JOVERMA
ActiveJOVERMA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €263k and a net result of €83k. Equity is growing by ~48.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
63
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency34▲+12
Growth78=
Stability94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.0 in 2024), and 77.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
22.4%
Return on assets
7%
Age of the figures
8 mo
raises risk · 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 →
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 filingsDeviation from the deadline
2025
11 d early
2024
30 d late
2023
78 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€263k▲ 45.8%
2024 · €181k
2023: €89k
2024: €181k
2023 → 2025
Total assets
€1.18M▲ 5.1%
2024 · €1.12M
2023: €956k
2024: €1.12M
2023 → 2025
Net result
€83k▼ 9.3%
2024 · €91k
2023: €64k
2024: €91k
2023 → 2025
Working capital
€41k▲ 58,014%
2024 · €71
2023: €-84k
2024: €71
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€89k-€181k▲ 102%€263k▲ 45.8%
Operating result€107k-€152k▲ 41.3%€146k▼ 3.9%
Net result€64k-€91k▲ 41.5%€83k▼ 9.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€817k▼ 5.8%
Current assets
€360k▲ 42.4%
Equity and liabilities €1.18M
Equity
€263k▲ 45.8%
Debt
€914k▼ 2.7%
The debt ratio falls from 83.9% to 77.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€307k▲
2024 · €269k
Cash flow
€243k▲
2024 · €208k
Solvency
22.4%▲
2024 · 16.1%
Current ratio
1.13▲
2024 · 1.00
Quick ratio
0.70▲
2024 · 0.67
Debt / equity
3.47▼
2024 · 5.20
ROE
31.4%▼
2024 · 50.5%
ROA
7.0%▼
2024 · 8.1%
Interest coverage
7.95▲
2024 · 7.81
Debt
€914k▼
2024 · €940k
Debt ≤ 1 year
€319k▲
2024 · €253k
Debt > 1 year
€595k▼
2024 · €687k
Income taxes
€26k▼
2024 · €27k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.12M€1.18M▲
Formation expenses20€0-
Fixed assets21/28€867k€817k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€865k€816k▼
Plant, machinery and equipment23€506k€436k▼
Furniture and vehicles24€49k€48k▼
Leasing and similar rights25€297k€319k▲
Other tangible fixed assets26€13k€12k▼
Current assets29/58€253k€360k▲
Stocks and contracts in progress3€83k€138k▲
Stocks30/36€83k€138k▲
Amounts receivable within one year40/41€114k€152k▲
Trade receivables40€96k€114k▲
Other amounts receivable41€17k€38k▲
Cash at bank and in hand54/58€57k€70k▲
Deferred charges and accrued income490/1€0€315▲
Equity and liabilities
Total equity and liabilities10/49€1.12M€1.18M▲
Equity10/15€181k€263k▲
Contributions10/11€25k€25k=
Reserves13€156k€238k▲
Distributable reserves133€156k€238k▲
Amounts payable17/49€940k€914k▼
Amounts payable after more than one year17€687k€595k▼
Financial debts170/4€687k€595k▼
Amounts payable within one year42/48€253k€319k▲
Current portion of amounts payable after more than one year42€177k€260k▲
Trade debts44€7k€131▼
Suppliers440/4€7k€131▼
Taxes, remuneration and social security45€26k€2k▼
Taxes450/3€26k€2k▼
Other amounts payable47/48€43k€58k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€117k€161k▲
Other operating charges640/8€38k€25k▼
Gross operating margin9900€307k€332k▲
Operating profit (loss)9901€152k€146k▼
Financial income75/76B€365€1k▲
Recurring financial income75€365€1k▲
Financial charges65/66B€34k€39k▲
Recurring financial charges65€34k€39k▲
Profit (loss) for the period before taxes9903€118k€109k▼
Income taxes67/77€27k€26k▼
Profit (loss) for the period9904€91k€83k▼
Profit (loss) for the period to be appropriated9905€91k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€83k▼
Transfer to equity691/2€91k€83k▼
To other reserves6921€91k€83k▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €263k ▲45.8%
3 profitable years in a row build equity to €263k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Highest result since 2023net €91k ▲41.5%
Operating result €152k, net result €91k, both a record.
31-12
Financial
Equity above €150kEq €181k ▲102%
2 profitable years in a row build equity to €181k.
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Roeselare · 1 establishment unit since 2023
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.
Rennevoordestraat 158800 RoeselareGround area
1,555 m²
Building footprint
160 m²
Volume, LiDAR
746 m³
Parcel 36013B0079/00F000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOVERMA
since 20232.342.369.955
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36013B0079/00F000 | Flanders | 1,555 m² | 1 · 160 m² | 7.5 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 447 EUR awarded · 447 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 121 EUR |
| 2023 | 1 | 447 EUR | 326 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
TUBOMA
BE 0501.935.309
Oudenaarde · Eq €261k
HM POWER TRANSMISSION
BE 0768.324.627
Sint-Truiden · Eq €267k
Limburgs Agro Mechanisatiebedrijf
BE 0456.794.081
Bree · Eq €268k
DEVAKO
BE 0458.246.608
Kortemark · Eq €268k
FP Services AGRI
BE 0754.539.541
Hamois · Eq €258k
Of 803 companies in sector 46610 we hold annual accounts for 563. 455 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2023
Fiscal year end31-12
Activities, NACEBEL
46610Wholesale trade
46140Agents in the wholesale of industrial machinery, ships and aircraft
46712Wholesale trade
46713Wholesale trade
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:Jonas-verhelst@hotmail.be
Phone:0472/39.16.27