Turnover
≈ €210,000 estimated
The micro format states no turnover.
JOVEBM
Lifetime
1 annual account with figurespeak €20,919 (2025)
€20,919
peak €4,781 (2025)
€4,781
peak €6,781 (2025)
€6,781
€69,115
Board1 name since 2025
1 directorVERMEIR Joëlle
Documentsfilings and deeds
12-08-202612 days late
2025micro format
Incorporation 18-041 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€69,115 91% of the balance sheet
Suppliers 57%Taxes and wages 9%Other 34%
Starting capital
€2,000 100 shares
2025 accounts filed 12 days after the deadline
Checked score
36
Weak
Financially stronger than 33% of micro companies in food and beverage service (NACE 56)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.3% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,791 companies (NACE 56, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2026: 3.9%lowest value
06-2026: 4.0%▲ +0.1 percentage points vs 05-2026
07-2026: 4.1%▲ +0.1 percentage points vs 06-2026
08-2026: 4.4%▲ +0.3 percentage points vs 07-2026
09-2026: 4.9%▲ +0.5 percentage points vs 08-2026
10-2026: 5.3%▲ +0.4 percentage points vs 09-2026highest value
11-2026: 5.3%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Founded in 2025
Sector: Food and beverage service activities (NACE 56)
Size: total assets €75,897
Liquidity: current ratio 0.11, cash €3,265
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 32% of them on solvency, 6% on liquidity and 60% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 320 companies had the same profile as JOVEBM has now. Each dot is one company, two years later.
96.3%
were still trading
2.5%
stopped another way
0.9%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JOVEBM itself is higher: 5.3% within 12 months. It rests on far more data about JOVEBM than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 320 companies, not a prediction for JOVEBM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is insufficient, with a current ratio of 0.11, below 1. Short-term debt is 91.1% and cash 4.3% of total assets. 91.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 12 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
12 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1022417909
Incorporation
Founding capital of €2,000, 100 shares · Founder: VERMEIR Joëlle · Appointment: VERMEIR Joëlle (director) · published on 18-04-2025 · Gazette deed
First establishment
Markt 10, Asse
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JOVEBM Asse | €75,897 | €20,919 | 8.9% | - |
| HOZEN Vilvoorde | €64,150 | €20,229 | 9.4% | - |
| MODO Sint-Pieters-Leeuw | €64,484 | €31,422 | 41.6% | - |
| CHAFA FOOD GROUP Zaventem | €50,243 | €20,856 | 59.7% | - |
| De Haesjes Tienen | €84,748 | €18,528 | 49.4% | - |
| Tweestrijd Mol | €93,914 | €20,562 | 14.6% | - |
| MOERMEEUW Bruges | €85,436 | €23,244 | 22.4% | - |
These companies have the same main activity as JOVEBM: cafés and bars (NACE 56301). They are comparable in size and age: total assets between €50,200 and €93,900, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 16-04-2025Normal situation
- Activity
- Cafés and barsNACE 56301
- Establishment unit
- 2.373.475.1821730 Asse, since 16-04-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 08-07-2025
Insights on JOVEBM
The computed 12-month bankruptcy probability of JOVEBM is 5.3% (elevated). The 2025 annual accounts show equity of €6,781 and a net result of €4,781.
Its solvency ranks better than 32% of 17,162 sector peers (NACE 56, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JOVEBM
- What is the company number of JOVEBM?
- The company number of JOVEBM is 1022.417.909. The VAT number is the same number with BE in front: BE 1022.417.909.
- Where is JOVEBM based?
- The registered office is at Markt 10, 1730 Asse.Company details
- What does JOVEBM do?
- According to the KBO register, the main activity is cafés and bars (NACE 56301).
- What is the legal form of JOVEBM?
- JOVEBM is a private limited company (BV).
- When was JOVEBM founded?
- JOVEBM was founded on 16-04-2025.
- Is JOVEBM still active?
- Yes, JOVEBM is an active enterprise in the KBO register.
- How many employees does JOVEBM have?
- JOVEBM had an average of 0.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of JOVEBM?
- The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €20,919 and 100 comparable companies (NACE 56301). It probably lies between €110,000 and €470,000. It is a rough estimate.
- Is JOVEBM profitable?
- In financial year 2025, JOVEBM made a profit of €4,781.
- Where can I find the annual accounts of JOVEBM?
- JOVEBM filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See whether the workforce is growing and whether people stay.Employer check
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