VJE TRADING

Active

Private limited companyfounded 20196 yrs activeSint Achariusstraat 109, 7700 Mouscron, BelgiumKBO/BCE: BE 0736.906.723

The computed 12-month bankruptcy probability of VJE TRADING is 1.8% (moderate). The 2024 annual accounts show equity of €222k and a net result of €31k. Equity is growing by ~35% per year across the filed fiscal years. Its solvency ranks better than 74% of 26053 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

68 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability59▼-41

Solvency87▼-4

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €15k at 30 days acceptable

Liquidity ample (current ratio 2.85 against 3.09 in 2023; short-term debt: 27% and cash: 29.2% of total assets), and 37.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 31

Relative position

BE, all sectors

reference

Sector 31

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-05-2025, 66 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

66 d early

2023

42 d early

2022

40 d early

2021

1 d late

2020

17 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€222k▲ 9.3%

2023 · €203k

2020: €41k 2021: €95k 2022: €144k 2023: €203k

2020 → 2024

Total assets

€358k▲ 16.4%

2023 · €307k

2020: €61k 2021: €141k 2022: €199k 2023: €307k

2020 → 2024

Net result

€31k▼ 59.8%

2023 · €76k

2020: €36k 2021: €53k 2022: €50k 2023: €76k

2020 → 2024

Working capital

€179k▼ 6.9%

2023 · €192k

2020: €32k 2021: €78k 2022: €131k 2023: €192k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€41k-€95k▲ 129%€144k▲ 52.5%€203k▲ 40.6%€222k▲ 9.3%

Operating result€45k-€67k▲ 49.8%€64k▼ 3.6%€99k▲ 53.8%€43k▼ 56.7%

Net result€36k-€53k▲ 46.7%€50k▼ 6.9%€76k▲ 53.6%€31k▼ 59.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 57% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €358k

22.9%

77.1%

Fixed assets €82k▲ 263%

Current assets €276k▼ 3.1%

Equity and liabilities €358k

62.1%

37.9%

Equity €222k▲ 9.3%

Debt €136k▲ 30.2%

The debt ratio rises from 33.9% to 37.9%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€57k▼

2023 · €106k

Cash flow

€45k▼

2023 · €84k

Solvency

62.1%▼

2023 · 66.1%

Current ratio

2.85▼

2023 · 3.09

Quick ratio

1.13▼

2023 · 1.63

Debt / equity

0.61▲

2023 · 0.51

ROE

13.8%▼

2023 · 37.6%

ROA

8.6%▼

2023 · 24.8%

Interest coverage

-1499.55▼

2023 · 49.92

Debt

€136k▲

2023 · €104k

Debt ≤ 1 year

€97k▲

2023 · €92k

Debt > 1 year

€39k▲

2023 · €12k

Income taxes

€12k▼

2023 · €21k

Staff costs

€44k▲

2023 · €25k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€307k€358k▲

Fixed assets21/28€23k€82k▲

Tangible fixed assets22/27€23k€82k▲

Plant, machinery and equipment23€6k€14k▲

Furniture and vehicles24€16k€67k▲

Leasing and similar rights25€1k€970▼

Current assets29/58€285k€276k▼

Stocks and contracts in progress3€134k€167k▲

Stocks30/36€134k€167k▲

Amounts receivable within one year40/41€13k€4k▼

Trade receivables40€11k€1k▼

Other amounts receivable41€2k€3k▲

Cash at bank and in hand54/58€138k€104k▼

Equity and liabilities

Total equity and liabilities10/49€307k€358k▲

Equity10/15€203k€222k▲

Contributions10/11€5k€5k=

Capital10€5k€5k=

Issued capital100€5k€5k=

Profit (loss) carried forward14€198k€217k▲

Amounts payable17/49€104k€136k▲

Amounts payable after more than one year17€12k€39k▲

Financial debts170/4€12k€39k▲

Amounts payable within one year42/48€92k€97k▲

Financial debts43-€14k

Credit institutions430/8-€14k

Trade debts44€5k€14k▲

Suppliers440/4€5k€14k▲

Advances received on contracts in progress46-€4k

Taxes, remuneration and social security45€70k€54k▼

Taxes450/3€65k€46k▼

Remuneration and social security454/9€5k€7k▲

Other amounts payable47/48€18k€12k▼

Income statement Code20232024

Non-recurring operating income76A€4k-

Remuneration, social security and pensions62€25k€44k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€14k▲

Other operating charges640/8€4k€5k▲

Gross operating margin9900€136k€106k▼

Operating profit (loss)9901€99k€43k▼

Financial income75/76B€0€1▲

Recurring financial income75€0€1▲

Financial charges65/66B€2k€-38▼

Recurring financial charges65€2k€-38▼

Profit (loss) for the period before taxes9903€97k€43k▼

Income taxes67/77€21k€12k▼

Profit (loss) for the period9904€76k€31k▼

Profit (loss) for the period to be appropriated9905€76k€31k▼

Appropriation of the result

Profit (loss) to be appropriated9906€216k€229k▲

Profit (loss) brought forward from the previous period14P€139k€198k▲

Profit to be distributed694/7€18k€12k▼

Return on contributions (dividend)694€18k-

Directors or managers695-€12k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

2025

26-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €31k ▼59.8%

Net result drops to €31k, the lowest in the series.

19-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2020net €76k ▲53.6%

Operating result €99k, net result €76k, both a record.

31-12

Financial Equity above €200kEq €203k ▲40.6%

4 profitable years in a row build equity to €203k.

21-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Equity above €100kEq €144k ▲52.5%

3 profitable years in a row build equity to €144k.

01-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 1 day late

2021

17-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 17 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, Mouscron · 1 establishment unit since 2021

establishment approximate The establishment unit on the map

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.

Sint Achariusstraat 1097700 Mouscron

Ground area

436 m²

Building footprint

59 m²

Volume, LiDAR

258 m³

Parcel 54007B0547/00Z002, Wallonia · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

VJE TRADING

Sint Achariusstraat 109, 7700 MouscronManufacture of furniture

since 20212.318.986.720

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
54007B0547/00Z002indicative	Wallonia	436 m²	1 · 59 m²	5.7 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

0 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

Bilzen-Hoeselt · Eq €220k

Lichtervelde · Eq €217k

V Concepts

BE 0841.203.992

Zonhoven · Eq €216k

Of 1,499 companies in sector 31004 we hold annual accounts for 620. 475 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-10-2019

Fiscal year end31-12

Activities, NACEBEL

31004Manufacture of dining room, living room, bedroom and bathroom furniture

47551Retail sale of household furniture

47591Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.