Summary
JAVAND 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 €357k and a net result of €77k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 57% of 8023 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
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 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
4 d early
2024
46 d early
2023
1 d early
2022
5 d early
2021
on the day
2020
2 d early
2019
1 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€357k▼ 6.0%
2024 · €380k
2019: €253k
2020: €332k
2021: €394k
2022: €299k
2023: €384k
2024: €380k
2019 → 2025
Net result
€77k▼ 4.4%
2024 · €81k
2019: €240k
2020: €79k
2021: €56k
2022: €104k
2023: €85k
2024: €81k
2019 → 2025
Total assets
€599k▼ 4.1%
2024 · €624k
2019: €513k
2020: €605k
2021: €626k
2022: €528k
2023: €563k
2024: €624k
2019 → 2025
Solvency
59.7%▼ 1.2pp
2024 · 60.9%
2019: 49.2%
2020: 54.9%
2021: 63.0%
2022: 56.6%
2023: 68.1%
2024: 60.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€394k-€299k▼ 24.2%€384k▲ 28.5%€380k▼ 1.1%€357k▼ 6.0%
Operating result€68k-€140k▲ 105%€115k▼ 17.8%€103k▼ 10.4%€102k▼ 0.6%
Net result€56k-€104k▲ 86.5%€85k▼ 18.5%€81k▼ 5.0%€77k▼ 4.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €599k
Fixed assets
€481k ▼ 1.1%
Current assets
€117k ▼ 14.7%
Equity and liabilities €599k
Equity
€357k ▼ 6.0%
Debt
€241k ▼ 1.1%
Debt's share of the balance-sheet total rises from 39.1% to 40.3%. Equity and debt are lower.
Key figures and ratios
ROE
21.7%▲
2024 · 21.3%
ROA
12.9%▼
2024 · 13.0%
Debt ≤ 1 year
€154k▲
2024 · €132k
Debt > 1 year
€88k▼
2024 · €112k
Income taxes
€26k▼
2024 · €27k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€624k€599k▼
Fixed assets21/28€486k€481k▼
Tangible fixed assets22/27€48k€43k▼
Land and buildings22€48k€43k▼
Financial fixed assets28€438k€438k=
Current assets29/58€138k€117k▼
Amounts receivable within one year40/41€121k€105k▼
Trade receivables40€48k€39k▼
Other amounts receivable41€73k€65k▼
Current investments50/53€0-
Cash at bank and in hand54/58€16k€13k▼
Equity and liabilities
Total equity and liabilities10/49€624k€599k▼
Equity10/15€380k€357k▼
Contributions10/11€19k€19k=
Reserves13€361k€339k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€361k€339k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€244k€241k▼
Amounts payable after more than one year17€112k€88k▼
Financial debts170/4€112k€88k▼
Amounts payable within one year42/48€132k€154k▲
Current portion of amounts payable after more than one year42€24k€26k▲
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€32k€30k▼
Taxes450/3€32k€30k▼
Other amounts payable47/48€72k€85k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€108k€109k▲
Operating profit (loss)9901€103k€102k▼
Financial income75/76B€7k€4k▼
Recurring financial income75€7k€4k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€108k€104k▼
Income taxes67/77€27k€26k▼
Profit (loss) for the period9904€81k€77k▼
Profit (loss) for the period to be appropriated9905€81k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€77k▼
Transfer from equity791/2€85k€100k▲
Transfer to equity691/2€81k€77k▼
To other reserves6921€81k€77k▼
Profit to be distributed694/7€85k€100k▲
Return on contributions (dividend)694€85k€100k▲
The notes to these accounts (7 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity doublescurrent ratio 2.87
Current ratio from 1.30 to 2.87; short-term debt falls from €69k to €44k.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €56k ▼29.4%
Net result drops to €56k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity times 9current ratio 2.51
Current ratio from 0.29 to 2.51; short-term debt falls from €261k to €67k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Veurne · 2 establishment units since 2018
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.
Zwarte Nonnenstraat 178630 VeurneGround area
1,165 m²
Building footprint
906 m²
Volume, LiDAR
5,809 m³
2 parcels, Flanders · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
JAVAND
since 20182.283.813.332
De Klas Directie
since 20222.336.852.932
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025A0606/02N004 | Flanders | 733 m² | 1 · 730 m² | 14.7 m · 1 fl. |
| 38025A0293/00K000 | Flanders | 432 m² | 1 · 176 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
GCorp
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JOTHICO
BE 0810.407.482
Kortrijk · Eq €357,344
Bolavi
BE 0719.790.577
Maldegem · Eq €357,346
BeiNControl
BE 0767.600.491
As · Eq €357,420
WEMOB
BE 0679.580.119
Chaudfontaine · Eq €356,800
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,778 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 formPrivate limited company
Founded21-12-2018
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.