Dr. JVH
ActiveDr. JVH has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency42▼-58
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 5.53 in 2024; short-term debt: 79.6% and cash: 81.7% of total assets), and 83.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
16.7%
Return on assets
13%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 16527 sector peers (2025).
NBB · sector comparisonPosition among 16527 sector peers
Solvency
better than 18%
← weakest
strongest →
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 04-08-2026, 4 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
4 d late
2024
37 d early
2023
44 d early
2022
34 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▼ 83.0%
2024 · €149k
2022: €27k
2023: €95k
2024: €149k
2022 → 2025
Total assets
€152k▼ 20.5%
2024 · €191k
2022: €88k
2023: €141k
2024: €191k
2022 → 2025
Net result
€20k▼ 76.8%
2024 · €85k
2022: €25k
2023: €67k
2024: €85k
2022 → 2025
Working capital
€12k▼ 90.7%
2024 · €126k
2022: €12k
2023: €78k
2024: €126k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€27k-€95k▲ 247%€149k▲ 56.8%€25k▼ 83.0%
Operating result€32k-€86k▲ 169%€109k▲ 26.9%€27k▼ 75.1%
Net result€25k-€67k▲ 172%€85k▲ 26.1%€20k▼ 76.8%
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 2025; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152k
Fixed assets
€19k▼ 47.7%
Current assets
€132k▼ 14.0%
Equity and liabilities €152k
Equity
€25k▼ 83.0%
Debt
€126k▲ 200%
The debt ratio rises from 22.0% to 83.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€44k▼
2024 · €124k
Cash flow
€37k▼
2024 · €101k
Solvency
16.7%▼
2024 · 78.0%
Current ratio
1.10▼
2024 · 5.53
Quick ratio
1.10▼
2024 · 5.53
Debt / equity
4.99▲
2024 · 0.28
ROE
77.8%▲
2024 · 57.2%
ROA
13.0%▼
2024 · 44.6%
Interest coverage
62.11▼
2024 · 196.53
Debt
€126k▲
2024 · €42k
Debt ≤ 1 year
€121k▲
2024 · €28k
Debt > 1 year
€4k▼
2024 · €14k
Income taxes
€7k▼
2024 · €23k
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€191k€152k▼
Fixed assets21/28€37k€19k▼
Tangible fixed assets22/27€37k€19k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€30k€15k▼
Current assets29/58€154k€132k▼
Amounts receivable within one year40/41€2k€3k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€152k€124k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€191k€152k▼
Equity10/15€149k€25k▼
Contributions10/11€3k€3k=
Reserves13€146k€3k▼
Distributable reserves133€146k€3k▼
Profit (loss) carried forward14€82€20k▲
Amounts payable17/49€42k€126k▲
Amounts payable after more than one year17€14k€4k▼
Financial debts170/4€14k€4k▼
Amounts payable within one year42/48€28k€121k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44-€242
Suppliers440/4-€242
Taxes, remuneration and social security45€18k€73▼
Taxes450/3€18k€73▼
Other amounts payable47/48-€110k
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€448€1k▲
Gross operating margin9900€125k€46k▼
Operating profit (loss)9901€109k€27k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€633€716▲
Recurring financial charges65€633€716▲
Profit (loss) for the period before taxes9903€108k€26k▼
Income taxes67/77€23k€7k▼
Profit (loss) for the period9904€85k€20k▼
Profit (loss) for the period to be appropriated9905€85k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€20k▼
Profit (loss) brought forward from the previous period14P€10€82▲
Transfer from equity791/2€31k€143k▲
Transfer to equity691/2€85k€0▼
To the legal reserve6920-€0
To other reserves6921€85k-
Profit to be distributed694/7€31k€143k▲
Return on contributions (dividend)694€31k€143k▲
The notes to these accounts (8 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Weakest financial yearnet €20k ▼76.8%
Net result drops to €20k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €85k ▲26.1%
Operating result €109k, net result €85k, both a record.
31-12
Financial
Equity above €100kEq €149k ▲56.8%
3 profitable years in a row build equity to €149k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 4.49
Current ratio from 1.46 to 4.49; short-term debt falls from €27k to €22k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Oud-Heverlee · 1 establishment unit since 2022
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.
Waversebaan 113050 Oud-HeverleeGround area
2,352 m²
Building footprint
165 m²
Volume, LiDAR
934 m³
Parcel 24086A0220/00T005, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. JVH
since 20222.329.436.588
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24086A0220/00T005 | Flanders | 2,352 m² | 1 · 164 m² | 8.9 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.
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 3,607 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2022
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
72109Other research and development on natural sciences
72200Scientific research and development
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.