Summary
JUVAN 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 €901,851 and a net result of €55,302. Equity is growing by about 4.1% per year across the filed financial years. Its solvency ranks better than 66% of 6,652 sector peers (NACE 64, financial year 2025). The company has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
5th oldest company in Diepenbeek, Finance and insurance sector1 site
Size
€1.3mtotal assets 2025
- Equity
- €901,851
- Profit
- €55,302
Turnover not published (abbreviated format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- VANDORMAEL MarcDirector
2025 accounts 107 days early1 of 5 deeds summarised
SignalsneutralLatest accounts filed on timeShow the evidence
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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-04-2026, 107 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
107 days early
2024
1 day early
2023
on the day
2022
18 days early
2021
4 days early
2020
8 days 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 20 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · abbreviated…
- Highest result from 2018 to 2025net €64,663 ▲31.4%
Financials · financial year 2025, abbreviated format
In the rankings
#5 oldest company in Diepenbeek, Finance and insurance sector
Equity
€901,851▲ 6.5%
2024 · €846,549
Net result
€55,302▼ 14.5%
2024 · €64,663
Total assets
€1.3m▼ 5.5%
2024 · €1.4m
Solvency
67.7%▲ 7.7pp
2024 · 60.0%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.08m
2025
Net result€0.06m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.3m
2025
Equity€0.9m
2025
Debt€0.4m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.1m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)4.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency67.7%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.87
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.03m-€0.04m▲ 34.4%€0.02m▼ 37.2%€0.03m▲ 9.7%€0.04m▲ 38.8%€0.06m▲ 70.9%€0.08m▲ 29.1%€0.08m▲ 7.0%
Net result€0.01m-€0.02m▲ 64.3%€0.01mwithin the sector's middle half▼ 40.5%€0.01mwithin the sector's middle half▲ 31.8%€0.02mwithin the sector's middle half▲ 81.4%€0.05mwithin the sector's middle half▲ 109%€0.06mwithin the sector's middle half▲ 31.4%€0.06mwithin the sector's middle half▼ 14.5%
Equity€0.7m-€0.7m▲ 2.5%€0.7mwithin the sector's middle half▲ 1.4%€0.7mwithin the sector's middle half▲ 1.9%€0.7mwithin the sector's middle half▲ 3.3%€0.8mwithin the sector's middle half▲ 6.7%€0.8mwithin the sector's middle half▲ 8.3%€0.9mwithin the sector's middle half▲ 6.5%
Total assets€1.4m-€1.5m▲ 6.5%€1.4mwithin the sector's middle half▼ 4.8%€1.4mwithin the sector's middle half▼ 2.2%€1.4mwithin the sector's middle half▼ 1.2%€1.4mwithin the sector's middle half▲ 0.5%€1.4mwithin the sector's middle half▲ 1.8%€1.3mwithin the sector's middle half▼ 5.5%
Debt€0.7m-€0.8m▲ 10.2%€0.7m▼ 10.0%€0.7m▼ 6.0%€0.6m▼ 5.9%€0.6m▼ 6.6%€0.6m▼ 6.5%€0.4m▼ 23.6%
Working capital€0.03m-€0.06m▲ 120%€0.007mwithin the sector's middle half▼ 87.6%€0.03mwithin the sector's middle half▲ 307%€0.06mwithin the sector's middle half▲ 98.6%€0.1mwithin the sector's middle half▲ 78.0%€0.2mwithin the sector's middle half▲ 56.6%€0.1mwithin the sector's middle half▼ 30.5%
Solvency47.7%-45.8%▼ 1.8pp48.8%within the sector's middle half▲ 3.0pp50.8%within the sector's middle half▲ 2.0pp53.2%within the sector's middle half▲ 2.3pp56.5%within the sector's middle half▲ 3.3pp60.0%within the sector's middle half▲ 3.6pp67.7%within the sector's middle half▲ 7.7pp
Current ratio1.80-2.25▲ 0.451.13within the sector's middle half▼ 1.121.53within the sector's middle half▲ 0.411.99within the sector's middle half▲ 0.452.79within the sector's middle half▲ 0.803.91above the sector's middle half▲ 1.132.87within the sector's middle half▼ 1.05
Return on assets (ROA)0.7%-1.1%▲ 0.4pp0.7%within the sector's middle half▼ 0.4pp0.9%within the sector's middle half▲ 0.2pp1.7%within the sector's middle half▲ 0.8pp3.6%within the sector's middle half▲ 1.8pp4.6%within the sector's middle half▲ 1.0pp4.2%within the sector's middle half▼ 0.4pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€1.2m ▼ 2.9%
Current assets
€168,164 ▼ 20.5%
Equity and liabilities €1.3m
Equity
€901,851 ▲ 6.5%
Debt
€430,324 ▼ 23.6%
Debt's share of the balance-sheet total falls from 40.0% to 32.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
6.1%▼
2024 · 7.6%
Debt ≤ 1 year
€58,681▲
2024 · €54,019
Debt > 1 year
€367,340▼
2024 · €504,149
Income taxes
€20,738▲
2024 · €2,399
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47,526 | €51,641 | €51,557 | €51,942 | €51,507 | €36,395 | €34,939 | €34,551 | ▼ 1.1% |
| Other operating charges640/8 | - | - | - | €3,610 | €3,349 | €5,340 | €4,999 | €3,906 | ▼ 21.9% |
| Gross operating margin9900 | €78,481 | €92,069 | €79,611 | €80,895 | €90,024 | €101,821 | €117,530 | €121,482 | ▲ 3.4% |
| Operating profit (loss)9901 | €27,354 | €36,771 | €23,102 | €25,343 | €35,169 | €60,086 | €77,592 | €83,025 | ▲ 7.0% |
| Financial income75/76B | - | - | - | €0 | - | - | - | €1,956 | - |
| Recurring financial income75 | - | - | €0 | €0 | - | - | - | €1,956 | - |
| Financial charges65/66B | - | - | - | €12,376 | €11,643 | €10,868 | €10,529 | €8,940 | ▼ 15.1% |
| Recurring financial charges65 | €17,282 | €20,224 | €13,264 | €12,376 | €11,643 | €10,868 | €10,529 | €8,940 | ▼ 15.1% |
| Profit (loss) for the period before taxes9903 | €10,071 | €16,548 | €9,838 | €12,967 | €23,525 | €49,217 | €67,062 | €76,041 | ▲ 13.4% |
| Income taxes67/77 | - | - | - | - | - | - | €2,399 | €20,738 | ▲ 764% |
| Profit (loss) for the period9904 | €10,071 | €16,548 | €9,838 | €12,967 | €23,525 | €49,217 | €64,663 | €55,302 | ▼ 14.5% |
| Profit (loss) for the period to be appropriated9905 | €10,071 | €16,548 | €9,838 | €12,967 | €23,525 | €49,217 | €64,663 | €55,302 | ▼ 14.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.4m | €1.5m | €1.4m | €1.4m | €1.4m | €1.4m | €1.4m | €1.3m | ▼ 5.5% |
| Fixed assets21/28 | €1.3m | €1.4m | €1.4m | €1.3m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 2.9% |
| Tangible fixed assets22/27 | €1.3m | €1.4m | €1.4m | €1.3m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 2.9% |
| Land and buildings22 | - | - | - | €1.3m | €1.3m | €1.2m | €1.2m | €1.2m | ▼ 2.9% |
| Current assets29/58 | €0.06m | €0.1m | €0.06m | €0.08m | €0.1m | €0.2m | €0.2m | €0.2m | ▼ 20.5% |
| Amounts receivable within one year40/41 | €0.004m | €0.02m | €0.008m | €0 | - | €0.002m | €0.03m | €0.04m | ▲ 44.6% |
| Trade receivables40 | - | - | - | €0 | - | - | - | - | - |
| Other amounts receivable41 | - | - | - | €0 | - | €0.002m | €0.03m | €0.04m | ▲ 44.6% |
| Cash at bank and in hand54/58 | €0.05m | €0.08m | €0.05m | €0.08m | €0.1m | €0.1m | €0.2m | €0.1m | ▼ 32.8% |
| Deferred charges and accrued income490/1 | - | - | - | €0.006m | €0.01m | €0.009m | €0.009m | €0.01m | ▲ 3.2% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.4m | €1.5m | €1.4m | €1.4m | €1.4m | €1.4m | €1.4m | €1.3m | ▼ 5.5% |
| Equity10/15 | €0.7m | €0.7m | €0.7m | €0.7m | €0.7m | €0.8m | €0.8m | €0.9m | ▲ 6.5% |
| Contributions10/11 | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | = |
| Capital10 | - | - | - | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | = |
| Issued capital100 | - | - | - | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | = |
| Reserves13 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.1m | ▲ 332% |
| Non-distributable reserves130/1 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Legal reserve130 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Distributable reserves133 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.08m | ▲ 41× |
| Profit (loss) carried forward14 | -€0.1m | -€0.1m | -€0.1m | -€0.1m | -€0.09m | -€0.04m | €0.03m | €0 | ▼ 100% |
| Amounts payable17/49 | €0.7m | €0.8m | €0.7m | €0.7m | €0.6m | €0.6m | €0.6m | €0.4m | ▼ 23.6% |
| Amounts payable after more than one year17 | €0.7m | €0.8m | €0.7m | €0.6m | €0.6m | €0.5m | €0.5m | €0.4m | ▼ 27.1% |
| Financial debts170/4 | - | - | - | €0.6m | €0.6m | €0.5m | €0.5m | €0.4m | ▼ 27.1% |
| Amounts payable within one year42/48 | €0.03m | €0.04m | €0.05m | €0.05m | €0.06m | €0.06m | €0.05m | €0.06m | ▲ 8.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.04m | €0.04m | €0.04m | €0.04m | €0.04m | = |
| Trade debts44 | €0.002m | €0.005m | €10 | €0.002m | €0.005m | €0.003m | €0.006m | €0.005m | ▼ 17.5% |
| Suppliers440/4 | - | - | - | €0.002m | €0.005m | €0.003m | €0.006m | €0.005m | ▼ 17.5% |
| Taxes, remuneration and social security45 | - | - | - | €0.01m | €0.01m | €0.02m | €0.01m | €0.02m | ▲ 59.8% |
| Taxes450/3 | - | - | - | €0.01m | €0.01m | €0.02m | €0.01m | €0.02m | ▲ 59.8% |
| Remuneration and social security454/9 | - | - | - | €0 | - | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €0.002m | €0.002m | €0 | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €0.005m | €0.005m | €0.005m | €0.005m | €0.004m | ▼ 18.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,071 | €16,548 | €9,838 | €12,967 | €23,525 | €49,217 | €64,663 | €55,302 | ▼ 14.5% |
| + Depreciation and write-downs630 | €47,526 | €51,641 | €51,557 | €51,942 | €51,507 | €36,395 | €34,939 | €34,551 | ▼ 1.1% |
| Operating cash flow (approximation) | €57,597 | €68,189 | €61,395 | €64,909 | €75,032 | €85,613 | €99,602 | €89,853 | ▼ 9.8% |
| Investment in fixed assets (approximation) | - | -€99,712 | -€19,193 | -€1,519 | -€2,500 | €0 | -€5,770 | €0 | - |
| Change in cash | - | €32,315 | -€35,604 | €29,426 | €26,888 | €43,182 | €27,018 | -€56,731 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 32 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 15-04-2026 | 2026-00082465 |
| 31-12-2024 | abbreviated format | 30-07-2025 | 2025-00345928 |
| 31-12-2023 | abbreviated format | 31-07-2024 | 2024-00320170 |
| 31-12-2022 | abbreviated format | 13-07-2023 | 2023-00237341 |
| 31-12-2021 | abbreviated format | 27-07-2022 | 2022-20241787 |
| 31-12-2020 | abbreviated format | 23-07-2021 | 2021-39100395 |
| 31-12-2019 | abbreviated format | 31-07-2020 | 2020-38000589 |
| 31-12-2018 | abbreviated format | 09-07-2019 | 2019-31700135 |
| 31-12-2017 | abbreviated format | 31-07-2018 | 2018-41000068 |
| 31-12-2016 | micro format | 20-07-2017 | 2017-34800505 |
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Of the 24,459 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,049. 12,964 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
1 director, last change in 2024
VANDORMAEL Marc
CurrentSole director · since 15-01-2024
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
4 of this company's 5 Belgian Official Gazette deeds have not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.
Mandate history
1 person since 2024, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| VANDORMAEL Marc |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
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History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
15-04
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format
2025
30-07
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format
2024
31-12
Financial
Highest result from 2018 to 2025net €64,663 ▲31.4%
Net result €64,663, the highest in the series.
31-07
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format
15-01
Gazette deed
Appointment: VANDORMAEL Marc (sole director)Amendment of the articles · Board rule6 facts ▸
Gazette deed
Appointment: VANDORMAEL Marc (sole director)
Amendment of the articles · Board rule6 facts ▸
- General meeting, “buitengewone algemene vergadering” (deed in Dutch)
- Other provision, “onderwerping aan bepalingen Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Amendment of the articles
- Other provision, “ontslag alle in functie zijnde bestuurders” (deed in Dutch)
- Director appointment, VANDORMAEL Marc (sole director)
- Board rule, 1
2023
13-07
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format
2022
27-07
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
23-07
NBB filing
Annual accounts filed
financial year 2020 · abbreviated format
2020
31-12
Financial
Weakest financial yearnet €9,838 ▼40.5%
Net result drops to €9,838, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
financial year 2019 · abbreviated format
2019
09-07
NBB filing
Annual accounts filed
financial year 2018 · abbreviated format
2018
31-07
NBB filing
Annual accounts filed
financial year 2017 · abbreviated format
2017
20-07
NBB filing
Annual accounts filed
financial year 2016 · micro format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 32 annual accounts filed, the latest 10 are here; all 32 are under Financials.
1 of 5 deeds read
About the unread acts
Of the 5 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPublic limited company
Founded31-12-1993
Financial year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0452031876
Registered
07-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits
1 application in Flanders since 2019 · 1 granted
Slopen of verwijderen; Verwijderen van vrijstaande gebouwen
Source: Omgevingsloket Vlaanderen. Flanders only: Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Diepenbeek · 1 establishment unit since 1994
Ground area
2,985 m²
Building footprint
494 m²
Building volume
1,926 m³
2 parcels, Flanders · tallest building 8.5 m. Linked by address, not a title deed.
1 establishment unit
JUVAN
since 1994unit no. 2.065.581.643
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71403E0009/00W000 | Flanders | 2,028 m² | 1 · 319 m² | 5.2 m · 1 |
| 71403E0009/00Y000 | Flanders | 957 m² | 1 · 176 m² | 8.5 m · 2 |
How the parcels are linked
Good to know
Both parcels match the address exactly.