Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 12 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JOVAM from Tongeren-Borgloon, company number BE0450410788, closed financial year 2025 with a result of € 62,407 after tax. For that financial year JOVAM recorded a gross margin of € 244,561 and equity of € -222,150. Compared with financial year 2024, the result moved from € 7,230 to € 62,407. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 26, 2026.
€ -222,150
▲ € 62,407 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 62,407
▲ € 55,176 vs 2024
Profit after tax over the fiscal year.
€ 12
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -440,742.
People and assets in 2025
2.8
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 108,304
▼ 1% vs 2024
€ 38,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 682
▼ 82% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 179,403
▼ 22% vs 2024
€ 29,403 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 3,864
▼ 88% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 5,412
▼ 79% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 141,844 | € 184,755 | € 212,997 | € 244,561 | ▲ 15% |
| Profit after taxes | € -61,597 | € -32,233 | € 7,230 | € 62,407 | ▲ € 55,176 |
| Equity | € -259,554 | € -291,788 | € -284,557 | € -222,150 | ▲ € 62,407 |
| Total debts | € 758,342 | € 694,336 | € 691,965 | € 608,442 | ▼ 12% |
| Cash | - | - | - | € 12 | |
| Land & buildings | € 222,078 | € 180,552 | € 139,027 | € 97,501 | ▼ 30% |
| Retained profit | € -478,146 | € -510,380 | € -503,149 | € -440,742 | ▲ € 62,407 |
| Bank debt | € 321,617 | € 247,512 | € 229,347 | € 179,403 | ▼ 22% |
| Balance sheet total | € 498,787 | € 402,548 | € 407,408 | € 386,292 | ▼ 5% |
| Employees (FTE) | 3.6 | 4.8 | 2.7 | 2.8 | ▲ 0.1 |
Key figures of JOVAM, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to JOVAM?
What happened at JOVAM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 62,407 (▲ € 55,176 vs 2024). Source: NBB ↗
- New establishment in Tongeren-Borgloon. KBO
- Start of the company according to the CBE. KBO
In short
From € 61,597 loss in 2022 to € 62,407 profit in 2025.
Best year ever: 2025, with € 62,407 profit.
On average € 87,300 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Jos Vanderleyden
Director
Establishments
Establishment units
Physical locations of this company
Oude Truierbaan 57
3840 Tongeren-Borgloon
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0450.410.788
- VAT number
- BE 0450.410.788
- Registered office
- Oude Truierbaan 57, 3840 Tongeren-Borgloon
- Names & denominations
- JOVAM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 June 1993
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
Teelt van pit- en steenvruchten
Fruitteelt
Groothandel in groenten en fruit, muv consumptieaardappelen
Groothandel in groenten en fruit
Handelsbemiddeling in de groothandel in landbouwgrondstoffen, levende dieren en textielgrondstoffen en halffabricaten
Detailhandel in groenten en fruit
Handelsbemiddeling in landbouwproducten, levende dieren, textielgrondstoffen en halffabrikaten