JVRL Immo

Active

Private limited companyfounded 20206 yrs activeAvenue Isabelle Blume(G.) 23, 7011 Mons, BelgiumKBO/BCE: BE 0746.508.436

Summary

JVRL Immo has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118,363 and a net result of €34,197. Equity is growing by ~54.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 15312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

JVRL ImmoActiveChecked score 88/100

Risk analysis Report Compare

Activity

Renting and operating of own or leased residential real estate, excluding social housing

NACE 68201

1 site

Size

€1.0mtotal assets 2025

Equity: €118,363
Profit: €34,197

Turnover not published (abridged schema)

Financial health

88 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Accounts filed 31 d late0 of 4 deeds read

Why 88- Latest accounts 31 days late; 1 of the last 3 late+ Size: total assets €1.0m+ Sector Real estate activities (NACE 68)+ Figures for FY 2025 (filed 31-08-2026)Show the evidence

Checked score

Score 2025

88 / 100

Excellent

Probability in this band: under 0.55%

Better than 54% of its sector peers (NACE 68, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 36+3

equity 11.4% of total assets

Liquidity 41+8

short-term debt 38.1% · cash 6.5%

Profitability 73+1

return on assets 3.3%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,360 companies)

Last 16 months 07-2025: 0.3% 08-2025: 0.5%▲ +56.9% vs 07-2025 09-2025: 0.5%▼ -8.4% vs 08-2025 10-2025: 0.5%▼ -0.4% vs 09-2025 11-2025: 0.5%▲ +2.9% vs 10-2025 12-2025: 0.5%▼ -0.9% vs 11-2025 01-2026: 0.5%● 0.0% vs 12-2025 02-2026: 0.5%● 0.0% vs 01-2026 03-2026: 0.5%● 0.0% vs 02-2026 04-2026: 0.5%▲ +2.4% vs 03-2026 05-2026: 0.5%▲ +4.0% vs 04-2026 06-2026: 0.5%▲ +2.4% vs 05-2026 07-2026: 0.5%▼ -1.0% vs 06-2026 08-2026: 0.8%▲ +67.9% vs 07-2026highest value 09-2026: 0.2%▼ -70.9% vs 08-2026 10-2026: 0.2%▼ -0.4% vs 09-2026lowest value

Size: total assets €1.0m lowers the probability for this profile
Sector Real estate activities (NACE 68) lowers the probability
Latest accounts 31 days late; 1 of the last 3 late raises the probability
Figures for FY 2025 (filed 31-08-2026) lowers the probability

Credit up to €10,000 at 30 days acceptable

Liquidity short (current ratio 0.22 against 0.14 in 2024; short-term debt: 38.1% and cash: 6.5% of total assets), and 88.6% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 32%, liquidity 34%, profitability 66%, growth against the median 84%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €1.0m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Sector Real estate activities (NACE 68)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts 31 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Figures for FY 2025 (filed 31-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 6 filings

Deviation from the deadline

2025

31 d late

2024

26 d late

2023

12 d late

2022

25 d late

2021

30 d late

2020

39 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 26 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

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