JUVA
ActiveSummary
JUVA has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.49M and a net result of €708k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 60% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+13
Solvency68▲+19
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 0.72 in 2024; short-term debt: 23.5% and cash: 0.3% of total assets), and 56.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
43.4%
Return on assets
12.4%
Age of the figures
10 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
18192021232425
2018 to 2025 · latest year €2.49M
neutral · Filed after the deadline
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 30-07-2026, 30 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
30 d late
2024
154 d late
2023
105 d late
2021
4 d early
2020
131 d late
2019
122 d late
2018
69 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.49M▲ 39.8%
2024 · €1.78M
2018: €1.80M
2019: €1.71M▼ -5.0% vs 2018
2020: €1.74M▲ +1.7% vs 2019
2021: €1.68M▼ -3.6% vs 2020
2023: €1.63Mlowest value
2024: €1.78M▲ +9.2% vs 2023
2025: €2.49M▲ +39.8% vs 2024highest value
2018 → 2025
Total assets
€5.73M▼ 23.2%
2024 · €7.46M
2018: €3.89M
2019: €3.59M▼ -7.6% vs 2018
2020: €3.20M▼ -10.9% vs 2019
2021: €3.02M▼ -5.7% vs 2020lowest value
2023: €4.90M
2024: €7.46M▲ +52.3% vs 2023highest value
2025: €5.73M▼ -23.2% vs 2024
2018 → 2025
Net result
€708k▲ 372%
2024 · €150k
2018: €782khighest value
2019: €-90k▼ -112% vs 2018lowest value
2020: €29k▲ +132% vs 2019
2021: €-63k▼ -319% vs 2020
2023: €-50k
2024: €150k▲ +400% vs 2023
2025: €708k▲ +372% vs 2024
2018 → 2025
Working capital
€324k
2024 · €-1.25M
2018: €867khighest value
2019: €705k▼ -18.7% vs 2018
2020: €446k▼ -36.7% vs 2019
2021: €90k▼ -79.8% vs 2020
2023: €-898k
2024: €-1.25M▼ -39.3% vs 2023lowest value
2025: €324k▲ +126% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€1.74M-€1.68M▼ 3.6%€1.63M▼ 3.0%€1.78M▲ 9.2%€2.49M▲ 39.8%
2020: €1.74M
2021: €1.68M▼ -3.6% vs 2020
2023: €1.63Mlowest value
2024: €1.78M▲ +9.2% vs 2023
2025: €2.49M▲ +39.8% vs 2024highest value
Operating result€-62k-€-68k▼ 9.8%€-47k▲ 31.9%€422k€1.01M▲ 140%
2020: €-62k
2021: €-68k▼ -9.8% vs 2020lowest value
2023: €-47k
2024: €422k▲ +1005% vs 2023
2025: €1.01M▲ +140% vs 2024highest value
Net result€29k-€-63k€-50k▲ 20.8%€150k€708k▲ 372%
2020: €29k
2021: €-63k▼ -319% vs 2020lowest value
2023: €-50k
2024: €150k▲ +400% vs 2023
2025: €708k▲ +372% vs 2024highest value
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 140% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.73M
Fixed assets
€4.06M ▼ 3.5%
Current assets
€1.67M ▼ 48.6%
Equity and liabilities €5.73M
Equity
€2.49M ▲ 39.8%
Provisions
€351k ▼ 5.0%
Debt
€2.89M ▼ 45.5%
Debt's share of the balance-sheet total falls from 71.2% to 50.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.18M▲
2024 · €532k
Cash flow
€879k▲
2024 · €261k
Current ratio
1.24▲
2024 · 0.72
Quick ratio
0.32▲
2024 · 0.22
Debt to equity
1.16▼
2024 · 2.98
ROE
28.5%▲
2024 · 8.4%
ROA
12.4%▲
2024 · 2.0%
Interest coverage
32.52▲
2024 · 7.93
Debt ≤ 1 year
€1.35M▼
2024 · €4.50M
Debt > 1 year
€1.54M▲
2024 · €805k
Income taxes
€298k▲
2024 · €235k
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 · 2025 against 2024 · 62 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7.46M€5.73M▼
Fixed assets21/28€4.21M€4.06M▼
Tangible fixed assets22/27€4.21M€4.06M▼
Land and buildings22€1.60M€1.63M▲
Furniture and vehicles24€13k€195k▲
Other tangible fixed assets26€12k€12k=
Assets under construction and advance payments27€2.58M€2.23M▼
Financial fixed assets28€296€296=
Current assets29/58€3.25M€1.67M▼
Stocks and contracts in progress3€2.28M€1.24M▼
Stocks30/36€1.06M€1.02M▼
Contracts in progress37€1.22M€217k▼
Amounts receivable within one year40/41€934k€410k▼
Trade receivables40€36k€150k▲
Other amounts receivable41€897k€260k▼
Current investments50/53€4k€4k=
Cash at bank and in hand54/58€32k€14k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€7.46M€5.73M▼
Equity10/15€1.78M€2.49M▲
Contributions10/11€63k€63k=
Reserves13€1.72M€2.43M▲
Tax-exempt reserves132€1.47M€1.83M▲
Distributable reserves133€252k€595k▲
Provisions and deferred taxes16€369k€351k▼
Deferred taxes168€369k€351k▼
Amounts payable17/49€5.31M€2.89M▼
Amounts payable after more than one year17€805k€1.54M▲
Financial debts170/4€771k€1.51M▲
Other amounts payable178/9€34k€34k▼
Amounts payable within one year42/48€4.50M€1.35M▼
Current portion of amounts payable after more than one year42€28k€127k▲
Trade debts44€1.44M€598k▼
Suppliers440/4€1.44M€598k▼
Advances received on contracts in progress46€2.78M€350k▼
Taxes, remuneration and social security45€48k€147k▲
Taxes450/3€48k€147k▲
Other amounts payable47/48€197k€123k▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€170k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€40k
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€25k€176k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€557k€1.40M▲
Operating profit (loss)9901€422k€1.01M▲
Financial income75/76B€17k€12k▼
Recurring financial income75€17k€12k▼
Financial charges65/66B€67k€36k▼
Recurring financial charges65€67k€36k▼
Profit (loss) for the period before taxes9903€372k€988k▲
Transfer from deferred taxes780€13k€18k▲
Income taxes67/77€235k€298k▲
Profit (loss) for the period9904€150k€708k▲
Transfer from tax-exempt reserves789€40k€55k▲
Transfer to tax-exempt reserves689€358k€421k▲
Profit (loss) for the period to be appropriated9905€-168k€343k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-168k€343k▲
Transfer from equity791/2€168k€0▼
Transfer to equity691/2€0€343k▲
To other reserves6921€0€343k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €92k | €100k | €204k | €110k | €170k | ▲ 54.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €0 | - | - | €40k | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €-60k | €0 | - | - |
| Other operating charges640/8 | - | €7k | €27k | €25k | €176k | ▲ 604% |
| Non-recurring operating charges66A | - | - | €1k | €0 | - | - |
| Gross operating margin9900 | €36k | €39k | €126k | €557k | €1.40M | ▲ 151% |
| Operating profit (loss)9901 | €-62k | €-68k | €-47k | €422k | €1.01M | ▲ 140% |
| Financial income75/76B | - | €10k | €13k | €17k | €12k | ▼ 33.9% |
| Recurring financial income75 | €11k | €10k | €13k | €17k | €12k | ▼ 33.9% |
| Financial charges65/66B | - | €18k | €41k | €67k | €36k | ▼ 45.7% |
| Recurring financial charges65 | €20k | €18k | €41k | €67k | €36k | ▼ 45.7% |
| Profit (loss) for the period before taxes9903 | €-71k | €-76k | €-75k | €372k | €988k | ▲ 166% |
| Transfer from deferred taxes780 | - | €13k | €25k | €13k | €18k | ▲ 38.4% |
| Income taxes67/77 | €0 | €-41 | €360 | €235k | €298k | ▲ 27.0% |
| Profit (loss) for the period9904 | €29k | €-63k | €-50k | €150k | €708k | ▲ 372% |
| Transfer from tax-exempt reserves789 | - | €39k | €76k | €40k | €55k | ▲ 38.4% |
| Transfer to tax-exempt reserves689 | - | €0 | - | €358k | €421k | ▲ 17.6% |
| Profit (loss) for the period to be appropriated9905 | €-18k | €-24k | €25k | €-168k | €343k | ▲ 305% |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.20M | €3.02M | €4.90M | €7.46M | €5.73M | ▼ 23.2% |
| Fixed assets21/28 | €2.36M | €2.52M | €3.71M | €4.21M | €4.06M | ▼ 3.5% |
| Tangible fixed assets22/27 | €1.36M | €1.52M | €3.71M | €4.21M | €4.06M | ▼ 3.5% |
| Land and buildings22 | - | €1.23M | €1.65M | €1.60M | €1.63M | ▲ 1.7% |
| Furniture and vehicles24 | - | €463 | €27k | €13k | €195k | ▲ 1,360% |
| Other tangible fixed assets26 | - | - | €12k | €12k | €12k | = |
| Assets under construction and advance payments27 | - | €289k | €2.02M | €2.58M | €2.23M | ▼ 13.8% |
| Financial fixed assets28 | €1,000k | €1,000k | €46 | €296 | €296 | = |
| Current assets29/58 | €842k | €501k | €1.19M | €3.25M | €1.67M | ▼ 48.6% |
| Amounts receivable after more than one year29 | - | €295k | €0 | - | - | - |
| Other amounts receivable291 | - | €295k | €0 | - | - | - |
| Stocks and contracts in progress3 | - | - | €995k | €2.28M | €1.24M | ▼ 45.6% |
| Stocks30/36 | - | - | €995k | €1.06M | €1.02M | ▼ 3.8% |
| Contracts in progress37 | - | - | - | €1.22M | €217k | ▼ 82.2% |
| Amounts receivable within one year40/41 | €283k | €186k | €162k | €934k | €410k | ▼ 56.0% |
| Trade receivables40 | - | €4k | €121k | €36k | €150k | ▲ 312% |
| Other amounts receivable41 | - | €182k | €40k | €897k | €260k | ▼ 71.0% |
| Current investments50/53 | €4k | €4k | €4k | €4k | €4k | = |
| Cash at bank and in hand54/58 | €355k | €17k | €24k | €32k | €14k | ▼ 54.2% |
| Deferred charges and accrued income490/1 | - | €0 | €456 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.20M | €3.02M | €4.90M | €7.46M | €5.73M | ▼ 23.2% |
| Equity10/15 | €1.74M | €1.68M | €1.63M | €1.78M | €2.49M | ▲ 39.8% |
| Contributions10/11 | - | €63k | €63k | €63k | €63k | = |
| Reserves13 | €1.68M | €1.62M | €1.57M | €1.72M | €2.43M | ▲ 41.2% |
| Non-distributable reserves130/1 | - | €6k | €0 | - | - | - |
| Reserves not available under the articles1311 | - | €6k | €0 | - | - | - |
| Tax-exempt reserves132 | - | €1.22M | €1.15M | €1.47M | €1.83M | ▲ 24.9% |
| Distributable reserves133 | - | €388k | €420k | €252k | €595k | ▲ 136% |
| Provisions and deferred taxes16 | €481k | €468k | €383k | €369k | €351k | ▼ 5.0% |
| Provisions for liabilities and charges160/5 | - | €60k | €0 | - | - | - |
| Major repairs and maintenance162 | - | €60k | €0 | - | - | - |
| Deferred taxes168 | - | €408k | €383k | €369k | €351k | ▼ 5.0% |
| Amounts payable17/49 | €977k | €870k | €2.88M | €5.31M | €2.89M | ▼ 45.5% |
| Amounts payable after more than one year17 | €574k | €451k | €799k | €805k | €1.54M | ▲ 91.7% |
| Financial debts170/4 | - | €444k | €788k | €771k | €1.51M | ▲ 95.7% |
| Other amounts payable178/9 | - | €7k | €11k | €34k | €34k | ▼ 0.5% |
| Amounts payable within one year42/48 | €395k | €411k | €2.08M | €4.50M | €1.35M | ▼ 70.1% |
| Current portion of amounts payable after more than one year42 | - | €121k | €28k | €28k | €127k | ▲ 353% |
| Financial debts43 | - | €249k | €0 | - | - | - |
| Credit institutions430/8 | - | €249k | €0 | - | - | - |
| Trade debts44 | €17k | €32k | €1.88M | €1.44M | €598k | ▼ 58.5% |
| Suppliers440/4 | - | €32k | €1.88M | €1.44M | €598k | ▼ 58.5% |
| Advances received on contracts in progress46 | - | €3k | €0 | €2.78M | €350k | ▼ 87.4% |
| Taxes, remuneration and social security45 | - | €2k | €6k | €48k | €147k | ▲ 205% |
| Taxes450/3 | - | €2k | €6k | €48k | €147k | ▲ 205% |
| Other amounts payable47/48 | - | €3k | €169k | €197k | €123k | ▼ 37.3% |
| Accrued charges and deferred income492/3 | - | €8k | €840 | €3k | €3k | ▼ 5.1% |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29k | €-63k | €-50k | €150k | €708k | ▲ 372% |
| + Depreciation and write-downs630 | €92k | €100k | €204k | €110k | €170k | ▲ 54.2% |
| Operating cash flow (approximation) | €121k | €37k | €154k | €261k | €879k | ▲ 237% |
| Investment in fixed assets (approximation) | - | €-257k | - | €-607k | €-24k | ▲ 96.0% |
| Change in cash | - | €-338k | - | €7k | €-17k | ▼ 340% |
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 154 days late
30-11
Financial
Equity above €2MEq €2.49M ▲39.8%
2 profitable years in a row build equity to €2.49M.
2024
30-11
Financial
Back to profitnet €150k
Net result €150k after 2 loss-making years.
13-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 105 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 131 days late
2020
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €-90k
Net result drops to €-90k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 69 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
03-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Temse · 1 establishment unit since 1990
Ground area
1.8 ha
Building footprint
6,209 m²
Volume, LiDAR
39,961 m³
Parcel 46025B0367/00C000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Juva
since 19902.253.135.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0367/00C000 | Flanders | 1.8 ha | 1 · 6,209 m² | 8.3 m · 2 fl. |
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 12,020 companies in sector 68203 we hold annual accounts for 5,986. 3,425 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
Founded19-08-1987
Fiscal year end30-11
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
Contact
E-mail
brunolauwers@skynet.be
Phone
03 2192908
E-mail
bruno@lauwersenpartners.beTemse
Scores and ratios are computed by Checked and are not a credit decision.