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 50 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JOVANY from Gent, company number BE0479912448, closed financial year 2025 with a result of € 227,835 after tax. For that financial year JOVANY recorded a gross margin of € 2.6 million and equity of € 442,530. Compared with financial year 2024, the result moved from € 286,972 to € 227,835. The company is profitable. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 2, 2026.
€ 442,530
▼ 8% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 227,835
▼ 21% vs 2024
Profit after tax over the fiscal year.
€ 108,905
▼ 46% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 267,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
30.7
▼ 12.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.4 million
▼ 2% vs 2024
€ 45,600 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.
€ 278,473
▼ 21% vs 2024
Of which on lease € 23,985.
Debts at end 2025
€ 10.7 million
▲ 275% vs 2024
€ 626,322 is repaid this year. At this pace the long-term loan is gone in ≈ 15 years.
€ 122,628
▼ 61% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 195,029
▲ 5% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,522,806 | € 2,254,512 | € 2,633,707 | € 2,577,038 | ▼ 2% |
| Profit after taxes | € 232,797 | € 194,884 | € 286,972 | € 227,835 | ▼ 21% |
| Equity | € 766,839 | € 461,723 | € 481,695 | € 442,530 | ▼ 8% |
| Total debts | € 3,352,141 | € 3,596,594 | € 3,914,145 | € 12,497,709 | ▲ 219% |
| Cash | € 35,634 | € 139,656 | € 201,758 | € 108,905 | ▼ 46% |
| Land & buildings | € 3,227,831 | € 3,026,470 | € 3,073,266 | € 10,338,184 | ▲ 236% |
| Retained profit | € -98,161 | € 96,723 | € 116,695 | € 77,530 | ▼ 34% |
| Dividend | € 0 | € 0 | € 267,000 | € 267,000 | |
| Bank debt | € 3,036,703 | € 2,840,567 | € 2,846,557 | € 10,682,655 | ▲ 275% |
| Balance sheet total | € 4,118,981 | € 4,058,317 | € 4,395,840 | € 12,940,240 | ▲ 194% |
| Employees (FTE) | 25.4 | 36.9 | 43.1 | 30.7 | ▼ 12.4 |
Key figures of JOVANY, 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 JOVANY?
What happened at JOVANY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 227,835 (▼ 21% vs 2024). Source: NBB ↗
- Anita Van Loo became a director. NBB
- Harella BV became a director. NBB
- Guido De Smet became a director. NBB
- New establishment in Gent. KBO
- New establishment in Gent. KBO
- Start of the company according to the CBE. KBO
In short
From € 232,797 profit in 2022 to € 227,835 profit in 2025.
Paid € 186,868 in corporate taxes since 2022.
Best year ever: 2024, with € 286,972 profit.
On average € 83,900 of value added per employee in 2025.
Management
Behind JOVANY are Anita Van Loo, Harella BV and Guido De Smet. The shares are held by Anita Van Loo, Harella and Guido De Smet.
Directors
According to the 2025 annual accounts
Anita Van Loo
Director
Is a shareholder
since 2024
Director · represented by Harmony De Smet
since 2024
Guido De Smet
Director
Is a shareholder
since 2024
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kraanlei 39
9000 Gent
Kraanlei 37
9000 Gent
Active since 15 July 2005
Augustijnenkaai 2
9000 Gent
Active since 16 January 2023
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0479.912.448
- VAT number
- BE 0479.912.448
- Registered office
- Kraanlei 39, 9000 Gent
- Names & denominations
- JOVANY
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 April 2003
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Hotels en dergelijke accommodatie
Hotels en motels, met restaurant
Activiteiten van holdings
Activiteiten van uitzendbureaus en andere diensten in verband met personeelsvoorziening
Holdings
Overige accommodatie
Andere vormen van arbeidsbemiddeling
Eetgelegenheden met volledige bediening