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jVision.io

Active
Hauptstrasse 97 ·4780 Sankt Vith, Belgium
KBO/BCE: BE 0770.284.423
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age5 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of jVision.io is 1.7% (moderate). The 2025 annual accounts show equity of €80k and a net result of €17k. Equity is growing by ~26.7% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-12-2025, 58 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 04-12-2025 58 d early 2025-00576003
30-06-2024 31-01-2025 20-12-2024 42 d early 2024-00622510
30-06-2023 31-01-2024 16-12-2023 46 d early 2023-00529089
30-06-2022 31-01-2023 26-01-2023 5 d early 2023-00004829

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.7% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€17k+28.6%
Working capital€62k+29.9%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 04-12-2025 with the NBB · fiscal year 2025 · ander
€0€10k€20kOperating result 2022: €20k€20kNet result 2022: €15k€15kOperating result 2023: €20k€20kNet result 2023: €15k€15kOperating result 2024: €19k€19kNet result 2024: €13k€13kOperating result 2025: €24k€24kNet result 2025: €17k€17k2022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~26.7%/year over 4 fiscal years, indicative, assuming unchanged policy.
€25k€50k€75k€100k€125k2026: €94k (€88k - €100k)2027: €109k (€103k - €115k)2028: €124k (€118k - €130k)2022: €35k2023: €49k2024: €63k2025: €80k2022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA
€25k
+27.5% 22-25
Net profit
€17k
+28.6% 22-25
Cash flow
€18k
+27.1% 22-25
Total assets
€80k
+27.2% 22-25
Equity
€80k
+27.6% 22-25
Working capital
€62k
+29.9% 22-25
Income taxes
€6k
+28.6% 22-25
Debt
€196
+130.5% 22-25
Debt ≤ 1y
€196
+130.5% 22-25
Current ratio
316.08
-43.5% 22-25
Quick ratio
316.08
-40.5% 22-25
Solvency
100.0%
+0.3% 22-25
Debt / equity
0.00
+81.0% 22-25
ROE
21.6%
+0.8% 22-25
ROA
21.6%
+1.1% 22-25
Interest coverage
566.00
+14.3% 22-25
Figures by fiscal year
Fiscal year2025
Depositander
Revenue-
EBITDA€25k
Net profit€17k
Cash flow€18k
Staff costs-
Income taxes€6k
Dividends-
Total assets€80k
Equity€80k
Debt-
of which ≤ 1y-
of which > 1y-
Working capital-
Employees (FTE)-
Ratios (computed)
2025
Current ratio-
Quick ratio-
Working capital ratio-
Solvency100.0%
Debt / equity-
Long-term debt ratio-
Interest coverage566.00
Gross margin-
Net margin-
ROA21.6%
ROE21.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€80k
Fixed assets 21/28€653
Tangible fixed assets 22/27€153
Financial fixed assets 28€500
Current assets 29/58€79k
Amounts receivable within one year 40/41€1k
Cash & bank 54/58€78k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€80k
Equity 10/15€80k
Contributions / capital 10/11€20k
Reserves 13€60k
Accumulated profits (losses) 14€2
Income statement
Gross operating margin 9900€25k
Operating result 9901€24k
Financial charges 65€44
Result before taxes 9903€24k
Income taxes 67/77€6k
Net result for the period 9904€17k
Result to be appropriated 9905€17k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
76 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Hauptstrasse 974780 Sankt Vith

Establishment units

1 location
jVision.io
Hauptstrasse 97, 4780 Sankt VithOntwerpen en programmeren van computerprogramma's
since 20212.319.801.025
Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health76Profitability100Solvency100Growth78Stability94
90 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 76
Profitability 100
Solvency 100
Growth 78
Stability 94

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
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Primary activity highlighted.
Names & trade names
Legal nameDE jVision.io
Registered office
Hauptstrasse 97
4780 Sankt Vith, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.