JUVO
ActiveSummary
JUVO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €458k and a net result of €16k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 41% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-1
Solvency60▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.38 in 2024; short-term debt: 61.9% and cash: 14.7% of total assets), but 64.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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
35.4%
Return on assets
1.3%
Age of the figures
15 mo
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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
25 d early
2023
12 d early
2022
7 d early
2021
24 d early
2020
27 d early
2019
86 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, abbreviated schema
Equity
€458k▲ 3.7%
2024 · €442k
2019: €233k
2021: €234k
2022: €346k
2023: €435k
2024: €442k
2019 → 2025
Total assets
€1.29M▼ 1.6%
2024 · €1.31M
2019: €1.05M
2021: €1.19M
2022: €1.46M
2023: €1.59M
2024: €1.31M
2019 → 2025
Net result
€16k▲ 138%
2024 · €7k
2019: €24k
2021: €43k
2022: €112k
2023: €89k
2024: €7k
2019 → 2025
Working capital
€411k▲ 23.0%
2024 · €334k
2019: €134k
2021: €276k
2022: €265k
2023: €327k
2024: €334k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€346k▲ 47.9%€435k▲ 25.6%€442k▲ 1.6%€458k▲ 3.7%
Operating result€155k-€216k▲ 39.2%€186k▼ 13.6%€75k▼ 59.9%€86k▲ 15.7%
Net result€43k-€112k▲ 158%€89k▼ 20.9%€7k▼ 92.3%€16k▲ 138%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.29M
Fixed assets
€82k ▼ 23.7%
Current assets
€1.21M ▲ 0.4%
Equity and liabilities €1.29M
Equity
€458k ▲ 3.7%
Debt
€836k ▼ 4.2%
Debt's share of the balance-sheet total falls from 66.4% to 64.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€128k▲
2024 · €112k
Cash flow
€58k▲
2024 · €44k
Current ratio
1.51▲
2024 · 1.38
Debt to equity
1.83▼
2024 · 1.98
ROE
3.5%▲
2024 · 1.5%
ROA
1.3%▲
2024 · 0.5%
Interest coverage
2.83▼
2024 · 3.03
Debt ≤ 1 year
€801k▼
2024 · €873k
Income taxes
€25k▼
2024 · €31k
Staff costs
€1.71M▼
2024 · €1.89M
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.31M€1.29M▼
Fixed assets21/28€108k€82k▼
Intangible fixed assets21€48k€39k▼
Tangible fixed assets22/27€51k€35k▼
Plant, machinery and equipment23€17k€14k▼
Furniture and vehicles24€34k€22k▼
Financial fixed assets28€8k€8k=
Current assets29/58€1.21M€1.21M▲
Amounts receivable within one year40/41€788k€992k▲
Trade receivables40€744k€942k▲
Other amounts receivable41€44k€50k▲
Cash at bank and in hand54/58€379k€190k▼
Deferred charges and accrued income490/1€40k€29k▼
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.29M▼
Equity10/15€442k€458k▲
Contributions10/11€354k€354k=
Reserves13€88k€104k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€88k€104k▲
Amounts payable17/49€873k€836k▼
Amounts payable within one year42/48€873k€801k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€143k€139k▼
Credit institutions430/8€143k€139k▼
Trade debts44€375k€384k▲
Suppliers440/4€375k€384k▲
Advances received on contracts in progress46€12k€2k▼
Taxes, remuneration and social security45€341k€274k▼
Taxes450/3€74k€71k▼
Remuneration and social security454/9€267k€204k▼
Other amounts payable47/48€3k€2k▼
Accrued charges and deferred income492/3-€35k
Income statement
Code20242025
Remuneration, social security and pensions62€1.89M€1.71M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€41k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€2.00M€1.84M▼
Operating profit (loss)9901€75k€86k▲
Financial income75/76B€24€0▼
Recurring financial income75€24€0▼
Financial charges65/66B€37k€45k▲
Recurring financial charges65€37k€45k▲
Profit (loss) for the period before taxes9903€38k€41k▲
Income taxes67/77€31k€25k▼
Profit (loss) for the period9904€7k€16k▲
Profit (loss) for the period to be appropriated9905€7k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€16k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€7k€16k▲
To other reserves6921€7k€16k▲
Social balance
Average headcount (FTE)908722.922.9=
The notes to these accounts (15 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €7k ▼92.3%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
19-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €112k ▲158%
Operating result €216k, net result €112k, both a record.
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
06-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
09-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
03-11
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
7 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, Herentals · 1 establishment unit since 2008
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.
Augustijnenlaan(HRT) 22200 HerentalsGround area
1,018 m²
Building footprint
946 m²
Volume, LiDAR
7,504 m³
Parcel 13302G0239/00N000, Flanders · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JUVO
since 20082.175.478.386
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302G0239/00N000 | Flanders | 1,018 m² | 1 · 946 m² | 14.8 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 9,216 EUR awarded · 9,216 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,641 EUR | 3,641 EUR |
| 2024 | 1 | 3,891 EUR | 3,891 EUR |
| 2023 | 1 | 762 EUR | 884 EUR |
| 2022 | 1 | 922 EUR | 800 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
549300KOZZZ325Q0GQ64
Similar companies · same sector, comparable size
WINTERS SOFTWARE
BE 0472.066.435
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Hunter & Sable Holdings
BE 0688.859.158
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Informatique et Soins Infirmiers
BE 0438.084.068
Nandrin · Eq €457,284
Bert Viaene
BE 0612.981.008
Maarkedal · Eq €458,243
SWINGDERS
BE 0738.457.238
Evere · Eq €458,463
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 12,330 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
Founded02-12-2008
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
95100Repair and maintenance of computers and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.