Jove

Active

Private limited companyfounded 20224 yrs activePylyserlaan(Kok) 47, 8670 Koksijde, BelgiumKBO/BCE: BE 0782.481.578

The computed 12-month bankruptcy probability of Jove is 2.6% (moderate). The 2024 annual accounts show negative equity (€-98k) and a net result of €-10k. Its solvency ranks better than 17% of 15869 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

34 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability49▲+49

Solvency12=

Growth58

Track record94

Bankruptcy probability, 12 months

2.6% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.38 against 0.25 in 2023; short-term debt: 80.2% and cash: 3.4% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

-13.4%

Return on assets

-1.4%

Age of the figures

21 mo

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 →

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

2324

2023 to 2024 · latest year €-98k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

61 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€-98k▼ 11.6%

2023 · €-88k

2023: €-88k

2023 → 2024

Total assets

€731k▲ 10.7%

2023 · €660k

2023: €660k

2023 → 2024

Net result

€-10k▲ 92.0%

2023 · €-128k

2023: €-128k

2023 → 2024

Working capital

€-364k▲ 0.7%

2023 · €-366k

2023: €-366k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€-88k-€-98k▼ 11.6%

Operating result€-113k-€2k

Net result€-128k-€-10k▲ 92.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €2k after a loss of €113k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €730k

69.5%

30.5%

Fixed assets €508k▼ 6.0%

Current assets €223k▲ 86.7%

Key figures and ratios

2024 value · change against 2023

EBITDA

€47k▲

2023 · €-68k

Cash flow

€35k▲

2023 · €-82k

Solvency

-13.4%▼

2023 · -13.3%

Current ratio

0.38▲

2023 · 0.25

Quick ratio

0.04▲

2023 · 0.03

Debt / equity

-8.48▲

2023 · -8.54

ROA

-1.4%▲

2023 · -19.3%

Interest coverage

3.83▲

2023 · -4.59

Debt

€829k▲

2023 · €748k

Debt ≤ 1 year

€586k▲

2023 · €485k

Debt > 1 year

€243k▼

2023 · €262k

Income taxes

€218▼

2023 · €313

Staff costs

€30k▲

2023 · €12k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€660k€731k▲

Formation expenses20€1k€715▼

Fixed assets21/28€540k€508k▼

Tangible fixed assets22/27€540k€508k▼

Land and buildings22€471k€449k▼

Plant, machinery and equipment23€38k€31k▼

Furniture and vehicles24€30k€28k▼

Financial fixed assets28€300€300=

Current assets29/58€119k€223k▲

Stocks and contracts in progress3€104k€197k▲

Stocks30/36€104k€197k▲

Amounts receivable within one year40/41-€424

Trade receivables40-€424

Cash at bank and in hand54/58€14k€25k▲

Deferred charges and accrued income490/1€914€255▼

Equity and liabilities

Total equity and liabilities10/49€660k€731k▲

Equity10/15€-88k€-98k▼

Contributions10/11€40k€40k=

Profit (loss) carried forward14€-128k€-138k▼

Amounts payable17/49€748k€829k▲

Amounts payable after more than one year17€262k€243k▼

Financial debts170/4€262k€243k▼

Amounts payable within one year42/48€485k€586k▲

Current portion of amounts payable after more than one year42€19k€19k▲

Trade debts44€24k€9k▼

Suppliers440/4€24k€9k▼

Taxes, remuneration and social security45€10k€32k▲

Taxes450/3€8k€26k▲

Remuneration and social security454/9€2k€7k▲

Other amounts payable47/48€433k€525k▲

Accrued charges and deferred income492/3€720€118▼

Income statement Code20232024

Remuneration, social security and pensions62€12k€30k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€45k▼

Other operating charges640/8€7k€4k▼

Gross operating margin9900€-49k€81k▲

Operating profit (loss)9901€-113k€2k▲

Financial income75/76B€686€166▼

Recurring financial income75€686€166▼

Financial charges65/66B€15k€12k▼

Recurring financial charges65€15k€12k▼

Profit (loss) for the period before taxes9903€-127k€-10k▲

Income taxes67/77€313€218▼

Profit (loss) for the period9904€-128k€-10k▲

Profit (loss) for the period to be appropriated9905€-128k€-10k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-128k€-138k▼

Profit (loss) brought forward from the previous period14P-€-128k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

30-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 61 days late

NBB filing

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, Koksijde · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Pylyserlaan(Kok) 478670 Koksijde

Ground area

1,067 m²

Building footprint

394 m²

Volume, LiDAR

3,684 m³

2 parcels, Flanders · tallest building 22.1 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

Babette

Albert I Laan(Odk) 75, 8670 KoksijdeWholesale trade

since 20222.328.757.984

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
38342H0572/00B000	Flanders	810 m²	1 · 158 m²	7.1 m · 1 fl.
38502G0071/00_000	Flanders	256 m²	1 · 236 m²	22.1 m · 6 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector and region

We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 1,275 companies in sector 46160 we hold annual accounts for 685.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-02-2022

Fiscal year end31-12

Activities, NACEBEL

46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods

47713Retail trade

46150Agents in the wholesale of furniture, household goods and hardware

46412Wholesale of household textiles and bedding

46419Wholesale trade

46423Wholesale of clothing, excluding workwear and underwear

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.