JVH ACCOUNTANTS
ActiveSummary
JVH ACCOUNTANTS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €34k and a net result of €71k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 13% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency40▼-60
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 9.1 in 2023; short-term debt: 85.4% and cash: 17.7% of total assets), and 85.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
14.6%
Return on assets
30.4%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 15367 sector peers (2024).
NBB · sector comparisonPosition among 15367 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-03-2025, 138 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
138 d early
2023
25 d early
2022
29 d early
2021
28 d early
2020
30 d early
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€34k▼ 76.9%
2023 · €148k
2018: €86k
2019: €122k
2020: €156k
2021: €101k
2022: €157k
2023: €148k
2018 → 2024
Total assets
€234k▲ 40.4%
2023 · €166k
2018: €106k
2019: €184k
2020: €208k
2021: €136k
2022: €190k
2023: €166k
2018 → 2024
Net result
€71k▲ 62.1%
2023 · €44k
2018: €41k
2019: €30k
2020: €34k
2021: €45k
2022: €57k
2023: €44k
2018 → 2024
Working capital
€34k▼ 76.9%
2023 · €148k
2018: €86k
2019: €136k
2020: €171k
2021: €117k
2022: €163k
2023: €148k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€156k-€101k▼ 35.0%€157k▲ 55.5%€148k▼ 5.8%€34k▼ 76.9%
Operating result€45k-€60k▲ 32.5%€75k▲ 25.0%€55k▼ 26.5%€89k▲ 61.9%
Net result€34k-€45k▲ 32.3%€57k▲ 25.2%€44k▼ 23.0%€71k▲ 62.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 62% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €234k
Equity
€34k ▼ 76.9%
Debt
€199k ▲ 990%
Debt's share of the balance-sheet total rises from 11.0% to 85.4%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.17▼
2023 · 9.10
Debt to equity
5.83▲
2023 · 0.12
ROE
207.6%▲
2023 · 29.6%
ROA
30.4%▲
2023 · 26.3%
Debt ≤ 1 year
€199k▲
2023 · €18k
Income taxes
€20k▲
2023 · €13k
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 · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€166k€234k▲
Current assets29/58€166k€234k▲
Amounts receivable within one year40/41-€10k
Trade receivables40-€10k
Current investments50/53€100k€180k▲
Cash at bank and in hand54/58€64k€41k▼
Deferred charges and accrued income490/1€2k€2k=
Equity and liabilities
Total equity and liabilities10/49€166k€234k▲
Equity10/15€148k€34k▼
Contributions10/11€19k€19k=
Reserves13€130k€16k▼
Distributable reserves133€130k€16k▼
Amounts payable17/49€18k€199k▲
Amounts payable within one year42/48€18k€199k▲
Current portion of amounts payable after more than one year42€6k-
Trade debts44€1k€720▼
Suppliers440/4€1k€720▼
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€11k€11k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48-€186k
Income statement
Code20232024
Other operating charges640/8€2k€1k▼
Gross operating margin9900€57k€90k▲
Operating profit (loss)9901€55k€89k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€135€63▼
Recurring financial charges65€135€63▼
Profit (loss) for the period before taxes9903€56k€91k▲
Income taxes67/77€13k€20k▲
Profit (loss) for the period9904€44k€71k▲
Profit (loss) for the period to be appropriated9905€44k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€71k▲
Transfer from equity791/2€53k€114k▲
Transfer to equity691/2€44k-
To other reserves6921€44k-
Profit to be distributed694/7€53k€185k▲
Return on contributions (dividend)694€53k€185k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €71k ▲62.1%
Operating result €89k, net result €71k, both a record.
06-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €157k ▲55.5%
5 profitable years in a row build equity to €157k.
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €156k ▲27.5%
3 profitable years in a row build equity to €156k.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €30k ▼25.8%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €122k ▲41.3%
2 profitable years in a row build equity to €122k.
10-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Tessenderlo-Ham · 1 establishment unit since 2015
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.
Wasseven 63945 Tessenderlo-HamGround area
1,319 m²
Building footprint
226 m²
Volume, LiDAR
1,238 m³
Parcel 71046A1246/00B002, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JVH Accountants BV
since 20152.241.824.111
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71046A1246/00B002 | Flanders | 1,319 m² | 1 · 226 m² | 8.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,804 EUR awarded · 2,680 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 480 EUR | 420 EUR |
| 2024 | 1 | 794 EUR | 794 EUR |
| 2023 | 1 | 793 EUR | 939 EUR |
| 2022 | 1 | 737 EUR | 527 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,378 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
Founded07-05-2015
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.