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JOVERMA

Active
Private limited companyfounded 2023active for 3 yearsRennevoordestraat 15, 8800 Roeselare, BelgiumKBO/BCE: BE 0798.485.390
Summary

JOVERMA has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €263,179 and a net result of €82,630. Equity has been growing by about 48% per year since 2023. Its solvency ranks better than 29% of 9,845 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Official details

Source: KBO
Status
Active since 15-02-2023 Normal situation
Activity
Wholesale trade NACE 46610and 4 others
Establishment unit
2.342.369.955 8800 Roeselare, since 15-02-2023
Financial year end
31 December
Peppol
Reachable since 22-12-2025

Financial position

71 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Annual accounts 2025
Gross margin
€331,934
▲ 8.2%
Turnover
≈ €1.7m
estimated
Profit
€82,630
▼ 9.3%
Equity
€263,179
▲ 45.8%
Total assets
€1.2m
▲ 5.1%
Score breakdownraises risk1 of the last 3 accounts lateFounded in 2023lowers riskSize: total assets €1.2mFigures for financial year 2025 (filed on 20-07-2026)Show the evidence

Checked score

Score 2025
71 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 58% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Average
Solvency 47+6
equity 22.4% of total assets
Liquidity 47-1
short-term debt 27.1% · cash 6.0%
Profitability 78-1
return on assets 7.0%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 1.4% 01-2025: 1.4%● unchanged vs 12-2024 02-2025: 1.4%● unchanged vs 01-2025 03-2025: 1.5%▲ +0.1 percentage points vs 02-2025 04-2025: 1.5%● unchanged vs 03-2025 05-2025: 1.6%▲ +0.1 percentage points vs 04-2025 06-2025: 1.8%▲ +0.2 percentage points vs 05-2025 07-2025: 1.9%▲ +0.1 percentage points vs 06-2025 08-2025: 2.4%▲ +0.5 percentage points vs 07-2025highest value 09-2025: 0.7%▼ -1.7 percentage points vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.8%▲ +0.1 percentage points vs 04-2026 06-2026: 0.9%▲ +0.1 percentage points vs 05-2026 07-2026: 1.0%▲ +0.1 percentage points vs 06-2026 08-2026: 0.7%▼ -0.3 percentage points vs 07-2026 09-2026: 0.7%● unchanged vs 08-2026 10-2026: 0.6%▼ -0.1 percentage points vs 09-2026lowest value 11-2026: 0.6%● unchanged vs 10-2026lowest value
Credit of up to €18,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.13 (1.0 in 2024), below the usual 1.5. Short-term debt is 27.1% and cash 6% of total assets. 77.6% of the assets are financed with debt and provisions.
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 46, micro). It does better than 33% of them on solvency, 46% on liquidity, 68% on profitability and 87% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €1.2m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 1 of the last 3 accounts late
NBB · filings
raises risk · Founded in 2023
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 20-07-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
11 days early
2024
30 days late
2023
78 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 32 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (3 of the last 3 accounts filed within 49 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2023.
KBO publications

Key points

  • Positive: Equity rose in 2025from €180,549 to €263,179 ▲ 45.8% View

Recent changes

  1. · Gazette deed IncorporationStarting capital €25,000 · Appointments: VERHELST Jonas Miguel (director) and DE VLEESCHOUWER Melissa (director)
All 7 events

Comparable companies

These companies have the same main activity as JOVERMA: wholesale trade (NACE 46610). They are comparable in size and age: total assets between €721,000 and €1.6m, founded between 2021 and 2024.

CompanyTotal assetsGross margin
JOVERMA Roeselare€1.2m€0.3m
VAMACO.BE Poperinge€1.1m€0.4m
MAES MACHINES Houthulst€1.3m€0.2m
VERTITEC Enghien€1.2m€0.3m
Deltarub Anzegem€1.5m€0.6m
VERDE TECHNICS Poperinge€0.7m€0.3m
AGRITECHNICS Ieper€1.6m€0.3m
Full comparison

Key facts about JOVERMA

What is the company number of JOVERMA?
The company number of JOVERMA is 0798.485.390. The VAT number is the same number with BE in front: BE 0798.485.390.
Where is JOVERMA based?
The registered office is at Rennevoordestraat 15, 8800 Roeselare.Company details
What does JOVERMA do?
According to the KBO register, the main activity is wholesale trade (NACE 46610).
What is the legal form of JOVERMA?
The legal form of JOVERMA is Private limited company (BV).
When was JOVERMA founded?
JOVERMA was founded on 15-02-2023.
Is JOVERMA still active?
Yes, JOVERMA is an active enterprise in the KBO register.
What is the turnover of JOVERMA?
The turnover in financial year 2025 is ≈ €1.7m. This figure is estimated from the gross margin of €331,934 and 138 comparable companies (NACE 46). It probably lies between €1.1m and €2.9m.Financials
Is JOVERMA profitable?
In financial year 2025, JOVERMA made a profit of €82,630.
Where can I find the annual accounts of JOVERMA?
JOVERMA filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of JOVERMA due?
JOVERMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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