FINVOL JOTA
ActiveSummary
FINVOL JOTA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €705k and a net result of €6k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 95% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+33
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 25.04 against 37.01 in 2024; short-term debt: 1.5% of total assets), and 1.5% 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.5%
Return on assets
0.8%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
21 d early
2023
5 d early
2022
5 d early
2021
4 d early
2020
46 d late
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€705k▲ 0.8%
2024 · €699k
2018: €99k
2019: €52k
2020: €747k
2021: €726k
2022: €712k
2023: €701k
2024: €699k
2018 → 2025
Total assets
€716k▲ 1.0%
2024 · €709k
2018: €855k
2019: €765k
2020: €1.03M
2021: €925k
2022: €814k
2023: €705k
2024: €709k
2018 → 2025
Net result
€6k
2024 · €-2k
2018: €-96k
2019: €-47k
2020: €-105k
2021: €-21k
2022: €-14k
2023: €-11k
2024: €-2k
2018 → 2025
Working capital
€258k▲ 80.5%
2024 · €143k
2018: €-734k
2019: €-698k
2020: €-268k
2021: €-177k
2022: €-76k
2023: €26k
2024: €143k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€726k-€712k▼ 1.9%€701k▼ 1.6%€699k▼ 0.2%€705k▲ 0.8%
Operating result€-16k-€-11k▲ 32.5%€-9k▲ 16.9%€-4k▲ 56.5%€2k
Net result€-21k-€-14k▲ 32.1%€-11k▲ 21.2%€-2k▲ 85.0%€6k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €4k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €716k
Fixed assets
€448k ▼ 20.4%
Current assets
€268k ▲ 82.9%
Equity and liabilities €716k
Equity
€705k ▲ 0.8%
Debt
€11k ▲ 14.8%
Debt's share of the balance-sheet total rises from 1.3% to 1.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€117k▲
2024 · €110k
Cash flow
€120k▲
2024 · €113k
Current ratio
25.04▼
2024 · 37.01
Debt to equity
0.02▲
2024 · 0.01
ROE
0.8%▲
2024 · -0.2%
ROA
0.8%▲
2024 · -0.2%
Interest coverage
1111.02
Debt ≤ 1 year
€11k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€709k€716k▲
Fixed assets21/28€562k€448k▼
Tangible fixed assets22/27€562k€448k▼
Land and buildings22€562k€448k▼
Current assets29/58€147k€268k▲
Amounts receivable within one year40/41€131k€247k▲
Trade receivables40€12k€22k▲
Other amounts receivable41€119k€225k▲
Deferred charges and accrued income490/1€16k€21k▲
Equity and liabilities
Total equity and liabilities10/49€709k€716k▲
Equity10/15€699k€705k▲
Contributions10/11€1.06M€1.06M=
Capital10€1.06M€1.06M=
Issued capital100€1.06M€1.06M=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Profit (loss) carried forward14€-363k€-357k▲
Amounts payable17/49€9k€11k▲
Amounts payable within one year42/48€4k€11k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Other amounts payable47/48-€6k
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114k€114k=
Other operating charges640/8€2k€709▼
Gross operating margin9900€112k€117k▲
Operating profit (loss)9901€-4k€2k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B-€105
Recurring financial charges65-€105
Profit (loss) for the period before taxes9903€-2k€6k▲
Profit (loss) for the period9904€-2k€6k▲
Profit (loss) for the period to be appropriated9905€-2k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-363k€-357k▲
Profit (loss) brought forward from the previous period14P€-362k€-363k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Back to profitnet €6k
Net result €6k after 7 loss-making years.
09-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Liquidity quadruplescurrent ratio 37.01
Current ratio from 9.88 to 37.01.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Liquidity times 42current ratio 9.88
Current ratio from 0.24 to 9.88; short-term debt falls from €99k to €3k.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 46 days late
2020
30-09
Financial
Weakest financial yearnet €-105k
Net result drops to €-105k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €500kEq €747k ▲1327%
Equity rises from €52k to €747k.
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-03
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.
Directors · office · real estate
Directors
5 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, Deinze · 1 establishment unit since 2011
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.
Kapellestraat 709800 DeinzeGround area
1.4 ha
Building footprint
5,431 m²
Volume, LiDAR
112,078 m³
Parcel 44004C0214/00B002, Flanders · tallest building 42.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
FINVOL JOTA
since 20112.203.327.878
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44004C0214/00B002 | Flanders | 1.4 ha | 1 · 5,431 m² | 42.1 m · 7 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.
Similar companies · same sector, comparable size
COMPTOIR DES TROIS FRONTIERES
BE 0449.630.434
Bastogne · Eq €696k
JONCKERS
BE 0458.572.448
Kortenaken · Eq €719k
MOULIN D'ARC
BE 0463.333.465
Frasnes-lez-Anvaing · Eq €691k
AGRO HERENTHOUT
BE 0819.863.695
Herenthout · Eq €723k
Etablissements VAN MELLO
BE 0415.699.933
Lessines · Eq €686k
Of 689 companies in sector 46216 we hold annual accounts for 476. 398 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-09-2011
Fiscal year end30-09
Activities, NACEBEL 2025
46216Wholesale of agricultural produce and animal feed, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.