Jovere
ActiveSummary
Jovere has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,371 and a net result of €46,878. Its solvency ranks better than 66% of 20,659 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €87,371
- Profit
- €46,878
Why 98raises riskLast filed accounts filed 31 days late; 2 of the last 3 latelowers riskSector: Human health activities (NACE 86)Liquidity: current ratio 2.84, cash €66,723Equity €87,371 (77.0% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 86, micro): better than 82% on solvency, 77% on liquidity, 80% on profitability and 91% on growth.
The bankruptcy probability was computed on 30-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 2 accounts on average 121 days after the deadline; the sector median (NACE 86) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Liquidity more than quadruplescurrent ratio 2.84
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00499390.
2024 to 2025, 2 financial years
The operating result rises in 2025; 2025 is 20% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 86, Human health activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.9% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a lower bankruptcy probability: < 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,663 | €15,245 | ▲ 817% |
| Other operating charges640/8 | - | €1,045 | - |
| Gross operating margin9900 | €56,084 | €81,609 | ▲ 45.5% |
| Operating profit (loss)9901 | €54,422 | €65,319 | ▲ 20.0% |
| Financial charges65/66B | €65 | €160 | ▲ 145% |
| Recurring financial charges65 | €65 | €160 | ▲ 145% |
| Profit (loss) for the period before taxes9903 | €54,356 | €65,159 | ▲ 19.9% |
| Income taxes67/77 | €15,863 | €18,281 | ▲ 15.2% |
| Profit (loss) for the period9904 | €38,493 | €46,878 | ▲ 21.8% |
| Profit (loss) for the period to be appropriated9905 | €38,493 | €46,878 | ▲ 21.8% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €79,615 | €113,404 | ▲ 42.4% |
| Fixed assets21/28 | €52,961 | €39,416 | ▼ 25.6% |
| Tangible fixed assets22/27 | €52,961 | €39,416 | ▼ 25.6% |
| Furniture and vehicles24 | €52,961 | €39,416 | ▼ 25.6% |
| Current assets29/58 | €26,654 | €73,988 | ▲ 178% |
| Amounts receivable within one year40/41 | €16,686 | €7,264 | ▼ 56.5% |
| Trade receivables40 | €16,686 | €7,264 | ▼ 56.5% |
| Cash at bank and in hand54/58 | €9,968 | €66,723 | ▲ 569% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €79,615 | €113,404 | ▲ 42.4% |
| Equity10/15 | €40,493 | €87,371 | ▲ 116% |
| Contributions10/11 | €2,000 | €2,000 | = |
| Reserves13 | €38,493 | €85,371 | ▲ 122% |
| Distributable reserves133 | €38,493 | €85,371 | ▲ 122% |
| Amounts payable17/49 | €39,122 | €26,033 | ▼ 33.5% |
| Amounts payable within one year42/48 | €39,122 | €26,033 | ▼ 33.5% |
| Trade debts44 | €18,524 | €1,336 | ▼ 92.8% |
| Suppliers440/4 | €18,524 | €1,336 | ▼ 92.8% |
| Taxes, remuneration and social security45 | €7,732 | €11,053 | ▲ 42.9% |
| Taxes450/3 | €7,732 | €11,053 | ▲ 42.9% |
| Other amounts payable47/48 | €12,866 | €13,644 | ▲ 6.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €38,493 | €46,878 | ▲ 21.8% |
| + Depreciation and write-downs630 | €1,663 | €15,245 | ▲ 817% |
| Operating cash flow (approximation) | €40,156 | €62,123 | ▲ 54.7% |
| Investment in fixed assets (approximation) | - | -€1,700 | - |
| Change in cash | - | €56,755 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00499390 |
| 31-12-2024 | micro format | 26-02-2026 | 2026-00047281 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| DE VIDTS Niels |
|
| VEREERTBRUGGHEN Jolien |
|
Owners and capital
Capital and shareholders
- VEREERTBRUGGHEN Jolien 100 shares (100%) · €2,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 06-06-2024 Incorporation · €2,000 · 100 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
06-06
Gazette deed
IncorporationAppointments: VEREERTBRUGGHEN Jolien (director) and DE VIDTS Niels (opvolgend bestuurder) · Permanent representative: VEREERTBRUGGHEN Jolien · Founder14 facts ▸
- Incorporation, “JOVERE” (deed in Dutch)
- Founder, VEREERTBRUGGHEN Jolien
- Founding capital, €2,000
- Capital
- Pre-incorporation commitments, ratification, “alle verrichtingen namens vennootschap aangegaan door oprichter” (deed in Dutch)
- Registered office clause, “9402 Ninove, Beneden-Hemelrijk 53” (deed in Dutch)
- Other provision, “website en e-mailadres” (deed in Dutch)
- Board rule, 1
- Director appointment, VEREERTBRUGGHEN Jolien (director (not named in the articles))
- Declaration, “afwezigheid bestuursverbod, geen strafrechtelijk noch civielrechtelijk bestuursverbod uitgesproken” (deed in Dutch)
- Declaration, “opzoeking centraal register van bestuursverboden, op heden” (deed in Dutch)
- Permanent representative, VEREERTBRUGGHEN Jolien
- +2 further facts in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 41038A0635/00B002 | Flanders | 269 m² | 1 · 142 m² | 9.0 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Alle activiteiten op het gebied van logopedie en het uitvoeren van het beroep van logopedist. Dit kan onder andere omvatten: onderzoek en…” (deed in Dutch)
11 activities (deed in Dutch)
- Alle activiteiten op het gebied van logopedie en het uitvoeren van het beroep van logopedist. Dit kan onder andere omvatten: onderzoek en behandeling van allerhande stoornissen op het vlak van spraak, taal, het leren lezen, schrijven en rekenen, in de meest ruime zin van het woord; de creatie en publicatie van logopedisch materiaal, waaronder begrepen pedagogisch materiaal, testmateriaal en therapeutisch materiaal; de aan- en verkoop en de verhuur van logopedisch materiaal; het aanbieden van paramedische behandelingen
- De uitoefening van het beroep van audioloog. Groot- en kleinhandel in hoorapparaten, hoorhulpmiddelen, gehoorbescherming en aanverwante toebehoren. Het uitvoeren van de voorschriften afgeleverd door de artsen waarbij het gehoor wordt beoogd. Audiologische metingen en sonometrie. Audiologische informatie- en coaching sessies, zowel individueel als in groepsverband. Reparatie en onderhoud van hoorapparaten, hoorhulpmiddelen, gehoorbescherming en aanverwante toebehoren
- Deze voornoemde activiteiten (audiologie en logopedie) kunnen zowel afzonderlijk als in een samenwerkingsverband met andere audiologische en/of logopedische beroepsbeoefenaars en/of specialisten worden aangeboden
- Het maken van foto's voor bedrijven en particulieren alsook het maken van fotoalbums en foto- en videoreportages in de meest ruime zin. De handel in diverse fotografische artikelen
- Het organiseren, inrichten en de promotie van evenementen in de ruimste zin van het woord (eventorganisatie van bedrijfsfeesten, sportevenementen, seminaries en feesten) en alle daarbij horende randactiviteiten, zonder dat deze lijst van beperkende aard is
- Het waarnemen van mandaten als bestuurder of vereffenaar en het ter beschikking stellen van personen gespecialiseerd in het adviseren en/of besturen van ondernemingen, dit alles in de meest ruime zin
- Het verlenen van bijstand, advies, leiding, coaching, opleiding en het verstrekken van zakelijke dienstverlening aan bedrijven, privé-personen en (overheids)instellingen, op het vlak van audiologie, logopedie, management, marketing, operationeel beheer, strategie en communicatie, dit alles in de meest ruime betekenis
- Het verwerven en aanhouden van participaties, aandelen en certificaten. In eender welke vorm, in alle bestaande of op te richten, industriële, commerciële, financiële, holding, landbouw- of immobiliënvennootschappen of ondernemingen. Het stimuleren, de planning en coördinatie van de ontwikkeling van de vennootschappen en ondernemingen, waarin ze een participatie aanhoudt
- Deelnemen aan hun beheer, bestuur, vereffening en toezicht alsmede het verlenen van technische, administratieve, operationele, strategische en financiële bijstand aan deze vennootschappen en ondernemingen
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten, zoals de aan en verkoop, de bouw, de verbouwing, de binnenhuisinrichting en decoratie, de huur en verhuur, de ruil, de verkaveling en, in het algemeen, alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken, van onroerende goederen of onroerende zakelijke rechten
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen, alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals de aan en verkoop, de huur en verhuur, de ruil; in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren, aandelen, obligaties, staatsfondsen
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Jovere
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, administratieve zetels,agentschappen,werkhuizen,stapelplaatsen,bijkantoren in België of buitenland bij enkel besluit…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Één of meer bestuurders, algemene vergadering kan vertrekvergoeding toekennen” (deed in Dutch)“Behalve deze die wet of statuten aan algemene vergadering voorbehouden, geheel van bevoegdheden bestuurders aan hem toegekend” (deed in Dutch)“Algemene kosten, los van representatie-, reis- en verplaatsingskosten, onbezoldigd bij gebreke aan beslissing” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of June at 20:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor