VJW 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 €93k and a net result of €12k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 71% of 8006 sector peers (fiscal year 2025). The company has been active since 2015 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 · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
17 d late
2024
7 d early
2023
7 d early
2022
19 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 7.9%
2024 · €86k
2022: €72k
2023: €81k
2024: €86k
2022 → 2025
Net result
€12k▲ 55.5%
2024 · €8k
2022: €29k
2023: €19k
2024: €8k
2022 → 2025
Total assets
€125k▲ 2.2%
2024 · €122k
2022: €129k
2023: €128k
2024: €122k
2022 → 2025
Solvency
74.2%▲ 3.9pp
2024 · 70.2%
2022: 55.9%
2023: 63.1%
2024: 70.2%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€72k-€81k▲ 11.3%€86k▲ 6.3%€93k▲ 7.9%
Operating result€45k-€28k▼ 37.5%€16k▼ 41.7%€20k▲ 22.8%
Net result€29k-€19k▼ 34.1%€8k▼ 59.4%€12k▲ 55.5%
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 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€43k▲ 119%
Current assets
€82k▼ 20.1%
Equity and liabilities €125k
Equity
€93k▲ 7.9%
Debt
€32k▼ 11.4%
The debt ratio falls from 29.8% to 25.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
74.2%▲
2024 · 70.2%
ROE
12.9%▲
2024 · 9.0%
ROA
9.6%▲
2024 · 6.3%
Debt
€32k▼
2024 · €36k
Debt ≤ 1 year
€27k▲
2024 · €27k
Debt > 1 year
€5k▼
2024 · €10k
Income taxes
€7k▼
2024 · €7k
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€122k€125k▲
Fixed assets21/28€20k€43k▲
Tangible fixed assets22/27€20k€24k▲
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€6k€7k▲
Other tangible fixed assets26€8k€13k▲
Financial fixed assets28-€19k
Current assets29/58€103k€82k▼
Amounts receivable after more than one year29€33k€15k▼
Other amounts receivable291€33k€15k▼
Amounts receivable within one year40/41€30k€23k▼
Trade receivables40€23k€20k▼
Other amounts receivable41€7k€3k▼
Cash at bank and in hand54/58€37k€43k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€122k€125k▲
Equity10/15€86k€93k▲
Contributions10/11€500€500=
Reserves13€85k€92k▲
Distributable reserves133€85k€92k▲
Amounts payable17/49€36k€32k▼
Amounts payable after more than one year17€10k€5k▼
Financial debts170/4€10k€5k▼
Amounts payable within one year42/48€27k€27k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43€5k€3k▼
Credit institutions430/8€5k€3k▼
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€3k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€25k€28k▲
Operating profit (loss)9901€16k€20k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€15k€19k▲
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€8k€12k▲
Profit (loss) for the period to be appropriated9905€8k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€12k▲
Transfer from equity791/2€3k€5k▲
Transfer to equity691/2€8k€12k▲
To other reserves6921€8k€12k▲
Profit to be distributed694/7€3k€5k▲
Return on contributions (dividend)694€3k€5k▲
The notes to these accounts (9 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
25-04
State Gazette act
General meeting · Approval
Share class restructuring · Capital increase · Lars HANSEN
2024
31-12
Financial
Weakest financial yearnet €8k ▼59.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2015
18-11
State Gazette act
General meeting · Capital increase
Name change · Registered-office move
Financial milestoneState Gazette actNBB 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, Mol · 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.
Singellaan 152400 MolGround area
722 m²
Building footprint
180 m²
Volume, LiDAR
903 m³
Parcel 13025G0327/00M000, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VJW
since 20152.247.488.317
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13025G0327/00M000 | Flanders | 722 m² | 1 · 180 m² | 9.9 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.
Structure & network
Ownership & control
1 partyVJWBE 0641.718.643
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.