JOVITEX
ActiveJOVITEX has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €-14k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 78% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-18
Solvency92▲+7
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 1.95 in 2024; short-term debt: 32.6% and cash: 61.1% of total assets), and 32.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67.4%
Return on assets
-9.1%
Age of the figures
19 mo
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 23-06-2025, 99 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
99 d early
2024
26 d early
2023
22 d early
2022
18 d early
2021
18 d late
2020
6 d early
2019
17 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€101k▼ 11.9%
2024 · €114k
2019: €104k
2020: €97k
2021: €92k
2022: €80k
2023: €124k
2024: €114k
2019 → 2025
Total assets
€150k▼ 21.5%
2024 · €191k
2019: €223k
2020: €204k
2021: €160k
2022: €135k
2023: €189k
2024: €191k
2019 → 2025
Net result
€-14k
2024 · €10k
2019: €659
2020: €-7k
2021: €-5k
2022: €-12k
2023: €44k
2024: €10k
2019 → 2025
Working capital
€78k▲ 7.7%
2024 · €73k
2019: €33k
2020: €12k
2021: €9k
2022: €13k
2023: €62k
2024: €73k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€80k▼ 13.4%€124k▲ 55.4%€114k▼ 7.5%€101k▼ 11.9%
Operating result€-3k-€-13k▼ 393%€48k€12k▼ 74.3%€-14k
Net result€-5k-€-12k▼ 152%€44k€10k▼ 77.3%€-14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150k
Fixed assets
€23k▼ 46.1%
Current assets
€127k▼ 14.6%
Equity and liabilities €150k
Equity
€101k▼ 11.9%
Debt
€49k▼ 36.0%
The debt ratio falls from 39.9% to 32.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €33k
Cash flow
€6k▼
2024 · €31k
Solvency
67.4%▲
2024 · 60.1%
Current ratio
2.61▲
2024 · 1.95
Quick ratio
1.88▲
2024 · 1.28
Debt / equity
0.48▼
2024 · 0.66
ROE
-13.6%▼
2024 · 8.8%
ROA
-9.1%▼
2024 · 5.3%
Interest coverage
84.65▼
2024 · 596.43
Debt
€49k▼
2024 · €76k
Debt ≤ 1 year
€49k▼
2024 · €76k
Income taxes
€0▼
2024 · €2k
Staff costs
€53k▲
2024 · €44k
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€191k€150k▼
Fixed assets21/28€42k€23k▼
Tangible fixed assets22/27€42k€23k▼
Land and buildings22€39k€21k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€149k€127k▼
Stocks and contracts in progress3€52k€35k▼
Stocks30/36€52k€35k▼
Amounts receivable within one year40/41€487€161▼
Trade receivables40-€161
Other amounts receivable41€487€0▼
Cash at bank and in hand54/58€97k€91k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€191k€150k▼
Equity10/15€114k€101k▼
Contributions10/11€19k€19k=
Reserves13€95k€82k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€95k€82k▼
Profit (loss) carried forward14€400€0▼
Amounts payable17/49€76k€49k▼
Amounts payable within one year42/48€76k€49k▼
Trade debts44€50k€31k▼
Suppliers440/4€50k€31k▼
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€2k€698▼
Remuneration and social security454/9€8k€10k▲
Other amounts payable47/48€16k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€44k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€19k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€81k€63k▼
Operating profit (loss)9901€12k€-14k▼
Financial income75/76B€132€32▼
Recurring financial income75€132€32▼
Financial charges65/66B€55€67▲
Recurring financial charges65€55€67▲
Profit (loss) for the period before taxes9903€12k€-14k▼
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€10k€-14k▼
Profit (loss) for the period to be appropriated9905€10k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-13k▼
Profit (loss) brought forward from the previous period14P€400€400=
Transfer from equity791/2€19k€13k▼
Transfer to equity691/2€10k€0▼
To other reserves6921€10k€0▼
Profit to be distributed694/7€19k€0▼
Return on contributions (dividend)694€19k€0▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-02
Financial
Weakest financial yearnet €-14k ▼236%
Net result drops to €-14k, the lowest in the series.
2024
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
08-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
28-02
Financial
Back to profitnet €44k
Net result €44k after 3 loss-making years.
28-02
Financial
Equity above €100kEq €124k ▲55.4%
Equity rises from €80k to €124k.
2022
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
2015
21-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Evergem · 1 establishment unit since 1998
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.
Elslo 279940 EvergemGround area
2,779 m²
Building footprint
172 m²
Volume, LiDAR
944 m³
Parcel 44302D0652/00M000, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOVITEX
since 19982.088.858.475
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302D0652/00M000 | Flanders | 2,778 m² | 1 · 172 m² | 6.0 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.
Similar companies · same sector, comparable size
LEVEAUX-MS
BE 0817.600.231
Theux · Eq €101k
MAXIM'S KLEDING
BE 0439.770.086
Dessel · Eq €100k
FREVAN DECOR
BE 0505.969.618
Waregem · Eq €102k
J.S.A. EVENTS
BE 0835.774.566
Brussel · Eq €102k
PARAGRAPHE
BE 0446.251.468
Enghien · Eq €102k
Of 1,272 companies in sector 47512 we hold annual accounts for 581. 495 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-1998
Fiscal year end28-02
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:092535718