CATHERINE JUPRELLE 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 €296k and a net result of €145k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 65% of 8013 sector peers (fiscal year 2025). The company has been active since 2003 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-03-2026, 122 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
122 d early
2024
126 d early
2023
34 d early
2022
34 d early
2021
16 d early
2020
39 d early
2019
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€296k▲ 12.6%
2024 · €263k
2018: €104k
2019: €139k
2020: €164k
2021: €154k
2022: €165k
2023: €235k
2024: €263k
2018 → 2025
Net result
€145k▲ 100%
2024 · €73k
2018: €3k
2019: €44k
2020: €59k
2021: €25k
2022: €28k
2023: €75k
2024: €73k
2018 → 2025
Total assets
€428k▲ 46.5%
2024 · €292k
2018: €307k
2019: €299k
2020: €301k
2021: €234k
2022: €212k
2023: €252k
2024: €292k
2018 → 2025
Solvency
69.1%▼ 20.8pp
2024 · 90.0%
2018: 33.9%
2019: 46.4%
2020: 54.5%
2021: 65.9%
2022: 77.7%
2023: 93.2%
2024: 90.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€165k▲ 6.8%€235k▲ 42.7%€263k▲ 12.0%€296k▲ 12.6%
Operating result€25k-€38k▲ 51.4%€16k▼ 57.5%€25k▲ 56.5%€31k▲ 24.7%
Net result€25k-€28k▲ 11.6%€75k▲ 169%€73k▼ 3.8%€145k▲ 100%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €428k
Fixed assets
€49k▼ 11.6%
Current assets
€379k▲ 60.3%
Equity and liabilities €428k
Equity
€296k▲ 12.6%
Debt
€132k▲ 350%
The debt ratio rises from 10.0% to 30.9%. Equity and debt are higher.
Key figures and ratios
Solvency
69.1%▼
2024 · 90.0%
ROE
49.1%▲
2024 · 27.6%
ROA
33.9%▲
2024 · 24.8%
Debt
€132k▲
2024 · €29k
Debt ≤ 1 year
€132k▲
2024 · €29k
Income taxes
€25k▲
2024 · €14k
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€292k€428k▲
Fixed assets21/28€56k€49k▼
Tangible fixed assets22/27€16k€9k▼
Furniture and vehicles24€16k€9k▼
Financial fixed assets28€40k€40k=
Current assets29/58€236k€379k▲
Amounts receivable within one year40/41€399€303▼
Trade receivables40€303€303=
Other amounts receivable41€96-
Current investments50/53€211k€369k▲
Cash at bank and in hand54/58€24k€9k▼
Deferred charges and accrued income490/1€655€413▼
Equity and liabilities
Total equity and liabilities10/49€292k€428k▲
Equity10/15€263k€296k▲
Contributions10/11€1k€1k=
Reserves13€262k€295k▲
Distributable reserves133€262k€295k▲
Amounts payable17/49€29k€132k▲
Amounts payable within one year42/48€29k€132k▲
Current portion of amounts payable after more than one year42€5k-
Trade debts44€31€28▼
Suppliers440/4€31€28▼
Taxes, remuneration and social security45€2k€21k▲
Taxes450/3€2k€21k▲
Other amounts payable47/48€22k€111k▲
Accrued charges and deferred income492/3€270€124▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€387€400▲
Gross operating margin9900€32k€38k▲
Operating profit (loss)9901€25k€31k▲
Financial income75/76B€62k€140k▲
Recurring financial income75€62k€140k▲
Financial charges65/66B€483€879▲
Recurring financial charges65€483€879▲
Profit (loss) for the period before taxes9903€86k€171k▲
Income taxes67/77€14k€25k▲
Profit (loss) for the period9904€73k€145k▲
Profit (loss) for the period to be appropriated9905€73k€145k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€145k▲
Transfer from equity791/2€44k€112k▲
Transfer to equity691/2€73k€145k▲
To other reserves6921€73k€145k▲
Profit to be distributed694/7€44k€112k▲
Return on contributions (dividend)694€44k€112k▲
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
Next filing, fiscal year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €145k ▲100%
Net result €145k, the highest in the series.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 15.33
Current ratio from 4.49 to 15.33; short-term debt falls from €32k to €12k.
31-12
Financial
Equity above €200kEq €235k ▲42.7%
6 profitable years in a row build equity to €235k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €164k ▲18.1%
3 profitable years in a row build equity to €164k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 1.80
Current ratio from 0.50 to 1.80; short-term debt falls from €85k to €80k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
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, Juprelle · 1 establishment unit since 2003
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.
Chaussée de Tongres 3364450 JuprelleGround area
1,942 m²
Building footprint
155 m²
Parcel 62060A0813/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CATHERINE JUPRELLE
since 20032.133.045.242
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62060A0813/00C000 | Wallonia | 1,942 m² | 1 · 155 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500A572C9JFC3EF73
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V & V FINANCE
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Of 232 companies in sector 64190 we hold annual accounts for 109. 80 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-2003
Fiscal year end31-12
Activities, NACEBEL
64190Financial service activities, except insurance and pension funding
65121Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.
Contact details
2 entriesPhone:04/2784428
Fax:04/2781043