Johan Vos is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €78k and a net result of €-26k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 38% of 8018 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 9 filingsDeviation from the deadline
2025
11 d late
2024
27 d late
2023
14 d early
2022
34 d early
2021
16 d late
2020
15 d early
2019
17 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 25.1%
2024 · €103k
2018: €115k
2019: €121k
2020: €88k
2021: €93k
2022: €113k
2023: €133k
2024: €103k
2018 → 2025
Net result
€-26k▲ 11.3%
2024 · €-29k
2018: €59k
2019: €6k
2020: €-33k
2021: €5k
2022: €20k
2023: €8k
2024: €-29k
2018 → 2025
Total assets
€214k▼ 12.0%
2024 · €243k
2018: €134k
2019: €165k
2020: €91k
2021: €276k
2022: €287k
2023: €286k
2024: €243k
2018 → 2025
Solvency
36.3%▼ 6.3pp
2024 · 42.6%
2018: 85.6%
2019: 73.3%
2020: 96.6%
2021: 33.6%
2022: 39.4%
2023: 46.5%
2024: 42.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€113k▲ 21.6%€133k▲ 17.7%€103k▼ 22.1%€78k▼ 25.1%
Operating result€6k-€21k▲ 228%€12k▼ 44.9%€-27k€-24k▲ 11.8%
Net result€5k-€20k▲ 317%€8k▼ 62.4%€-29k€-26k▲ 11.3%
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 €24k in 2025 against €27k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€187k▼ 4.3%
Current assets
€27k▼ 43.9%
Equity and liabilities €214k
Equity
€78k▼ 25.1%
Debt
€136k▼ 2.4%
The debt ratio rises from 57.4% to 63.7%. Equity and debt are lower.
Key figures and ratios
Solvency
36.3%▼
2024 · 42.6%
ROE
-33.5%▼
2024 · -28.3%
ROA
-12.1%▼
2024 · -12.1%
Debt
€136k▼
2024 · €139k
Debt ≤ 1 year
€38k▲
2024 · €31k
Debt > 1 year
€99k▼
2024 · €108k
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€243k€214k▼
Fixed assets21/28€195k€187k▼
Tangible fixed assets22/27€193k€184k▼
Land and buildings22€181k€176k▼
Furniture and vehicles24€12k€9k▼
Financial fixed assets28€3k€3k=
Current assets29/58€48k€27k▼
Amounts receivable within one year40/41€13k€19▼
Trade receivables40€6k-
Other amounts receivable41€8k€19▼
Cash at bank and in hand54/58€34k€27k▼
Deferred charges and accrued income490/1€143-
Equity and liabilities
Total equity and liabilities10/49€243k€214k▼
Equity10/15€103k€78k▼
Contributions10/11€19k€19k=
Reserves13€80k€55k▼
Distributable reserves133€80k€55k▼
Profit (loss) carried forward14€5k€4k▼
Amounts payable17/49€139k€136k▼
Amounts payable after more than one year17€108k€99k▼
Financial debts170/4€108k€99k▼
Amounts payable within one year42/48€31k€38k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€376€268▼
Suppliers440/4€376€268▼
Other amounts payable47/48€21k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€8k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€-10k€-13k▼
Operating profit (loss)9901€-27k€-24k▲
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-29k€-26k▲
Profit (loss) for the period9904€-29k€-26k▲
Profit (loss) for the period to be appropriated9905€-29k€-26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-21k▲
Profit (loss) brought forward from the previous period14P€8k€5k▼
Transfer from equity791/2€26k€25k▼
The notes to these accounts (6 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €113k ▲21.6%
2 profitable years in a row build equity to €113k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-33k ▼652%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 8current ratio 27.02
Current ratio from 3.50 to 27.02; short-term debt falls from €44k to €3k.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Tongeren-Borgloon · 1 establishment unit since 2017
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.
Hamstraat 35A3840 Tongeren-BorgloonGround area
1,473 m²
Building footprint
169 m²
Parcel 73031C0156/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
Johan Vos
since 20172.260.022.794
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73031C0156/00F000 | Flanders | 1,473 m² | 1 · 169 m² | - |
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.
Similar companies · same sector, comparable size
SERTAC
BE 1005.532.781
Kapellen · Eq €78k
WILOW
BE 0791.970.752
Wetteren · Eq €77k
MOORS MANAGEMENT
BE 0826.445.641
Oudsbergen · Eq €78k
Ogma
BE 1014.836.368
Schoten · Eq €77k
EMMECO
BE 0804.113.370
Sint-Lievens-Houtem · Eq €78k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 11,676 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.