Jovycon
ActiveJovycon has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency12▼-88
Growth32▼-46
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 1.0 against 6.37 in 2024), and 99.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
0.9%
Return on assets
11%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12632 sector peers (2025).
NBB · sector comparisonPosition among 12632 sector peers
Solvency
better than 5%
← weakest
strongest →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
18 d early
2024
44 d early
2023
33 d early
2022
35 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 99.3%
2024 · €272k
2022: €83k
2023: €175k
2024: €272k
2022 → 2025
Total assets
€228k▼ 29.4%
2024 · €323k
2022: €127k
2023: €223k
2024: €323k
2022 → 2025
Net result
€25k▼ 74.3%
2024 · €97k
2022: €81k
2023: €92k
2024: €97k
2022 → 2025
Working capital
€-8
2024 · €270k
2022: €83k
2023: €175k
2024: €270k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€83k-€175k▲ 110%€272k▲ 55.5%€2k▼ 99.3%
Operating result€104k-€117k▲ 13.1%€124k▲ 5.9%€33k▼ 73.7%
Net result€81k-€92k▲ 13.0%€97k▲ 5.7%€25k▼ 74.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€2k▼ 12.5%
Current assets
€226k▼ 29.5%
Equity and liabilities €228k
Equity
€2k▼ 99.3%
Debt
€226k▲ 349%
The debt ratio rises from 15.6% to 99.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€33k▼
2024 · €124k
Cash flow
€25k▼
2024 · €97k
Solvency
0.9%▼
2024 · 84.4%
Current ratio
1.00▼
2024 · 6.37
Quick ratio
1.00▼
2024 · 6.37
ROA
11.0%▼
2024 · 30.1%
Interest coverage
63.46▼
2024 · 164.93
Debt
€226k▲
2024 · €50k
Debt ≤ 1 year
€226k▲
2024 · €50k
Income taxes
€7k▼
2024 · €26k
A ratio outside any meaningful range has been withheld (balance sheet total €228k, equity €2k).
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€323k€228k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€1k€1k=
Current assets29/58€320k€226k▼
Amounts receivable within one year40/41€87€13k▲
Trade receivables40€87€13k▲
Other amounts receivable41-€696
Cash at bank and in hand54/58€319k€211k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€323k€228k▼
Equity10/15€272k€2k▼
Contributions10/11€2k€2k=
Reserves13€270k€0▼
Distributable reserves133€270k€0▼
Profit (loss) carried forward14-€0
Amounts payable17/49€50k€226k▲
Amounts payable within one year42/48€50k€226k▲
Taxes, remuneration and social security45€50k€24k▼
Taxes450/3€48k€22k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€63€201k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€142€287▲
Other operating charges640/8€451€465▲
Gross operating margin9900€125k€33k▼
Operating profit (loss)9901€124k€33k▼
Financial income75/76B€208€200▼
Recurring financial income75€208€200▼
Financial charges65/66B€754€519▼
Recurring financial charges65€754€519▼
Profit (loss) for the period before taxes9903€124k€32k▼
Income taxes67/77€26k€7k▼
Profit (loss) for the period9904€97k€25k▼
Profit (loss) for the period to be appropriated9905€97k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€25k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2-€270k
Transfer to equity691/2€97k€0▼
To other reserves6921€97k€0▼
Profit to be distributed694/7-€295k
Return on contributions (dividend)694-€295k
The notes to these accounts (4 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €25k ▼74.3%
Net result drops to €25k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €97k ▲5.7%
Operating result €124k, net result €97k, both a record.
31-12
Financial
Equity above €200kEq €272k ▲55.5%
3 profitable years in a row build equity to €272k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €175k ▲110%
2 profitable years in a row build equity to €175k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Merchtem · 1 establishment unit since 2022
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.
Brusselsesteenweg 601785 MerchtemGround area
1,193 m²
Building footprint
201 m²
Parcel 23602H0664/00D013, Flanders. Linked by address, not a title deed.
1 establishment unit
Jovycon
since 20222.326.958.932
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0664/00D013 | Flanders | 1,193 m² | 1 · 201 m² | - |
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
GBDM SERVICES
BE 0772.952.022
Elsene · Eq €2k
LAMIKA
BE 0777.408.577
Bertem · Eq €2k
MLONOT
BE 0777.827.063
Gent · Eq €2k
Terraforming
BE 0782.321.529
Sint-Joost-ten-Node · Eq €2k
ANTOINE DEBOUCHE MANAGEMENT
BE 0790.123.495
Le Roeulx · Eq €2k
Of 2,752 companies in sector 69109 we hold annual accounts for 1,205. 232 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2022
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.