Summary
JOVIMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.7m and a net result of €417,023. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 26% of 5593 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
on the day
2023
on the day
2022
7 d early
2021
10 d late
2020
2 d early
2019
56 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.7m▲ 33.7%
2024 · €1.2m
Net result
€417,023▼ 26.3%
2024 · €566,088
Total assets
€6.6m▲ 13.4%
2024 · €5.8m
Solvency
25.1%▲ 3.8pp
2024 · 21.3%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€199,812▲ 11.5%€194,109▼ 2.9%-€430,091€210,240€36,154▼ 82.8%
Net result€86,028within the sector's middle half▼ 85.2%€516,274above the sector's middle half▲ 500%-€474,053below the sector's middle half€566,088above the sector's middle half€417,023above the sector's middle half▼ 26.3%
Equity€1.2mwithin the sector's middle half▲ 7.5%€1.8mwithin the sector's middle half▲ 41.8%€1.2mwithin the sector's middle half▼ 33.2%€1.2mwithin the sector's middle half▲ 5.6%€1.7mwithin the sector's middle half▲ 33.7%
Total assets€5.2mabove the sector's middle half▲ 6.7%€5.1mabove the sector's middle half▼ 2.4%€6.0mabove the sector's middle half▲ 17.2%€5.8mabove the sector's middle half▼ 3.0%€6.6mabove the sector's middle half▲ 13.4%
Debt€4.0m▲ 6.5%€3.3m▼ 16.1%€4.8m▲ 43.5%€4.6m▼ 5.1%€4.9m▲ 7.9%
Working capital-€756,352below the sector's middle half▼ 24.4%-€940,987below the sector's middle half▼ 24.4%-€1.4mbelow the sector's middle half▼ 47.3%-€1.5mbelow the sector's middle half▼ 6.8%-€1.2mbelow the sector's middle half▲ 17.4%
Solvency23.7%below the sector's middle half▲ 0.2pp34.3%within the sector's middle half▲ 10.7pp19.6%below the sector's middle half▼ 14.8pp21.3%below the sector's middle half▲ 1.7pp25.1%within the sector's middle half▲ 3.8pp
Current ratio0.23below the sector's middle half▲ 0.050.11below the sector's middle half▼ 0.110.23below the sector's middle half▲ 0.120.20below the sector's middle half▼ 0.030.51within the sector's middle half▲ 0.31
Return on assets (ROA)1.6%within the sector's middle half▼ 10.3pp10.1%within the sector's middle half▲ 8.5pp-7.9%below the sector's middle half▼ 18.1pp9.8%within the sector's middle half▲ 17.7pp6.3%within the sector's middle half▼ 3.4pp
Staff (FTE)2within the sector's middle half=2within the sector's middle half=2above the sector's middle half=3.9above the sector's middle half▲ 95.0%5above the sector's middle half▲ 28.2%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.6m
Fixed assets
€5.3m ▼ 2.6%
Current assets
€1.3m ▲ 246%
Equity and liabilities €6.6m
Equity
€1.7m ▲ 33.7%
Debt
€4.9m ▲ 7.9%
Debt's share of the balance-sheet total falls from 78.7% to 74.9%. Equity and debt are higher.
Key figures and ratios
ROE
25.2%▼
2024 · 45.8%
Debt ≤ 1 year
€2.5m▲
2024 · €1.9m
Debt > 1 year
€2.4m▼
2024 · €2.7m
Income taxes
€1,136▲
2024 · €1,109
Staff costs
€327,659▲
2024 · €236,232
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €25,882 | €0 | €817 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | €79,097 | €99,484 | €236,232 | €327,659 | ▲ 38.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €95,909 | €106,818 | €101,915 | €161,318 | €154,716 | ▼ 4.1% |
| Other operating charges640/8 | - | €17,765 | €35,363 | €25,063 | €76,385 | ▲ 205% |
| Non-recurring operating charges66A | - | - | €575,501 | €0 | - | - |
| Gross operating margin9900 | €388,054 | €397,789 | €382,172 | €632,853 | €594,914 | ▼ 6.0% |
| Operating profit (loss)9901 | €199,812 | €194,109 | -€430,091 | €210,240 | €36,154 | ▼ 82.8% |
| Financial income75/76B | - | €400,000 | €18 | €400,002 | €424,699 | ▲ 6.2% |
| Recurring financial income75 | €4 | €400,000 | €18 | €400,002 | €424,699 | ▲ 6.2% |
| Financial charges65/66B | - | €33,071 | €43,239 | €43,045 | €42,693 | ▼ 0.8% |
| Recurring financial charges65 | €68,203 | €33,071 | €43,239 | €43,045 | €42,693 | ▼ 0.8% |
| Profit (loss) for the period before taxes9903 | €131,612 | €561,038 | -€473,312 | €567,197 | €418,159 | ▼ 26.3% |
| Income taxes67/77 | €45,584 | €44,764 | €741 | €1,109 | €1,136 | ▲ 2.5% |
| Profit (loss) for the period9904 | €86,028 | €516,274 | -€474,053 | €566,088 | €417,023 | ▼ 26.3% |
| Profit (loss) for the period to be appropriated9905 | €86,028 | €516,274 | -€474,053 | €566,088 | €417,023 | ▼ 26.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.2m | €5.1m | €6.0m | €5.8m | €6.6m | ▲ 13.4% |
| Fixed assets21/28 | €5.0m | €5.0m | €5.6m | €5.4m | €5.3m | ▼ 2.6% |
| Tangible fixed assets22/27 | €3.1m | €3.1m | €3.6m | €3.5m | €3.4m | ▼ 4.0% |
| Land and buildings22 | - | €3.0m | €3.6m | €3.5m | €3.3m | ▼ 4.1% |
| Plant, machinery and equipment23 | - | €10,603 | €11,463 | €8,726 | €5,989 | ▼ 31.4% |
| Furniture and vehicles24 | - | €34,171 | €23,572 | €14,067 | €11,155 | ▼ 20.7% |
| Other tangible fixed assets26 | - | €16,176 | €16,176 | €16,176 | €22,176 | ▲ 37.1% |
| Assets under construction and advance payments27 | - | €17,299 | €0 | - | - | - |
| Financial fixed assets28 | €1.9m | €1.9m | €1.9m | €1.9m | €1.9m | = |
| Current assets29/58 | €219,855 | €118,395 | €412,084 | €373,931 | €1.3m | ▲ 246% |
| Amounts receivable within one year40/41 | €55,742 | €53,314 | €183,751 | €71,005 | €34,959 | ▼ 50.8% |
| Trade receivables40 | - | €44,303 | €99,750 | €68,031 | €31,015 | ▼ 54.4% |
| Other amounts receivable41 | - | €9,011 | €84,001 | €2,974 | €3,944 | ▲ 32.6% |
| Current investments50/53 | - | - | - | - | €250,000 | - |
| Cash at bank and in hand54/58 | €149,260 | €52,230 | €216,544 | €292,477 | €985,026 | ▲ 237% |
| Deferred charges and accrued income490/1 | - | €12,852 | €11,789 | €10,450 | €24,349 | ▲ 133% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.2m | €5.1m | €6.0m | €5.8m | €6.6m | ▲ 13.4% |
| Equity10/15 | €1.2m | €1.8m | €1.2m | €1.2m | €1.7m | ▲ 33.7% |
| Contributions10/11 | - | €500,000 | €500,000 | €275,293 | €275,293 | = |
| Reserves13 | €736,101 | €1.3m | €671,179 | €960,883 | €1.4m | ▲ 43.5% |
| Non-distributable reserves130/1 | - | €0 | - | - | - | - |
| Reserves not available under the articles1311 | - | €0 | - | - | - | - |
| Tax-exempt reserves132 | - | €309 | €309 | €309 | €309 | = |
| Distributable reserves133 | - | €1.3m | €670,870 | €960,573 | €1.4m | ▲ 43.5% |
| Profit (loss) carried forward14 | - | - | €0 | €1,092 | €0 | ▼ 100% |
| Amounts payable17/49 | €4.0m | €3.3m | €4.8m | €4.6m | €4.9m | ▲ 7.9% |
| Amounts payable after more than one year17 | €3.0m | €2.3m | €3.0m | €2.7m | €2.4m | ▼ 11.1% |
| Financial debts170/4 | - | €2.3m | €3.0m | €2.7m | €2.4m | ▼ 11.1% |
| Amounts payable within one year42/48 | €976,207 | €1.1m | €1.8m | €1.9m | €2.5m | ▲ 35.7% |
| Current portion of amounts payable after more than one year42 | - | €240,168 | €295,067 | €298,344 | €301,665 | ▲ 1.1% |
| Financial debts43 | - | €0 | - | €3,111 | €275 | ▼ 91.2% |
| Credit institutions430/8 | - | €0 | - | €3,111 | €275 | ▼ 91.2% |
| Trade debts44 | €26,080 | €14,821 | €36,882 | €19,245 | €32,749 | ▲ 70.2% |
| Suppliers440/4 | - | €14,821 | €36,882 | €19,245 | €32,749 | ▲ 70.2% |
| Taxes, remuneration and social security45 | - | €8,550 | €5,133 | €53,239 | €35,139 | ▼ 34.0% |
| Taxes450/3 | - | €1,653 | €2,381 | €9,305 | €2,405 | ▼ 74.1% |
| Remuneration and social security454/9 | - | €6,897 | €2,752 | €43,934 | €32,734 | ▼ 25.5% |
| Other amounts payable47/48 | - | €795,843 | €1.5m | €1.5m | €2.1m | ▲ 45.0% |
| Accrued charges and deferred income492/3 | - | €3,377 | €3,377 | €772 | €1,524 | ▲ 97.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €86,028 | €516,274 | -€474,053 | €566,088 | €417,023 | ▼ 26.3% |
| + Depreciation and write-downs630 | €95,909 | €106,818 | €101,915 | €161,318 | €154,716 | ▼ 4.1% |
| Operating cash flow (approximation) | €181,937 | €623,091 | -€372,138 | €727,406 | €571,739 | ▼ 21.4% |
| Investment in fixed assets (approximation) | - | -€83,784 | -€683,620 | -€20,959 | -€13,437 | ▲ 35.9% |
| Change in cash | - | -€97,030 | €164,314 | €75,932 | €692,549 | ▲ 812% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Back to profitnet €566,088
Net result €566,088 after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet -€474,053
Net result drops to -€474,053, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 10 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Highest result since 2019net €583,217 ▲844%
Net result €583,217, the highest in the series.
30-06
Financial
Equity above €1mEq €1.2m ▲103%
2 profitable years in a row build equity to €1.2m.
2019
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
03-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lochristi · 1 establishment unit since 2016
Ground area
3,275 m²
Building footprint
2,028 m²
Volume, LiDAR
6,516 m³
Parcel 44008C0066/00L000, Flanders · tallest building 20.5 m, ±1 floor. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
JOVIMA
since 20162.261.045.650
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44008C0066/00L000 | Flanders | 3,275 m² | 1 · 2,028 m² | 20.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
4 holdingsOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 4
-
100%
-
100%
-
99.8%
-
99.8%
According to the annual accounts to 30-06-2025 of JOVIMA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Company details
Identification
Legal formPrivate limited company
Founded20-12-2016
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0667868952
Also
9925:BE0667868952
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.