JOVO COM
ActiveJOVO COM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €277k and a net result of €15k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
83
/ 100
Excellent▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability26▼-72
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 4.02 against 4.17 in 2023), and 24.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-05-2025, 69 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
69 d early
2023
1 d early
2022
11 d early
2021
4 d late
2020
24 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€277k▼ 3.0%
2023 · €285k
2018: €206k
2019: €202k
2020: €189k
2021: €248k
2022: €272k
2023: €285k
2018 → 2024
Total assets
€368k▼ 1.6%
2023 · €374k
2018: €232k
2019: €269k
2020: €266k
2021: €333k
2022: €346k
2023: €374k
2018 → 2024
Net result
€15k▼ 73.9%
2023 · €56k
2018: €55k
2019: €60k
2020: €54k
2021: €119k
2022: €57k
2023: €56k
2018 → 2024
Working capital
€274k▼ 2.1%
2023 · €280k
2018: €204k
2019: €201k
2020: €185k
2021: €246k
2022: €264k
2023: €280k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€189k-€248k▲ 31.4%€272k▲ 9.6%€285k▲ 4.9%€277k▼ 3.0%
Operating result€73k-€166k▲ 127%€84k▼ 49.5%€63k▼ 25.0%€8k▼ 87.4%
Net result€54k-€119k▲ 119%€57k▼ 51.8%€56k▼ 2.8%€15k▼ 73.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 87% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €368k
Fixed assets
€3k▼ 43.1%
Current assets
€365k▼ 0.9%
Equity and liabilities €368k
Equity
€277k▼ 3.0%
Debt
€91k▲ 3.0%
The debt ratio rises from 23.7% to 24.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€11k▼
2023 · €66k
Cash flow
€18k▼
2023 · €59k
Solvency
75.2%▼
2023 · 76.3%
Current ratio
4.02▼
2023 · 4.17
Quick ratio
4.02▼
2023 · 4.17
Debt / equity
0.33▲
2023 · 0.31
ROE
5.3%▼
2023 · 19.6%
ROA
4.0%▼
2023 · 14.9%
Interest coverage
29.22▲
2023 · -10.71
Debt
€91k▲
2023 · €89k
Debt ≤ 1 year
€91k▲
2023 · €88k
Income taxes
€8k▼
2023 · €21k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€374k€368k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€369k€365k▼
Amounts receivable after more than one year29€70k€75k▲
Other amounts receivable291€70k€75k▲
Amounts receivable within one year40/41€21k€25k▲
Trade receivables40€20k€21k▲
Other amounts receivable41€1k€3k▲
Current investments50/53€205k€207k▲
Cash at bank and in hand54/58€65k€52k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€374k€368k▼
Equity10/15€285k€277k▼
Contributions10/11€12k€12k=
Reserves13€273k€264k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€273k€264k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€89k€91k▲
Amounts payable within one year42/48€88k€91k▲
Trade debts44€2k€115▼
Suppliers440/4€2k€115▼
Taxes, remuneration and social security45€42k€28k▼
Taxes450/3€11k€12k▲
Remuneration and social security454/9€32k€16k▼
Other amounts payable47/48€44k€63k▲
Accrued charges and deferred income492/3€280€459▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€1k€1k▼
Gross operating margin9900€68k€12k▼
Operating profit (loss)9901€63k€8k▼
Financial income75/76B€8k€15k▲
Recurring financial income75€8k€15k▲
Financial charges65/66B€-6k€373▲
Recurring financial charges65€-6k€373▲
Profit (loss) for the period before taxes9903€77k€22k▼
Income taxes67/77€21k€8k▼
Profit (loss) for the period9904€56k€15k▼
Profit (loss) for the period to be appropriated9905€56k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€15k▼
Transfer from equity791/2€42k€23k▼
Transfer to equity691/2€56k€15k▼
To other reserves6921€56k€15k▼
Profit to be distributed694/7€42k€23k▼
Return on contributions (dividend)694€42k€23k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €15k ▼73.9%
Net result drops to €15k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Highest result since 2018net €119k ▲119%
Operating result €166k, net result €119k, both a record.
31-12
Financial
Equity above €200kEq €248k ▲31.4%
4 profitable years in a row build equity to €248k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lubbeek · 1 establishment unit since 2012
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.
Schuttersstraat(PEL) 133212 LubbeekGround area
1,779 m²
Building footprint
283 m²
Volume, LiDAR
1,955 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Jovo Com
since 20122.208.990.205
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23080B0096/00R003 | Flanders | 1,124 m² | 1 · 144 m² | 8.3 m · 2 fl. |
| 24090D0044/00P000 | Flanders | 655 m² | 1 · 138 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,430 EUR awarded · 1,844 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,980 EUR | 1,394 EUR |
| 2024 | 1 | 450 EUR | 450 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500TZ7009DTD0MP38
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ZENITH CONSULTING SRL
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 38,399 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.