JUVAMU
ActiveJUVAMU has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €230k and a net result of €31k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 93% of 2541 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 11.67 against 11.82 in 2023; short-term debt: 7.5% and cash: 84% of total assets), and 7.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
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 03-06-2025, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
58 d early
2023
71 d early
2022
16 d late
2021
1 d late
2020
25 d late
2019
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€230k▲ 6.9%
2023 · €215k
2018: €109k
2019: €123k
2020: €149k
2021: €163k
2022: €194k
2023: €215k
2018 → 2024
Total assets
€248k▲ 7.4%
2023 · €231k
2018: €118k
2019: €127k
2020: €161k
2021: €171k
2022: €208k
2023: €231k
2018 → 2024
Net result
€31k▼ 10.9%
2023 · €34k
2018: €13k
2019: €16k
2020: €26k
2021: €13k
2022: €40k
2023: €34k
2018 → 2024
Working capital
€199k▲ 12.8%
2023 · €176k
2018: €84k
2019: €107k
2020: €125k
2021: €148k
2022: €155k
2023: €176k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€149k-€163k▲ 9.0%€194k▲ 19.1%€215k▲ 10.8%€230k▲ 6.9%
Operating result€37k-€21k▼ 43.6%€58k▲ 180%€50k▼ 13.4%€46k▼ 9.0%
Net result€26k-€13k▼ 48.7%€40k▲ 202%€34k▼ 14.7%€31k▼ 10.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 9% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €248k
Fixed assets
€31k▼ 20.0%
Current assets
€217k▲ 12.9%
Equity and liabilities €248k
Equity
€230k▲ 6.9%
Debt
€19k▲ 14.4%
The debt ratio rises from 7.0% to 7.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€55k▼
2023 · €59k
Cash flow
€40k▼
2023 · €43k
Solvency
92.5%▼
2023 · 93.0%
Current ratio
11.67▼
2023 · 11.82
Quick ratio
11.67▼
2023 · 11.76
Debt / equity
0.08▲
2023 · 0.08
ROE
13.4%▼
2023 · 16.0%
ROA
12.4%▼
2023 · 14.9%
Interest coverage
816.83▼
2023 · 1070.37
Debt
€19k▲
2023 · €16k
Debt ≤ 1 year
€19k▲
2023 · €16k
Income taxes
€15k▼
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€231k€248k▲
Fixed assets21/28€39k€31k▼
Tangible fixed assets22/27€39k€31k▼
Plant, machinery and equipment23€19k€17k▼
Furniture and vehicles24€20k€14k▼
Current assets29/58€193k€217k▲
Stocks and contracts in progress3€1k-
Stocks30/36€1k-
Amounts receivable within one year40/41€1k€5k▲
Trade receivables40-€5k
Other amounts receivable41€1k€383▼
Cash at bank and in hand54/58€186k€209k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€231k€248k▲
Equity10/15€215k€230k▲
Contributions10/11€19k€19k=
Reserves13€132k€147k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€130k€145k▲
Profit (loss) carried forward14€64k€64k=
Amounts payable17/49€16k€19k▲
Amounts payable within one year42/48€16k€19k▲
Trade debts44€970€946▼
Suppliers440/4€970€946▼
Taxes, remuneration and social security45€671€876▲
Taxes450/3€671€876▲
Other amounts payable47/48€15k€17k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€60k€57k▼
Operating profit (loss)9901€50k€46k▼
Financial income75/76B€401€1▼
Recurring financial income75€401€1▼
Financial charges65/66B€55€67▲
Recurring financial charges65€55€67▲
Profit (loss) for the period before taxes9903€51k€46k▼
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€34k€31k▼
Profit (loss) for the period to be appropriated9905€34k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€95k▼
Profit (loss) brought forward from the previous period14P€64k€64k=
Transfer from equity791/2€13k€16k▲
Transfer to equity691/2€34k€31k▼
To other reserves6921€34k€31k▼
Profit to be distributed694/7€13k€16k▲
Return on contributions (dividend)694€13k€16k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €215k ▲10.8%
6 profitable years in a row build equity to €215k.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Highest result since 2018net €40k ▲202%
Operating result €58k, net result €40k, both a record.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Weakest financial yearnet €13k ▼48.7%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €163k ▲9%
4 profitable years in a row build equity to €163k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 30.35
Current ratio from 10.34 to 30.35; short-term debt falls from €9k to €4k.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
08-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Fontaine-l'Evêque · 1 establishment unit since 2007
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.
Rue Grand Mouligneau(FLM) 1906141 Fontaine-l'EvêqueGround area
1,000 m²
Building footprint
176 m²
Volume, LiDAR
852 m³
Parcel 52023A0071/00B004, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Grand Mouligneau(FLM) 190, 6141 Fontaine-l'Evêque
since 20072.167.576.351
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52023A0071/00B004 | Wallonia | 1,000 m² | 1 · 176 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 1,037 companies in sector 85531 we hold annual accounts for 346. 242 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2007
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
46190Agents in non-specialised wholesale trade
53200Other postal and courier activities
82990Other business support services
85592Vocational training
86909Human health activities
86995Nutrition and dietetics services
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.
Contact details
1 entryPhone:0498/134843