JCV
ActiveThe computed 12-month bankruptcy probability of JCV is 2.7% (moderate). The 2025 annual accounts show negative equity (€-5k) and a net result of €-8k. Equity is shrinking by ~48% per year across the filed fiscal years. Its solvency ranks better than 16% of 18281 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
18
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency3▼-35
Growth32=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.74 against 1.13 in 2024; short-term debt: 117% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-21.9%
Return on assets
-36.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
61 d late
2022
220 d late
2021
31 d late
2020
143 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-5k
2024 · €3k
2020: €18k
2021: €19k
2022: €15k
2023: €7k
2024: €3k
2020 → 2025
Total assets
€23k▼ 11.4%
2024 · €26k
2020: €48k
2021: €48k
2022: €41k
2023: €28k
2024: €26k
2020 → 2025
Net result
€-8k▼ 110%
2024 · €-4k
2020: €15k
2021: €2k
2022: €-4k
2023: €-8k
2024: €-4k
2020 → 2025
Working capital
€-7k
2024 · €3k
2020: €18k
2021: €19k
2022: €9k
2023: €3k
2024: €3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€15k▼ 23.1%€7k▼ 50.6%€3k▼ 54.5%€-5k
Operating result€3k-€978▼ 71.4%€-7k€-4k▲ 48.2%€-8k▼ 113%
Net result€2k-€-4k€-8k▼ 68.0%€-4k▲ 46.7%€-8k▼ 110%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€3k▼ 10.0%
Current assets
€20k▼ 11.6%
Key figures and ratios
EBITDA
€-8k▼
2024 · €-3k
Cash flow
€-8k▼
2024 · €-3k
Solvency
-21.9%▼
2024 · 12.7%
Current ratio
0.74▼
2024 · 1.13
Quick ratio
0.74▼
2024 · 1.13
Debt / equity
-5.57▼
2024 · 6.84
ROA
-36.3%▼
2024 · -15.3%
Interest coverage
-39.69▼
2024 · -16.97
Debt
€28k▲
2024 · €23k
Debt ≤ 1 year
€27k▲
2024 · €20k
Debt > 1 year
€1k▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€26k€23k▼
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€57€3k▲
Furniture and vehicles24€3k-
Current assets29/58€23k€20k▼
Amounts receivable within one year40/41€10k€7k▼
Trade receivables40€10k€6k▼
Other amounts receivable41€25€1k▲
Current investments50/53€13k€13k▲
Equity and liabilities
Total equity and liabilities10/49€26k€23k▼
Equity10/15€3k€-5k▼
Contributions10/11€3k€3k=
Reserves13€16k€16k=
Non-distributable reserves130/1€300€300=
Other1319€300€300=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€-16k€-24k▼
Amounts payable17/49€23k€28k▲
Amounts payable after more than one year17€3k€1k▼
Financial debts170/4€3k€1k▼
Amounts payable within one year42/48€20k€27k▲
Current portion of amounts payable after more than one year42€2k€2k=
Financial debts43€2k€2k▼
Credit institutions430/8€2k€2k▼
Trade debts44-€6k
Suppliers440/4-€6k
Taxes, remuneration and social security45€13-
Taxes450/3€13-
Other amounts payable47/48€16k€18k▲
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€414▼
Other operating charges640/8€248€155▼
Gross operating margin9900€-2k€-8k▼
Operating profit (loss)9901€-4k€-8k▼
Financial income75/76B€9€3▼
Recurring financial income75€9€3▼
Financial charges65/66B€148€197▲
Recurring financial charges65€148€197▲
Profit (loss) for the period before taxes9903€-4k€-8k▼
Profit (loss) for the period9904€-4k€-8k▼
Profit (loss) for the period to be appropriated9905€-4k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-24k▼
Profit (loss) brought forward from the previous period14P€-12k€-16k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 220 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 143 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zonhoven · 1 establishment unit since 2019
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.
Kremerstraat 63520 ZonhovenGround area
775 m²
Building footprint
170 m²
Volume, LiDAR
741 m³
Parcel 71442C0683/00F000, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JCV
since 20192.291.219.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442C0683/00F000 | Flanders | 775 m² | 1 · 170 m² | 7.6 m · 1 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.
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Of 910 companies in sector 47793 we hold annual accounts for 161. 52 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2019
Fiscal year end31-12
Activities, NACEBEL
47793Retail sale of other second-hand goods, excluding clothing
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.