Summary
JUCOV is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €679k and a net result of €426. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 65% of 6157 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
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 31-12-2024 was due by 31-07-2025 and was filed on 02-06-2025, 59 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
59 d early
2023
84 d early
2022
34 d early
2021
31 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€679k▲ 0.1%
2023 · €679k
2021: €647klowest in 4 years
2022: €662k▲ +2.3% vs 2021
2023: €679k▲ +2.5% vs 2022
2024: €679k▲ +0.1% vs 2023highest in 4 years
2021 → 2024
Net result
€426▼ 97.4%
2023 · €17k
2021: €2k
2022: €15k▲ +573% vs 2021
2023: €17k▲ +9.2% vs 2022highest in 4 years
2024: €426▼ -97.4% vs 2023lowest in 4 years
2021 → 2024
Total assets
€1.00M▼ 1.8%
2023 · €1.02M
2021: €1.01M
2022: €1.01M▼ -0.6% vs 2021
2023: €1.02M▲ +1.4% vs 2022highest in 4 years
2024: €1.00M▼ -1.8% vs 2023lowest in 4 years
2021 → 2024
Solvency
67.8%▲ 1.2pp
2023 · 66.5%
2021: 63.9%lowest in 4 years
2022: 65.8%▲ +3.0% vs 2021
2023: 66.5%▲ +1.1% vs 2022
2024: 67.8%▲ +1.8% vs 2023highest in 4 years
2021 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€647k-€662k▲ 2.3%€679k▲ 2.5%€679k▲ 0.1%
2021: €647klowest in 4 years
2022: €662k▲ +2.3% vs 2021
2023: €679k▲ +2.5% vs 2022
2024: €679k▲ +0.1% vs 2023highest in 4 years
Operating result€7k-€25k▲ 252%€28k▲ 13.7%€6k▼ 78.8%
2021: €7k
2022: €25k▲ +252% vs 2021
2023: €28k▲ +13.7% vs 2022highest in 4 years
2024: €6k▼ -78.8% vs 2023lowest in 4 years
Net result€2k-€15k▲ 573%€17k▲ 9.2%€426▼ 97.4%
2021: €2k
2022: €15k▲ +573% vs 2021
2023: €17k▲ +9.2% vs 2022highest in 4 years
2024: €426▼ -97.4% vs 2023lowest in 4 years
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 2024; 2024 is 79% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.00M
Fixed assets
€985k =
Current assets
€18k ▼ 50.1%
Equity and liabilities €1.00M
Equity
€679k ▲ 0.1%
Debt
€323k ▼ 5.4%
Debt's share of the balance-sheet total falls from 33.5% to 32.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.1%▼
2023 · 2.4%
ROA
0.0%▼
2023 · 1.6%
Debt ≤ 1 year
€285k▼
2023 · €287k
Debt > 1 year
€37k▼
2023 · €52k
Income taxes
€2k▼
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.02M€1.00M▼
Fixed assets21/28€985k€985k=
Financial fixed assets28€985k€985k=
Current assets29/58€36k€18k▼
Amounts receivable within one year40/41€30k€14k▼
Trade receivables40€30k€12k▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.00M▼
Equity10/15€679k€679k▲
Contributions10/11€645k€645k=
Reserves13€34k€34k▲
Distributable reserves133€34k€34k▲
Amounts payable17/49€342k€323k▼
Amounts payable after more than one year17€52k€37k▼
Financial debts170/4€52k€37k▼
Amounts payable within one year42/48€287k€285k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€9k€0▼
Suppliers440/4€9k€0▼
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€10k€8k▼
Remuneration and social security454/9€4k€7k▲
Other amounts payable47/48€251k€254k▲
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20232024
Other operating charges640/8€960€1k▲
Gross operating margin9900€29k€7k▼
Operating profit (loss)9901€28k€6k▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€22k€2k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€17k€426▼
Profit (loss) for the period to be appropriated9905€17k€426▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€426▼
Transfer to equity691/2€17k€426▼
To other reserves6921€17k€426▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €3k | €0 | - | - | - |
| Other operating charges640/8 | - | €410 | €960 | €1k | ▲ 27.4% |
| Gross operating margin9900 | €10k | €25k | €29k | €7k | ▼ 75.3% |
| Operating profit (loss)9901 | €7k | €25k | €28k | €6k | ▼ 78.8% |
| Financial charges65/66B | €4k | €5k | €6k | €4k | ▼ 39.8% |
| Recurring financial charges65 | €4k | €5k | €6k | €4k | ▼ 39.8% |
| Profit (loss) for the period before taxes9903 | €3k | €20k | €22k | €2k | ▼ 89.3% |
| Income taxes67/77 | €752 | €5k | €6k | €2k | ▼ 65.0% |
| Profit (loss) for the period9904 | €2k | €15k | €17k | €426 | ▼ 97.4% |
| Profit (loss) for the period to be appropriated9905 | €2k | €15k | €17k | €426 | ▼ 97.4% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1.01M | €1.01M | €1.02M | €1.00M | ▼ 1.8% |
| Fixed assets21/28 | €985k | €985k | €985k | €985k | = |
| Financial fixed assets28 | €985k | €985k | €985k | €985k | = |
| Current assets29/58 | €28k | €22k | €36k | €18k | ▼ 50.1% |
| Amounts receivable within one year40/41 | €18k | €6k | €30k | €14k | ▼ 52.5% |
| Trade receivables40 | €18k | €6k | €30k | €12k | ▼ 59.3% |
| Other amounts receivable41 | - | - | - | €2k | - |
| Cash at bank and in hand54/58 | €10k | €16k | €4k | €3k | ▼ 19.0% |
| Deferred charges and accrued income490/1 | - | - | €1k | €0 | ▼ 100% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1.01M | €1.01M | €1.02M | €1.00M | ▼ 1.8% |
| Equity10/15 | €647k | €662k | €679k | €679k | ▲ 0.1% |
| Contributions10/11 | €645k | €645k | €645k | €645k | = |
| Reserves13 | €2k | €17k | €34k | €34k | ▲ 1.3% |
| Distributable reserves133 | €2k | €17k | €34k | €34k | ▲ 1.3% |
| Amounts payable17/49 | €366k | €344k | €342k | €323k | ▼ 5.4% |
| Amounts payable after more than one year17 | €76k | €62k | €52k | €37k | ▼ 27.3% |
| Financial debts170/4 | €76k | €62k | €52k | €37k | ▼ 27.3% |
| Amounts payable within one year42/48 | €289k | €280k | €287k | €285k | ▼ 0.8% |
| Current portion of amounts payable after more than one year42 | €17k | €17k | €14k | €14k | ▲ 1.6% |
| Financial debts43 | - | - | - | €1k | - |
| Credit institutions430/8 | - | - | - | €1k | - |
| Trade debts44 | €5k | €367 | €9k | €0 | ▼ 100% |
| Suppliers440/4 | €5k | €367 | €9k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €7k | €9k | €14k | €15k | ▲ 14.2% |
| Taxes450/3 | €7k | €9k | €10k | €8k | ▼ 16.0% |
| Remuneration and social security454/9 | - | - | €4k | €7k | ▲ 100% |
| Other amounts payable47/48 | €259k | €254k | €251k | €254k | ▲ 1.2% |
| Accrued charges and deferred income492/3 | €2k | €2k | €3k | €1k | ▼ 59.2% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €15k | €17k | €426 | ▼ 97.4% |
| Operating cash flow (approximation) | €2k | €15k | €17k | €426 | ▼ 97.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - |
| Change in cash | - | €6k | €-12k | €-810 | ▲ 93.0% |
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
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €426 ▼97.4%
Net result drops to €426, the lowest in the series.
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €17k ▲9.2%
Operating result €28k, net result €17k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Lummen · 1 establishment unit since 2021
Ground area
7,188 m²
Building footprint
2,099 m²
Parcel 71037A0278/00E002, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JUCOV
since 20212.316.104.632
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037A0278/00E002 | Flanders | 7,188 m² | 1 · 2,099 m² | - |
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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,343 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.