
€916k ▲ 5.5%
Debt
€37k ▼ 78.2%
Debt's share of the balance-sheet total falls from 16.5% to 3.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2023 · €437k
Cash flow
€64k▼
2023 · €299k
Current ratio
23.44▲
2023 · 6.07
Debt to equity
0.04▼
2023 · 0.20
ROE
5.2%▼
2023 · 34.3%
ROA
5.0%▼
2023 · 28.7%
Interest coverage
515.87▼
2023 · 6947.14
Debt ≤ 1 year
€37k▼
2023 · €171k
Income taxes
€24k▼
2023 · €148k
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 · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.04M€953k▼
Fixed assets21/28€361€80k▲
Tangible fixed assets22/27€361€80k▲
Furniture and vehicles24€361€80k▲
Current assets29/58€1.04M€873k▼
Amounts receivable within one year40/41-€94k
Other amounts receivable41-€94k
Current investments50/53€650k€600k▼
Cash at bank and in hand54/58€390k€179k▼
Deferred charges and accrued income490/1-€572
Equity and liabilities
Total equity and liabilities10/49€1.04M€953k▼
Equity10/15€869k€916k▲
Contributions10/11€6k€6k=
Reserves13€863k€910k▲
Distributable reserves133€863k€910k▲
Amounts payable17/49€171k€37k▼
Amounts payable within one year42/48€171k€37k▼
Trade debts44€141k€37k▼
Suppliers440/4€141k€37k▼
Taxes, remuneration and social security45€30k-
Taxes450/3€30k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€17k▲
Other operating charges640/8€53€4k▲
Gross operating margin9900€437k€75k▼
Operating profit (loss)9901€436k€54k▼
Financial income75/76B€10k€17k▲
Recurring financial income75€10k€17k▲
Financial charges65/66B€63€137▲
Recurring financial charges65€63€137▲
Profit (loss) for the period before taxes9903€446k€71k▼
Income taxes67/77€148k€24k▼
Profit (loss) for the period9904€298k€47k▼
Profit (loss) for the period to be appropriated9905€298k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€298k€47k▼
Transfer from equity791/2€94k-
Transfer to equity691/2€298k€47k▼
To other reserves6921€298k€47k▼
Profit to be distributed694/7€94k-
Return on contributions (dividend)694€94k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
24-08
State Gazette act
General meeting · Statutes amendment
Director resignation · Permanent representative
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 23.44
Current ratio from 6.07 to 23.44; short-term debt falls from €171k to €37k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
10-06
State Gazette act
General meeting · Director resignation
Permanent representative · Director reappointment
2023
31-12
Financial
Highest result since 2018net €298k ▲9.9%
Operating result €436k, net result €298k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €665k ▲68.9%
5 profitable years in a row build equity to €665k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
13-06
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
09-08
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
Show earlier events
28-06
State Gazette act
General meeting · Legal-form conversion
Reserve release · Corporate purpose · Koen Scheurweghs
25-06
State Gazette act
General meeting · Board meeting
Director resignation · Director reappointment
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €29k ▼61.5%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €205k ▲16.5%
2 profitable years in a row build equity to €205k.
30-10
State Gazette act
Board meeting · Director appointment
Permanent representative · Statutes amendment
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
02-05
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 8 days late
2015
18-12
State Gazette act
General meeting · Director appointment
Permanent representative · Statutes amendment
30-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
Financial milestoneState Gazette actNBB 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, Leuven · 1 establishment unit since 2015
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.
Trolieberg 163010 LeuvenGround area
5,005 m²
Building footprint
220 m²
Volume, LiDAR
1,458 m³
Parcel 24483E0185/00H002, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Trolieberg 16, 3010 Leuven
since 20152.243.320.186
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0185/00H002 | Flanders | 5,005 m² | 1 · 220 m² | 11.8 m · 2 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.
Structure & network
Connections & network
6 connected companiesLinked via shared directors
Shared director
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Shared director
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Shared director
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Shared director
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Show 2 more companies with a shared director
Shared director
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Shared director
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Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
3 locations
1 location
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 4,727 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
82100Office administrative and support services
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.