Jupamiva
ActiveJupamiva has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €7k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 52% of 13159 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+5
Solvency58▼-12
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.38 against 0.63 in 2024; short-term debt: 66.9% and cash: 9.9% of total assets), and 66.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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
33.1%
Return on assets
8.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €28k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
57 d late
2022
57 d late
2021
9 d late
2020
2 d early
2019
4 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 34.2%
2024 · €21k
2018: €25k
2019: €22k
2020: €21k
2021: €60k
2022: €58k
2023: €19k
2024: €21k
2018 → 2025
Total assets
€83k▲ 82.2%
2024 · €46k
2018: €126k
2019: €115k
2020: €112k
2021: €120k
2022: €108k
2023: €57k
2024: €46k
2018 → 2025
Net result
€7k▲ 295%
2024 · €2k
2018: €633
2019: €-2k
2020: €-2k
2021: €44k
2022: €-2k
2023: €-39k
2024: €2k
2018 → 2025
Working capital
€-34k▼ 269%
2024 · €-9k
2018: €-5k
2019: €-11k
2020: €-20k
2021: €7k
2022: €19k
2023: €-15k
2024: €-9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€58k▼ 2.8%€19k▼ 67.5%€21k▲ 9.5%€28k▲ 34.2%
Operating result€42k-€-1k€-35k▼ 3,143%€15k€17k▲ 12.4%
Net result€44k-€-2k€-39k▼ 2,272%€2k€7k▲ 295%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€62k▲ 107%
Current assets
€21k▲ 34.7%
Equity and liabilities €83k
Equity
€28k▲ 34.2%
Debt
€56k▲ 122%
The debt ratio rises from 55.0% to 66.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▲
2024 · €19k
Cash flow
€13k▲
2024 · €6k
Solvency
33.1%▼
2024 · 45.0%
Current ratio
0.38▼
2024 · 0.63
Quick ratio
0.29▼
2024 · 0.46
Debt / equity
2.02▲
2024 · 1.22
ROE
25.5%▲
2024 · 8.7%
ROA
8.4%▲
2024 · 3.9%
Interest coverage
10.98▲
2024 · 9.09
Debt
€56k▲
2024 · €25k
Debt ≤ 1 year
€56k▲
2024 · €25k
Income taxes
€8k▼
2024 · €12k
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€46k€83k▲
Fixed assets21/28€30k€62k▲
Intangible fixed assets21€27k€24k▼
Tangible fixed assets22/27€3k€38k▲
Land and buildings22€1k€933▼
Furniture and vehicles24€2k€38k▲
Current assets29/58€16k€21k▲
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€8k€8k▲
Trade receivables40€938€8k▲
Other amounts receivable41€7k€0▼
Cash at bank and in hand54/58€3k€8k▲
Deferred charges and accrued income490/1€466€0▼
Equity and liabilities
Total equity and liabilities10/49€46k€83k▲
Equity10/15€21k€28k▲
Contributions10/11€15k€15k=
Reserves13€5k€12k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133-€7k
Profit (loss) carried forward14€748€748=
Amounts payable17/49€25k€56k▲
Amounts payable within one year42/48€25k€56k▲
Current portion of amounts payable after more than one year42€1k€0▼
Financial debts43€12k€0▼
Credit institutions430/8€12k€0▼
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€0-
Other amounts payable47/48-€48k
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€2k€12k▲
Gross operating margin9900€21k€35k▲
Operating profit (loss)9901€15k€17k▲
Financial income75/76B€480€0▼
Recurring financial income75€480€0▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€13k€15k▲
Income taxes67/77€12k€8k▼
Profit (loss) for the period9904€2k€7k▲
Profit (loss) for the period to be appropriated9905€2k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€748€8k▲
Profit (loss) brought forward from the previous period14P€-1k€748▲
Transfer from equity791/2€0-
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Back to profitnet €44k
Net result €44k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 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, Anzegem · 1 establishment unit since 2006
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.
Ingooigemstraat 628570 AnzegemGround area
1,809 m²
Building footprint
490 m²
Volume, LiDAR
2,233 m³
2 parcels, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CAFE NIEUW YVEGEM
since 20062.154.913.495
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34018B0429/00N000 | Flanders | 1,282 m² | 1 · 203 m² | 7.5 m · 1 fl. |
| 34018C0174/00Z000 | Flanders | 527 m² | 1 · 287 m² | 11.1 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAnzegem2.154.913.495
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Of 14,025 companies in sector 56301 we hold annual accounts for 4,894. 4,081 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2006
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.