JOVILUX
ActiveJOVILUX has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €246k and a net result of €17k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 32% of 7971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+38
Solvency51▼-10
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.8 in 2024; short-term debt: 39.2% and cash: 11.6% of total assets), and 73.6% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 →
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
26.4%
Return on assets
1.8%
Age of the figures
9 mo
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 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
9 d early
2023
65 d late
2022
55 d early
2021
51 d early
2020
88 d late
2019
112 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€246k▼ 38.9%
2024 · €402k
2018: €410k
2019: €460k
2020: €425k
2021: €531k
2022: €598k
2023: €475k
2024: €402k
2018 → 2025
Total assets
€929k▼ 15.9%
2024 · €1.11M
2018: €1.09M
2019: €1.29M
2020: €1.19M
2021: €1.27M
2022: €1.07M
2023: €1.30M
2024: €1.11M
2018 → 2025
Net result
€17k
2024 · €-73k
2018: €44k
2019: €79k
2020: €100k
2021: €150k
2022: €67k
2023: €-76k
2024: €-73k
2018 → 2025
Working capital
€161k▼ 43.0%
2024 · €283k
2018: €293k
2019: €331k
2020: €468k
2021: €585k
2022: €612k
2023: €368k
2024: €283k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€531k-€598k▲ 12.5%€475k▼ 20.6%€402k▼ 15.3%€246k▼ 38.9%
Operating result€222k-€112k▼ 49.8%€-53k€-40k▲ 24.2%€36k
Net result€150k-€67k▼ 55.5%€-76k€-73k▲ 4.5%€17k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €36k after a loss of €40k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €929k
Fixed assets
€404k▼ 14.0%
Current assets
€525k▼ 17.3%
Equity and liabilities €929k
Equity
€246k▼ 38.9%
Debt
€684k▼ 2.7%
The debt ratio rises from 63.6% to 73.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€112k▲
2024 · €44k
Cash flow
€93k▲
2024 · €11k
Solvency
26.4%▼
2024 · 36.4%
Current ratio
1.44▼
2024 · 1.80
Quick ratio
0.59▼
2024 · 0.67
Debt / equity
2.78▲
2024 · 1.75
ROE
6.9%▲
2024 · -18.1%
ROA
1.8%▲
2024 · -6.6%
Interest coverage
4.55▲
2024 · 1.24
Debt
€684k▼
2024 · €703k
Debt ≤ 1 year
€364k▲
2024 · €352k
Debt > 1 year
€320k▼
2024 · €351k
Income taxes
€728▼
2024 · €1k
Staff costs
€251k▼
2024 · €324k
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€1.11M€929k▼
Fixed assets21/28€470k€404k▼
Intangible fixed assets21€64k€19k▼
Tangible fixed assets22/27€406k€385k▼
Land and buildings22€360k€358k▼
Plant, machinery and equipment23€13k€9k▼
Furniture and vehicles24€33k€18k▼
Current assets29/58€635k€525k▼
Stocks and contracts in progress3€398k€310k▼
Stocks30/36€398k€310k▼
Amounts receivable within one year40/41€106k€105k▼
Trade receivables40€74k€72k▼
Other amounts receivable41€32k€33k▲
Cash at bank and in hand54/58€128k€108k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.11M€929k▼
Equity10/15€402k€246k▼
Contributions10/11€19k€19k=
Reserves13€433k€259k▼
Tax-exempt reserves132€49k€49k=
Distributable reserves133€384k€210k▼
Profit (loss) carried forward14€-49k€-32k▲
Amounts payable17/49€703k€684k▼
Amounts payable after more than one year17€351k€320k▼
Financial debts170/4€351k€320k▼
Amounts payable within one year42/48€352k€364k▲
Current portion of amounts payable after more than one year42€105k€48k▼
Financial debts43€100k€50k▼
Credit institutions430/8€100k€50k▼
Trade debts44€470€39k▲
Suppliers440/4€470€39k▲
Taxes, remuneration and social security45€79k€54k▼
Taxes450/3€25k€6k▼
Remuneration and social security454/9€54k€48k▼
Other amounts payable47/48€67k€173k▲
Income statement
Code20242025
Remuneration, social security and pensions62€324k€251k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€76k▼
Other operating charges640/8€8k€7k▼
Non-recurring operating charges66A-€8k
Gross operating margin9900€376k€378k▲
Operating profit (loss)9901€-40k€36k▲
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€35k€25k▼
Recurring financial charges65€35k€25k▼
Profit (loss) for the period before taxes9903€-72k€18k▲
Income taxes67/77€1k€728▼
Profit (loss) for the period9904€-73k€17k▲
Profit (loss) for the period to be appropriated9905€-73k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-73k€-32k▲
Profit (loss) brought forward from the previous period14P-€-49k
Transfer from equity791/2€23k€173k▲
Profit to be distributed694/7€0€173k▲
Return on contributions (dividend)694€0€173k▲
Social balance
Average headcount (FTE)90875.85.3▼
The notes to these accounts (33 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
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 65 days late
2023
31-12
Financial
Weakest financial yearnet €-76k ▼214%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €150k ▲50%
Operating result €222k, net result €150k, both a record.
31-12
Financial
Equity above €500kEq €531k ▲25%
4 profitable years in a row build equity to €531k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 88 days late
2020
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 112 days late
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 143 days late
2017
17-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 109 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oudenaarde · 1 establishment unit since 1986
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.
Leupegemstraat 329700 OudenaardeGround area
268 m²
Building footprint
268 m²
Volume, LiDAR
2,018 m³
Parcel 45507A0175/00K000, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Leupegemstraat 32, 9700 Oudenaarde
since 19862.036.594.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45507A0175/00K000 | Flanders | 268 m² | 1 · 268 m² | 10.6 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOudenaarde2.036.594.974
Similar companies · same sector, comparable size
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BE 0436.987.275
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ANTWERP COSMETICS DISTRIBUTION COMPANY
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PIRLA
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Of 798 companies in sector 46450 we hold annual accounts for 452. 327 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-1986
Fiscal year end31-12
Activities, NACEBEL
46450Wholesale of perfume and cosmetics
46180Agents specialised in the wholesale of other particular products
46460Wholesale of pharmaceutical and medical goods
47750Retail sale of cosmetics and toilet articles
51180
93022
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.