Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 15 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JOVAMCO from Beringen, company number BE0448720515, closed financial year 2025 with a result of € 5,114 after tax. For that financial year JOVAMCO recorded a gross margin of € 22,489 and equity of € 21,666. Compared with financial year 2024, the result moved from € 11,972 to € 5,114. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ 21,666
▲ 31% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 5,114
▼ 57% vs 2024
Profit after tax over the fiscal year.
€ 19,733
▲ 20% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -59,321.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 6,394
▼ 24% vs 2024
€ 2,092 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 46
▼ 46% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 5,812 | € 7,024 | € 24,296 | € 22,489 | ▼ 7% |
| Profit after taxes | € -7,130 | € -4,753 | € 11,972 | € 5,114 | ▼ 57% |
| Equity | € 9,332 | € 4,580 | € 16,552 | € 21,666 | ▲ 31% |
| Total debts | € 147,534 | € 146,122 | € 142,514 | € 141,481 | ▼ 1% |
| Cash | € 7,859 | € 8,362 | € 16,405 | € 19,733 | ▲ 20% |
| Land & buildings | € 138,818 | € 136,700 | € 137,152 | € 142,699 | ▲ 4% |
| Retained profit | € -71,654 | € -76,407 | € -64,435 | € -59,321 | ▲ € 5,114 |
| Bank debt | € 12,442 | € 10,463 | € 8,447 | € 6,394 | ▼ 24% |
| Balance sheet total | € 156,867 | € 150,702 | € 159,067 | € 163,147 | ▲ 3% |
Key figures of JOVAMCO, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to JOVAMCO?
What happened at JOVAMCO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 5,114 (▼ 57% vs 2024). Source: NBB ↗
- New establishment in Beringen. KBO
- Start of the company according to the CBE. KBO
In short
From € 7,130 loss in 2022 to € 5,114 profit in 2025.
Best year ever: 2024, with € 11,972 profit.
Management
Behind JOVAMCO is Jan Frederik Vanhamel.
Directors
According to the 2025 annual accounts
Jan Frederik Vanhamel
Director
Establishments
Establishment units
Physical locations of this company
Brugstraat 24
3580 Beringen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0448.720.515
- VAT number
- BE 0448.720.515
- Registered office
- Brugstraat 24, 3580 Beringen
- Names & denominations
- JOVAMCO
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 20 November 1992
- Peppol
- Active · Active since 16 Oct 2024
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen