Summary
JUVALO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €698,430 and a net result of €33,299. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 64% of 5651 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
52 d early
2023
61 d early
2022
8 d early
2021
56 d early
2020
51 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 39 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 10 December (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€698,430▲ 5.0%
2024 · €665,132
Net result
€33,299▼ 54.4%
2024 · €72,987
Total assets
€1.1m▼ 1.5%
2024 · €1.1m
Solvency
66.1%▲ 4.1pp
2024 · 62.0%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€38,409€47,581▲ 23.9%€29,490▼ 38.0%€40,685▲ 38.0%€64,265▲ 58.0%
Net result€111,397within the sector's middle half▲ 53.1%€120,228within the sector's middle half▲ 7.9%€16,261within the sector's middle half▼ 86.5%€72,987within the sector's middle half▲ 349%€33,299within the sector's middle half▼ 54.4%
Equity€455,656within the sector's middle half▲ 32.4%€575,884within the sector's middle half▲ 26.4%€592,145within the sector's middle half▲ 2.8%€665,132within the sector's middle half▲ 12.3%€698,430within the sector's middle half▲ 5.0%
Total assets€830,564within the sector's middle half▼ 0.9%€843,909within the sector's middle half▲ 1.6%€823,427within the sector's middle half▼ 2.4%€1.1mwithin the sector's middle half▲ 30.2%€1.1mwithin the sector's middle half▼ 1.5%
Debt€374,908▼ 24.0%€268,025▼ 28.5%€231,282▼ 13.7%€406,980▲ 76.0%€357,928▼ 12.1%
Working capital-€254,946below the sector's middle half▲ 29.8%-€141,349within the sector's middle half▲ 44.6%-€130,703within the sector's middle half▲ 7.5%-€152,526within the sector's middle half▼ 16.7%-€155,674within the sector's middle half▼ 2.1%
Solvency54.9%within the sector's middle half▲ 13.8pp68.2%within the sector's middle half▲ 13.4pp71.9%within the sector's middle half▲ 3.7pp62.0%within the sector's middle half▼ 9.9pp66.1%within the sector's middle half▲ 4.1pp
Current ratio0.07below the sector's middle half▲ 0.030.23below the sector's middle half▲ 0.160.21below the sector's middle half▼ 0.020.12below the sector's middle half▼ 0.090.11below the sector's middle half▼ 0.02
Return on assets (ROA)13.4%above the sector's middle half▲ 4.7pp14.2%above the sector's middle half▲ 0.8pp2.0%within the sector's middle half▼ 12.3pp6.8%within the sector's middle half▲ 4.8pp3.2%within the sector's middle half▼ 3.7pp
Staff (FTE)1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated 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 58% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€1.0m ▼ 1.3%
Current assets
€18,484 ▼ 12.2%
Equity and liabilities €1.1m
Equity
€698,430 ▲ 5.0%
Debt
€357,928 ▼ 12.1%
Debt's share of the balance-sheet total falls from 38.0% to 33.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.8%▼
2024 · 11.0%
Debt ≤ 1 year
€174,158▲
2024 · €173,586
Debt > 1 year
€183,770▼
2024 · €233,395
Income taxes
€19,211▲
2024 · €16,363
Staff costs
€126,093▲
2024 · €99,141
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €92,422 | €104,202 | €99,141 | €126,093 | ▲ 27.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,389 | €13,390 | €12,851 | €13,139 | €13,178 | ▲ 0.3% |
| Other operating charges640/8 | - | €2,358 | €2,393 | €2,624 | €3,055 | ▲ 16.4% |
| Gross operating margin9900 | €144,723 | €155,752 | €148,937 | €155,589 | €206,591 | ▲ 32.8% |
| Operating profit (loss)9901 | €38,409 | €47,581 | €29,490 | €40,685 | €64,265 | ▲ 58.0% |
| Financial income75/76B | - | €99,697 | €0 | €55,000 | €0 | ▼ 100% |
| Recurring financial income75 | €99,697 | €99,697 | €0 | €55,000 | €0 | ▼ 100% |
| Financial charges65/66B | - | €6,136 | €5,481 | €6,335 | €11,755 | ▲ 85.5% |
| Recurring financial charges65 | €6,849 | €6,136 | €5,481 | €6,335 | €11,755 | ▲ 85.5% |
| Profit (loss) for the period before taxes9903 | €131,257 | €141,142 | €24,009 | €89,350 | €52,509 | ▼ 41.2% |
| Income taxes67/77 | €19,861 | €20,914 | €7,748 | €16,363 | €19,211 | ▲ 17.4% |
| Profit (loss) for the period9904 | €111,397 | €120,228 | €16,261 | €72,987 | €33,299 | ▼ 54.4% |
| Profit (loss) for the period to be appropriated9905 | €111,397 | €120,228 | €16,261 | €72,987 | €33,299 | ▼ 54.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €830,564 | €843,909 | €823,427 | €1.1m | €1.1m | ▼ 1.5% |
| Fixed assets21/28 | €811,945 | €801,061 | €788,210 | €1.1m | €1.0m | ▼ 1.3% |
| Tangible fixed assets22/27 | €75,105 | €64,221 | €51,369 | €39,212 | €26,034 | ▼ 33.6% |
| Plant, machinery and equipment23 | - | €0 | - | €694 | €367 | ▼ 47.2% |
| Other tangible fixed assets26 | - | €64,221 | €51,369 | €38,518 | €25,667 | ▼ 33.4% |
| Financial fixed assets28 | €736,840 | €736,840 | €736,840 | €1.0m | €1.0m | = |
| Current assets29/58 | €18,619 | €42,848 | €35,217 | €21,060 | €18,484 | ▼ 12.2% |
| Amounts receivable within one year40/41 | €14,520 | €29,040 | €17,910 | €508 | €3 | ▼ 99.5% |
| Trade receivables40 | - | €29,040 | €14,520 | €0 | - | - |
| Other amounts receivable41 | - | - | €3,390 | €508 | €3 | ▼ 99.5% |
| Cash at bank and in hand54/58 | €4,099 | €12,292 | €17,001 | €18,023 | €16,422 | ▼ 8.9% |
| Deferred charges and accrued income490/1 | - | €1,516 | €306 | €2,529 | €2,060 | ▼ 18.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €830,564 | €843,909 | €823,427 | €1.1m | €1.1m | ▼ 1.5% |
| Equity10/15 | €455,656 | €575,884 | €592,145 | €665,132 | €698,430 | ▲ 5.0% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €443,256 | €563,484 | €579,745 | €652,732 | €686,030 | ▲ 5.1% |
| Non-distributable reserves130/1 | - | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | €561,624 | €579,745 | €652,732 | €686,030 | ▲ 5.1% |
| Amounts payable17/49 | €374,908 | €268,025 | €231,282 | €406,980 | €357,928 | ▼ 12.1% |
| Amounts payable after more than one year17 | €101,343 | €83,828 | €65,362 | €233,395 | €183,770 | ▼ 21.3% |
| Financial debts170/4 | - | €83,828 | €65,362 | €233,395 | €183,770 | ▼ 21.3% |
| Amounts payable within one year42/48 | €273,564 | €184,197 | €165,920 | €173,586 | €174,158 | ▲ 0.3% |
| Current portion of amounts payable after more than one year42 | - | €17,515 | €18,467 | €47,418 | €49,624 | ▲ 4.7% |
| Financial debts43 | - | €4,897 | €6,615 | €6,632 | €9,383 | ▲ 41.5% |
| Credit institutions430/8 | - | €4,384 | €6,615 | €6,632 | €9,383 | ▲ 41.5% |
| Other loans439 | - | €513 | - | - | - | - |
| Trade debts44 | €868 | €2,242 | €9,436 | €7,763 | €6,731 | ▼ 13.3% |
| Suppliers440/4 | - | €2,242 | €9,436 | €7,763 | €6,731 | ▼ 13.3% |
| Advances received on contracts in progress46 | - | - | - | - | €3,630 | - |
| Taxes, remuneration and social security45 | - | €37,539 | €23,799 | €18,570 | €25,888 | ▲ 39.4% |
| Taxes450/3 | - | €18,112 | €2,792 | €9,278 | €5,114 | ▼ 44.9% |
| Remuneration and social security454/9 | - | €19,427 | €21,007 | €9,293 | €20,775 | ▲ 124% |
| Other amounts payable47/48 | - | €122,003 | €107,603 | €93,203 | €78,901 | ▼ 15.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €111,397 | €120,228 | €16,261 | €72,987 | €33,299 | ▼ 54.4% |
| + Depreciation and write-downs630 | €13,389 | €13,390 | €12,851 | €13,139 | €13,178 | ▲ 0.3% |
| Operating cash flow (approximation) | €124,785 | €133,618 | €29,112 | €86,126 | €46,477 | ▼ 46.0% |
| Investment in fixed assets (approximation) | - | -€2,506 | €0 | -€275,982 | €0 | ▲ 100% |
| Change in cash | - | €8,193 | €4,709 | €1,021 | -€1,601 | ▼ 257% |
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
23-07
State Gazette act
Registered officeRegistered-office move · Power of attorney7 facts ▸
State Gazette act
Registered office
Registered-office move · Power of attorney7 facts ▸
- Registered-office move, Zevenkote 25, 8300 Knokke-Heist
- Power of attorney, Moore Finance & Tax BV
- Power of attorney, Tanja De Naeyer
- Power of attorney, Dominique Jaminet
- Power of attorney, Valira Baleci
- Power of attorney, Kaat Willems
- Power of attorney, Eline Roels
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
10-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
01-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €120,228 ▲7.9%
Net result €120,228, the highest in the series.
30-06
Financial
Equity above €500,000Eq €575,884 ▲26.4%
4 profitable years in a row build equity to €575,884.
2021
06-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
10-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 1 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2003
Ground area
5,054 m²
Building footprint
200 m²
Volume, LiDAR
873 m³
Parcel 31333K0024/00E000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JUVALO
since 20032.132.418.108
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333K0024/00E000 | Flanders | 5,054 m² | 1 · 200 m² | 7.7 m · 1 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.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 2
-
100%
-
99.7%
According to the annual accounts to 30-06-2025 of JUVALO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
SLS INVEST
BE 0849.581.131
Kortrijk · Eq €698,451
SimCon
BE 0799.730.158
Roosdaal · Eq €698,350
GLOCOMMO
BE 0648.804.096
Gent · Eq €698,821
SYRA
BE 0844.285.426
Wevelgem · Eq €698,859
Lavolpe
BE 0820.366.612
Tielt-Winge · Eq €698,949
Of 24,721 companies in this sector we hold annual accounts for 19,804. 13,330 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded02-06-2003
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
47830Retail sale of motorcycles and motorcycle parts and accessories
68110Buying and selling of own real estate
74201Photography, excluding press photography
74209Other photographic activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0480493161
Also
9925:BE0480493161
Registered
09-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.