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JOWARD

Active
Private limited companyfounded 201016 yrs activeGentiaandreef 15, 3140 Keerbergen, BelgiumKBO/BCE: BE 0828.988.130
Summary

JOWARD has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.8m and a net result of -€15,195. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 39% of 9986 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
JOWARDActiveChecked score 93/100
Risk analysis ReportCompare

Overview

Activity
Buying and selling of own real estate
NACE 68110NACE 68100
#6 company by total assets in Keerbergen, Real estate sector1 site
Size
€8.9mtotal assets 2025
Equity
€1.8m
Loss
-€15,195
Turnover not published (abridged schema)
Financial health
93 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Holdings
2
Accounts on time0 of 4 deeds read
Why 93- Liquidity: current ratio 23.47, cash €566,580- Loss of €15,195, the second in a row (FY 2025)+ Size: total assets €8.9m+ Figures for FY 2025 (filed 01-05-2026)Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Better than 46% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 45-1
equity 20.2% of total assets
Liquidity 58+4
short-term debt 0.5% · cash 6.3%
Profitability 28+3
return on assets -0.2%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,922 companies)
Last 18 months 05-2025: 0.3%highest value 06-2025: < 0.1%▼ -84.2% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%▲ +6.0% vs 11-2025 01-2026: 0.1%▲ +15.1% vs 12-2025 02-2026: 0.1%▲ +9.8% vs 01-2026 03-2026: 0.1%▲ +22.4% vs 02-2026 04-2026: 0.1%▲ +73.2% vs 03-2026 05-2026: 0.2%▲ +76.1% vs 04-2026 06-2026: < 0.1%▼ -81.6% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €8.9m lowers the probability for this profile
  • Figures for FY 2025 (filed 01-05-2026) lowers the probability
  • Liquidity: current ratio 23.47, cash €566,580 raises the probability
  • Loss of €15,195, the second in a row (FY 2025) raises the probability
Credit up to €160,000 at 30 days acceptable
Liquidity ample (current ratio 23.47 against 2.96 in 2024; short-term debt: 0.5% and cash: 6.3% of total assets), but 79.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, small). Better than this share of them on solvency 40%, liquidity 84%, profitability 20%, growth against the median 39%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €8.9m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 01-05-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 23.47, cash €566,580
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €15,195, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€15,195
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
6 d early
2021
3 d early
2020
5 d early
2019
on the day
← 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 2 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close02-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Liquidity times 8current ratio 23.47
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: Result rose in 2025from -€110,819 to -€15,195 ▲ 86.3% View
  • Positive: Company by total assets in Keerbergen, Real estate…in the Checked rankings #6 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€15,195 View

By topic

Financials

Fiscal year
2025
Total assets
€8.9m
Loss
-€15,195
Solvency
20.2%
Total assets▲ 1.7%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 30-04-2027
  1. 30-04-2026Annual accounts filed
  2. 30-09-2025Liquidity times 8
  3. 30-04-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Buying and selling of own real estateNACE 68110
Founded
03-09-2010
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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