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Private limited companyfounded 201214 yrs activeOombergenstraat 43, 9620 Zottegem, BelgiumKBO/BCE: BE 0846.019.053
Summary

JVCON 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 €730,964 and a net result of €168,655. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 8074 sector peers (fiscal year 2025). The company has been active since 2012 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.
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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 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 d early
2024
29 d early
2023
27 d early
2022
27 d early
2021
16 d early
2020
15 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 21 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven months
Position in the running window
31-03-2026 close27-09-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 18 May 2012, JVCON was incorporated.1 Total assets went from EUR 287,614 in 2019 to EUR 784,408 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€730,964▲ 12.4%
2024 · €650,189
Net result
€168,655▲ 21.7%
2024 · €138,602
Total assets
€784,408▲ 14.6%
2024 · €684,345
Solvency
93.2%▼ 1.8pp
2024 · 95.0%
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€191,842▲ 17.7%€203,551▲ 6.1%€193,425▼ 5.0%€205,108▲ 6.0%€248,898▲ 21.3%
Net result€136,608▲ 26.4%€140,436▲ 2.8%€136,135▼ 3.1%€138,602▲ 1.8%€168,655▲ 21.7%
Equity€355,730▲ 32.2%€446,166▲ 25.4%€546,587▲ 22.5%€650,189▲ 19.0%€730,964▲ 12.4%
Total assets€389,404▲ 26.0%€485,006▲ 24.6%€589,208▲ 21.5%€684,345▲ 16.1%€784,408▲ 14.6%
Debt€33,673▼ 15.9%€38,840▲ 15.3%€42,622▲ 9.7%€34,157▼ 19.9%€53,444▲ 56.5%
Working capital€329,911▲ 40.9%€370,230▲ 12.2%€486,795▲ 31.5%€595,500▲ 22.3%€679,119▲ 14.0%
Solvency91.4%▲ 4.3pp92.0%▲ 0.6pp92.8%▲ 0.8pp95.0%▲ 2.2pp93.2%▼ 1.8pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€100,000€200,000Operating result 2021: €191,842€191,842Net result 2021: €136,608€136,608Operating result 2022: €203,551€203,551Net result 2022: €140,436€140,436Operating result 2023: €193,425€193,425Net result 2023: €136,135€136,135Operating result 2024: €205,108€205,108Net result 2024: €138,602€138,602Operating result 2025: €248,898€248,898Net result 2025: €168,655€168,65520212022202320242025€0€100,000€200,000Operating result 2023: €193,425€193,000Net result 2023: €136,135€136,000Operating result 2024: €205,108€205,000Net result 2024: €138,602€139,000Operating result 2025: €248,898€249,000Net result 2025: €168,655€169,000202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €784,408
Fixed assets €52,520 ▼ 5.3%
Current assets €731,888 ▲ 16.4%
Equity and liabilities €784,408
Equity €730,964 ▲ 12.4%
Debt €53,444 ▲ 56.5%
Debt's share of the balance-sheet total rises from 5.0% to 6.8%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
23.1%▲
2024 · 21.3%
ROA
21.5%▲
2024 · 20.3%
Debt ≤ 1 year
€52,769▲
2024 · €33,382
Income taxes
€78,005▲
2024 · €60,170
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet Code20242025
Assets
Total assets20/58€684,345€784,408▲
Fixed assets21/28€55,464€52,520▼
Tangible fixed assets22/27€55,464€52,520▼
Land and buildings22€46,418€41,552▼
Plant, machinery and equipment23€1,969€1,749▼
Furniture and vehicles24€7,077€9,219▲
Current assets29/58€628,882€731,888▲
Amounts receivable within one year40/41€50,206€143,458▲
Trade receivables40€41,912€114,366▲
Other amounts receivable41€8,295€29,093▲
Current investments50/53€200,000-
Cash at bank and in hand54/58€378,381€585,543▲
Deferred charges and accrued income490/1€294€2,887▲
Equity and liabilities
Total equity and liabilities10/49€684,345€784,408▲
Equity10/15€650,189€730,964▲
Contributions10/11€6,200€6,200=
Reserves13€643,989€724,764▲
Tax-exempt reserves132€25,000€25,000=
Distributable reserves133€618,989€699,764▲
Amounts payable17/49€34,157€53,444▲
Amounts payable within one year42/48€33,382€52,769▲
Trade debts44€11,834€13,647▲
Suppliers440/4€11,834€13,647▲
Taxes, remuneration and social security45€21,548€39,122▲
Taxes450/3€18,348€35,922▲
Remuneration and social security454/9€3,200€3,200=
Accrued charges and deferred income492/3€775€675▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,778€11,691▲
Other operating charges640/8€3,063€2,333▼
Gross operating margin9900€218,949€262,922▲
Operating profit (loss)9901€205,108€248,898▲
Financial income75/76B€7€3,479▲
Recurring financial income75€7€3,479▲
Financial charges65/66B€6,343€5,718▼
Recurring financial charges65€6,343€5,718▼
Profit (loss) for the period before taxes9903€198,772€246,660▲
Income taxes67/77€60,170€78,005▲
Profit (loss) for the period9904€138,602€168,655▲
Profit (loss) for the period to be appropriated9905€138,602€168,655▲
Appropriation of the result
Profit (loss) to be appropriated9906€138,602€168,655▲
Transfer from equity791/2€35,000€87,879▲
Transfer to equity691/2€138,602€168,655▲
To other reserves6921€138,602€168,655▲
Profit to be distributed694/7€35,000€87,879▲
Return on contributions (dividend)694€35,000€87,879▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,713€8,215€10,707€10,778€11,691▲ 8.5%
Other operating charges640/8-€1,310€1,195€3,063€2,333▼ 23.8%
Gross operating margin9900€199,871€213,076€205,327€218,949€262,922▲ 20.1%
Operating profit (loss)9901€191,842€203,551€193,425€205,108€248,898▲ 21.3%
Financial income75/76B-€10€10€7€3,479▲ 49,254%
Recurring financial income75€0€10€10€7€3,479▲ 49,254%
Financial charges65/66B-€1,159€1,300€6,343€5,718▼ 9.9%
Recurring financial charges65€1,540€1,159€1,300€6,343€5,718▼ 9.9%
Profit (loss) for the period before taxes9903€190,302€202,402€192,135€198,772€246,660▲ 24.1%
Income taxes67/77€53,694€61,966€56,001€60,170€78,005▲ 29.6%
Profit (loss) for the period9904€136,608€140,436€136,135€138,602€168,655▲ 21.7%
Profit (loss) for the period to be appropriated9905€136,608€140,436€136,135€138,602€168,655▲ 21.7%
Line20212022202320242025Change
Assets
Total assets20/58€389,404€485,006€589,208€684,345€784,408▲ 14.6%
Fixed assets21/28€34,206€76,255€68,303€55,464€52,520▼ 5.3%
Tangible fixed assets22/27€34,206€76,255€68,303€55,464€52,520▼ 5.3%
Land and buildings22-€65,099€55,758€46,418€41,552▼ 10.5%
Plant, machinery and equipment23---€1,969€1,749▼ 11.1%
Furniture and vehicles24-€11,157€12,544€7,077€9,219▲ 30.3%
Current assets29/58€355,198€408,751€520,906€628,882€731,888▲ 16.4%
Amounts receivable within one year40/41€96,086€43,099€41,592€50,206€143,458▲ 186%
Trade receivables40-€43,099€41,592€41,912€114,366▲ 173%
Other amounts receivable41---€8,295€29,093▲ 251%
Current investments50/53---€200,000--
Cash at bank and in hand54/58€259,112€365,583€476,714€378,381€585,543▲ 54.7%
Deferred charges and accrued income490/1-€69€2,600€294€2,887▲ 881%
Equity and liabilities
Total equity and liabilities10/49€389,404€485,006€589,208€684,345€784,408▲ 14.6%
Equity10/15€355,730€446,166€546,587€650,189€730,964▲ 12.4%
Contributions10/11-€6,200€6,200€6,200€6,200=
Reserves13€349,530€439,966€540,387€643,989€724,764▲ 12.5%
Non-distributable reserves130/1-€1,860€1,860---
Reserves not available under the articles1311-€1,860€1,860---
Tax-exempt reserves132-€25,000€25,000€25,000€25,000=
Distributable reserves133-€413,106€513,527€618,989€699,764▲ 13.0%
Amounts payable17/49€33,673€38,840€42,622€34,157€53,444▲ 56.5%
Amounts payable within one year42/48€25,287€38,520€34,110€33,382€52,769▲ 58.1%
Trade debts44€6,365€15,284€18,427€11,834€13,647▲ 15.3%
Suppliers440/4-€15,284€18,427€11,834€13,647▲ 15.3%
Taxes, remuneration and social security45-€19,799€15,070€21,548€39,122▲ 81.6%
Taxes450/3-€19,799€11,870€18,348€35,922▲ 95.8%
Remuneration and social security454/9--€3,200€3,200€3,200=
Other amounts payable47/48-€3,438€613---
Accrued charges and deferred income492/3-€319€8,511€775€675▼ 12.9%
Line20212022202320242025Change
Profit (loss) for the period9904€136,608€140,436€136,135€138,602€168,655▲ 21.7%
+ Depreciation and write-downs630€6,713€8,215€10,707€10,778€11,691▲ 8.5%
Operating cash flow (approximation)€143,321€148,651€146,842€149,380€180,345▲ 20.7%
Investment in fixed assets (approximation)--€50,265-€2,754€2,061-€8,748▼ 524%
Change in cash-€106,471€111,131-€98,333€207,162▲ 311%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-10-2026
2025
30-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial Highest result since 2019net €168,655 ▲21.7%
Operating result €248,898, net result €168,655, both a record.
2024
02-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2023
04-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial Equity above €500,000Eq €546,587 ▲22.5%
5 profitable years in a row build equity to €546,587.
2022
04-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2021
15-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial Liquidity doublescurrent ratio 14.05
Current ratio from 6.85 to 14.05; short-term debt falls from €40,023 to €25,287.
2020
16-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial Liquidity doublescurrent ratio 6.85
Current ratio from 3.12 to 6.85; short-term debt falls from €78,843 to €40,023.
2019
31-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2018
27-09
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2016
26-09
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
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, Zottegem · 1 establishment unit since 2012
seat establishment The establishment unit on the map
Ground area
718 m²
Building footprint
156 m²
Volume, LiDAR
699 m³
Parcel 41013B0719/00F000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JVCON
Oombergenstraat 43, 9620 ZottegemFinancial service activities, except insurance and pension funding
since 20122.209.590.615
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41013B0719/00F000 Flanders 718 m² 1 · 156 m² 6.3 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.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,274 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
Founded18-05-2012
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
64999Other financial services
68110Buying and selling of own real estate
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0846019053
Also 9925:BE0846019053
Registered 31-08-2023

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.