JVb
ActiveSummary
The computed 12-month bankruptcy probability of JVb is 2.3% (moderate). The 2025 annual accounts show equity of €100k and a net result of €24k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 4603 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 10.95 against 6.83 in 2024; short-term debt: 9.1% and cash: 91.8% of total assets), and 9.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90.9%
Return on assets
21.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
36 d early
2023
43 d early
2022
46 d early
2021
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 31.5%
2024 · €76k
2021: €30k
2022: €42k
2023: €57k
2024: €76k
2021 → 2025
Total assets
€110k▲ 23.7%
2024 · €89k
2021: €42k
2022: €50k
2023: €69k
2024: €89k
2021 → 2025
Net result
€24k▲ 30.5%
2024 · €18k
2021: €29k
2022: €13k
2023: €15k
2024: €18k
2021 → 2025
Working capital
€99k▲ 32.4%
2024 · €75k
2021: €26k
2022: €42k
2023: €57k
2024: €75k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€42k▲ 41.9%€57k▲ 35.5%€76k▲ 31.8%€100k▲ 31.5%
Operating result€43k-€17k▼ 59.4%€21k▲ 20.6%€27k▲ 29.9%€35k▲ 29.9%
Net result€29k-€13k▼ 56.7%€15k▲ 20.3%€18k▲ 21.5%€24k▲ 30.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€524 ▼ 41.6%
Current assets
€109k ▲ 24.4%
Equity and liabilities €110k
Equity
€100k ▲ 31.5%
Debt
€10k ▼ 22.4%
Debt's share of the balance-sheet total falls from 14.5% to 9.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▲
2024 · €28k
Cash flow
€24k▲
2024 · €19k
Current ratio
10.95▲
2024 · 6.83
Debt to equity
0.10▼
2024 · 0.17
ROE
24.0%▼
2024 · 24.2%
ROA
21.8%▲
2024 · 20.7%
Interest coverage
519.59▲
2024 · 423.69
Debt ≤ 1 year
€10k▼
2024 · €13k
Income taxes
€12k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€89k€110k▲
Fixed assets21/28€898€524▼
Tangible fixed assets22/27€898€524▼
Furniture and vehicles24€898€524▼
Current assets29/58€88k€109k▲
Amounts receivable within one year40/41€9k€9k▼
Trade receivables40€9k€9k▼
Cash at bank and in hand54/58€79k€101k▲
Equity and liabilities
Total equity and liabilities10/49€89k€110k▲
Equity10/15€76k€100k▲
Contributions10/11€1k€1k=
Reserves13€75k€99k▲
Distributable reserves133€75k€99k▲
Profit (loss) carried forward14€89€171▲
Amounts payable17/49€13k€10k▼
Amounts payable within one year42/48€13k€10k▼
Trade debts44€831€2k▲
Suppliers440/4€831€2k▲
Taxes, remuneration and social security45€12k€8k▼
Taxes450/3€10k€6k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€8€166▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€225€374▲
Other operating charges640/8€561€644▲
Gross operating margin9900€28k€36k▲
Operating profit (loss)9901€27k€35k▲
Financial charges65/66B€65€69▲
Recurring financial charges65€65€69▲
Profit (loss) for the period before taxes9903€27k€35k▲
Income taxes67/77€9k€12k▲
Profit (loss) for the period9904€18k€24k▲
Profit (loss) for the period to be appropriated9905€18k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€24k▲
Profit (loss) brought forward from the previous period14P€84€89▲
Transfer to equity691/2€18k€24k▲
To other reserves6921€18k€24k▲
The notes to these accounts (4 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €13k ▼56.7%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 6.78
Current ratio from 3.03 to 6.78; short-term debt falls from €13k to €7k.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Geel · 1 establishment unit since 2020
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.
Smallerijt 52440 GeelGround area
2,003 m²
Building footprint
188 m²
Volume, LiDAR
971 m³
Parcel 13375N0851/00P000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JVb
since 20202.300.743.196
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375N0851/00P000 | Flanders | 2,003 m² | 1 · 188 m² | 7.4 m · 2 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.
Similar companies · same sector, comparable size
NAJAH
BE 0886.513.682
Brussel · Eq €99,704
N&D LOGISTICS
BE 0752.837.982
Brussel · Eq €99,744
GUNNATRA
BE 0424.940.766
Izegem · Eq €99,536
M.G. INTERNATIONAL TRANSPORT
BE 0898.791.409
Antwerpen · Eq €99,811
ECO MODAL ROAD TRANSPORT
BE 0845.474.269
Stekene · Eq €99,817
Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 6,343 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2020
Fiscal year end30-09
Activities, NACEBEL 2025
49410Freight transport by road
95316Washing and cleaning of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.