JUVILA
ActiveSummary
The computed 12-month bankruptcy probability of JUVILA is 1.6% (moderate). The 2026 annual accounts show negative equity (-€240,418) and a net result of -€26,517. Equity is shrinking by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 234 sector peers (fiscal year 2026). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
Axes · tick = 2025
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11 against 0.11 in 2025; short-term debt: 752.4% and cash: 0.4% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
-652.4%
Return on assets
-72%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more 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
raises risk · Negative equity
The 2026 annual accounts show negative equity and a net loss.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year -€240,418
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 31-08-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
on the day
2025
2 d early
2024
24 d late
2023
53 d late
2022
58 d late
2021
59 d late
2020
91 d late
← 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 40 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. Usually files around 25 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-01-2027 close31-08-2027 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
-€240,418▼ 12.4%
2025 · -€213,901
Total assets
€36,851▼ 20.0%
2025 · €46,041
Net result
-€26,517▲ 10.8%
2025 · -€29,736
Working capital
-€247,753▼ 7.5%
2025 · -€230,490
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result-€49,976▼ 626%-€22,400▲ 55.2%-€40,758▼ 82.0%-€29,366▲ 28.0%-€26,187▲ 10.8%
Net result-€49,644below the sector's middle half▼ 451%-€23,202below the sector's middle half▲ 53.3%-€39,933below the sector's middle half▼ 72.1%-€29,736below the sector's middle half▲ 25.5%-€26,517▲ 10.8%
Equity-€121,030below the sector's middle half▼ 69.5%-€144,232below the sector's middle half▼ 19.2%-€184,165below the sector's middle half▼ 27.7%-€213,901below the sector's middle half▼ 16.1%-€240,418▼ 12.4%
Total assets€68,101within the sector's middle half▼ 55.1%€79,609within the sector's middle half▲ 16.9%€61,038within the sector's middle half▼ 23.3%€46,041below the sector's middle half▼ 24.6%€36,851▼ 20.0%
Debt€189,131▼ 15.2%€223,841▲ 18.4%€245,203▲ 9.5%€259,942▲ 6.0%€277,269▲ 6.7%
Working capital-€124,068below the sector's middle half▼ 62.6%-€171,878below the sector's middle half▼ 38.5%-€210,501below the sector's middle half▼ 22.5%-€230,490below the sector's middle half▼ 9.5%-€247,753▼ 7.5%
Solvency-177.7%below the sector's middle half▼ 130.6pp-181.2%below the sector's middle half▼ 3.5pp-301.7%below the sector's middle half▼ 120.5pp-464.6%below the sector's middle half▼ 162.9pp-652.4%▼ 187.8pp
Current ratio0.34below the sector's middle half▼ 0.310.23below the sector's middle half▼ 0.110.14below the sector's middle half▼ 0.090.11below the sector's middle half▼ 0.030.11▼ 0.01
Return on assets (ROA)-72.9%below the sector's middle half▼ 67.0pp-29.1%below the sector's middle half▲ 43.8pp-65.4%below the sector's middle half▼ 36.3pp-64.6%below the sector's middle half▲ 0.8pp-72.0%▼ 7.4pp
Staff (FTE)1=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €26,187 in 2026 against €29,366 in 2025; the loss shrinks.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €36,851
Fixed assets
€7,334 ▼ 55.8%
Current assets
€29,516 ▲ 0.2%
Key figures and ratios
EBITDA
-€16,933▲
2025 · -€19,619
Cash flow
-€17,262▲
2025 · -€19,990
Debt to equity
-1.15▲
2025 · -1.22
Interest coverage
-107.07▼
2025 · -95.56
Debt ≤ 1 year
€277,269▲
2025 · €259,942
Income taxes
€171▲
2025 · €166
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,906 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €21,405 | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,549 | €7,100 | €8,084 | €9,746 | €9,255 | ▼ 5.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €9,162 | €4,278 | €11,139 | €7,653 | -€171,000 | ▼ 2,335% |
| Other operating charges640/8 | €2,159 | €1,312 | €708 | €1,077 | €1,050 | ▼ 2.5% |
| Non-recurring operating charges66A | - | €4,086 | €0 | - | - | - |
| Gross operating margin9900 | -€11,701 | -€5,623 | -€20,827 | -€10,890 | -€186,883 | ▼ 1,616% |
| Operating profit (loss)9901 | -€49,976 | -€22,400 | -€40,758 | -€29,366 | -€26,187 | ▲ 10.8% |
| Financial income75/76B | €1,336 | €1,408 | €3,653 | €0 | €0 | ▼ 100% |
| Recurring financial income75 | €1,336 | €1,408 | €3,653 | €0 | €0 | ▼ 100% |
| Financial charges65/66B | €822 | €2,052 | €2,668 | €205 | €158 | ▼ 23.0% |
| Recurring financial charges65 | €822 | €2,052 | €2,668 | €205 | €158 | ▼ 23.0% |
| Profit (loss) for the period before taxes9903 | -€49,462 | -€23,043 | -€39,773 | -€29,571 | -€26,346 | ▲ 10.9% |
| Income taxes67/77 | €182 | €159 | €159 | €166 | €171 | ▲ 3.6% |
| Profit (loss) for the period9904 | -€49,644 | -€23,202 | -€39,933 | -€29,736 | -€26,517 | ▲ 10.8% |
| Profit (loss) for the period to be appropriated9905 | -€49,644 | -€23,202 | -€39,933 | -€29,736 | -€26,517 | ▲ 10.8% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €68,101 | €79,609 | €61,038 | €46,041 | €36,851 | ▼ 20.0% |
| Fixed assets21/28 | €3,038 | €27,646 | €26,336 | €16,589 | €7,334 | ▼ 55.8% |
| Intangible fixed assets21 | - | €26,511 | €21,670 | €14,309 | €6,949 | ▼ 51.4% |
| Tangible fixed assets22/27 | €0 | €1,010 | €4,541 | €2,155 | €260 | ▼ 87.9% |
| Furniture and vehicles24 | - | €1,010 | €4,541 | €2,155 | €260 | ▼ 87.9% |
| Other tangible fixed assets26 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €3,038 | €125 | €125 | €125 | €125 | = |
| Current assets29/58 | €65,063 | €51,963 | €34,702 | €29,452 | €29,516 | ▲ 0.2% |
| Stocks and contracts in progress3 | €50,604 | €27,249 | €16,110 | €8,457 | €0 | ▼ 100% |
| Stocks30/36 | €50,604 | €27,249 | €16,110 | €8,457 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €9,557 | €21,665 | €18,213 | €20,288 | €29,387 | ▲ 44.8% |
| Trade receivables40 | €9,554 | €20,025 | €17,486 | €19,580 | €29,082 | ▲ 48.5% |
| Other amounts receivable41 | €3 | €1,640 | €727 | €708 | €305 | ▼ 57.0% |
| Cash at bank and in hand54/58 | €4,190 | €2,669 | €168 | €546 | €129 | ▼ 76.3% |
| Deferred charges and accrued income490/1 | €712 | €380 | €212 | €161 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €68,101 | €79,609 | €61,038 | €46,041 | €36,851 | ▼ 20.0% |
| Equity10/15 | -€121,030 | -€144,232 | -€184,165 | -€213,901 | -€240,418 | ▼ 12.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €60 | €60 | €60 | €60 | €60 | = |
| Non-distributable reserves130/1 | €60 | €60 | €0 | - | - | - |
| Reserves not available under the articles1311 | €60 | €60 | €0 | - | - | - |
| Distributable reserves133 | - | - | €60 | €60 | €60 | = |
| Profit (loss) carried forward14 | -€139,690 | -€162,892 | -€202,825 | -€232,561 | -€259,078 | ▼ 11.4% |
| Amounts payable17/49 | €189,131 | €223,841 | €245,203 | €259,942 | €277,269 | ▲ 6.7% |
| Amounts payable within one year42/48 | €189,131 | €223,841 | €245,203 | €259,942 | €277,269 | ▲ 6.7% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | - | - | - |
| Financial debts43 | - | - | €166 | €0 | - | - |
| Credit institutions430/8 | - | - | €166 | €0 | - | - |
| Trade debts44 | €14,607 | €50,138 | €42,974 | €38,674 | €41,650 | ▲ 7.7% |
| Suppliers440/4 | €14,607 | €50,138 | €42,974 | €38,674 | €41,650 | ▲ 7.7% |
| Taxes, remuneration and social security45 | €14,727 | €5,360 | €202 | €325 | €337 | ▲ 3.7% |
| Taxes450/3 | €4,931 | €348 | €202 | €325 | €337 | ▲ 3.7% |
| Remuneration and social security454/9 | €9,796 | €5,012 | €0 | - | - | - |
| Other amounts payable47/48 | €159,797 | €168,343 | €201,860 | €220,944 | €235,282 | ▲ 6.5% |
| Accrued charges and deferred income492/3 | €0 | - | - | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€49,644 | -€23,202 | -€39,933 | -€29,736 | -€26,517 | ▲ 10.8% |
| + Depreciation and write-downs630 | €5,549 | €7,100 | €8,084 | €9,746 | €9,255 | ▼ 5.0% |
| Operating cash flow (approximation) | -€44,095 | -€16,102 | -€31,849 | -€19,990 | -€17,262 | ▲ 13.6% |
| Investment in fixed assets (approximation) | - | -€31,708 | -€6,774 | €0 | €0 | - |
| Change in cash | - | -€1,522 | -€2,501 | €378 | -€417 | ▼ 210% |
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 2027, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 53 days late
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
31-01
Financial
Weakest financial yearnet -€49,644
Net result drops to -€49,644, the lowest in the series; recovery starts the following year.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
2019
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 81 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Profondeville · 1 establishment unit since 2012
Ground area
4,112 m²
Building footprint
296 m²
Volume, LiDAR
1,333 m³
2 parcels, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FAIS A TA MODE
since 20122.210.632.770
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039B0014/00Y012 | Wallonia | 3,340 m² | 1 · 150 m² | 9.9 m · 3 fl. |
| 92101A0050/00Y012 | Wallonia | 772 m² | 1 · 146 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-01-2022 list no shareholders, and no other source names one.
Holdings 1
-
49%
According to the annual accounts to 31-01-2022 of JUVILA 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.
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Dinant
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,215 companies in sector 47711 we hold annual accounts for 888. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-06-2012
Fiscal year end31-01
Activities, NACEBEL 2025
47711Retail sale of women's outerwear
32130Manufacture of imitation jewellery and related articles
46424Wholesale trade
46425Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846748632
Registered
14-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.