J AND V SERVICES
ActiveSummary
J AND V SERVICES has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.41M and a net result of €400k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 3.88 against 7.44 in 2024; short-term debt: 13.8% and cash: 3% of total assets), and 21.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
78.8%
Return on assets
13.1%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
6 d early
2023
13 d early
2022
13 d early
2021
37 d early
2020
39 d early
2019
17 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.41M▲ 19.9%
2024 · €2.01M
2018: €632k
2020: €684k
2021: €1.03M
2022: €1.36M
2023: €1.76M
2024: €2.01M
2018 → 2025
Total assets
€3.06M▲ 36.1%
2024 · €2.25M
2018: €1.08M
2020: €913k
2021: €1.27M
2022: €1.58M
2023: €2.19M
2024: €2.25M
2018 → 2025
Net result
€400k▲ 10.1%
2024 · €363k
2018: €262k
2020: €166k
2021: €352k
2022: €336k
2023: €402k
2024: €363k
2018 → 2025
Working capital
€1.22M▼ 20.0%
2024 · €1.52M
2018: €380k
2020: €597k
2021: €938k
2022: €1.29M
2023: €1.68M
2024: €1.52M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.03M-€1.36M▲ 32.0%€1.76M▲ 29.6%€2.01M▲ 14.1%€2.41M▲ 19.9%
Operating result€512k-€487k▼ 4.8%€587k▲ 20.5%€499k▼ 15.1%€534k▲ 7.1%
Net result€352k-€336k▼ 4.6%€402k▲ 19.9%€363k▼ 9.7%€400k▲ 10.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.06M
Fixed assets
€1.42M ▲ 189%
Current assets
€1.64M ▼ 6.7%
Equity and liabilities €3.06M
Equity
€2.41M ▲ 19.9%
Debt
€648k ▲ 174%
Debt's share of the balance-sheet total rises from 10.5% to 21.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€633k▲
2024 · €539k
Cash flow
€500k▲
2024 · €404k
Current ratio
3.88▼
2024 · 7.44
Debt to equity
0.27▲
2024 · 0.12
ROE
16.6%▼
2024 · 18.1%
ROA
13.1%▼
2024 · 16.2%
Interest coverage
38.44▼
2024 · 47.36
Debt ≤ 1 year
€422k▲
2024 · €236k
Debt > 1 year
€226k
Income taxes
€160k▼
2024 · €162k
Staff costs
€561k▲
2024 · €560k
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 · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.25M€3.06M▲
Fixed assets21/28€493k€1.42M▲
Intangible fixed assets21€647€49▼
Tangible fixed assets22/27€492k€1.42M▲
Plant, machinery and equipment23€11k€38k▲
Furniture and vehicles24€42k€75k▲
Other tangible fixed assets26€440k€1.31M▲
Current assets29/58€1.76M€1.64M▼
Amounts receivable within one year40/41€1.53M€1.54M▲
Trade receivables40€327k€206k▼
Other amounts receivable41€1.21M€1.33M▲
Cash at bank and in hand54/58€212k€91k▼
Deferred charges and accrued income490/1€10k€11k▲
Equity and liabilities
Total equity and liabilities10/49€2.25M€3.06M▲
Equity10/15€2.01M€2.41M▲
Contributions10/11€19k€19k=
Reserves13€1.99M€2.39M▲
Distributable reserves133€1.99M€2.39M▲
Amounts payable17/49€236k€648k▲
Amounts payable after more than one year17-€226k
Financial debts170/4-€226k
Amounts payable within one year42/48€236k€422k▲
Current portion of amounts payable after more than one year42-€13k
Trade debts44€140k€246k▲
Suppliers440/4€140k€246k▲
Taxes, remuneration and social security45€96k€163k▲
Taxes450/3€43k€107k▲
Remuneration and social security454/9€53k€56k▲
Income statement
Code20242025
Remuneration, social security and pensions62€560k€561k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€100k▲
Other operating charges640/8€9k€8k▼
Gross operating margin9900€1.11M€1.20M▲
Operating profit (loss)9901€499k€534k▲
Financial income75/76B€39k€43k▲
Recurring financial income75€39k€43k▲
Financial charges65/66B€11k€16k▲
Recurring financial charges65€11k€16k▲
Profit (loss) for the period before taxes9903€526k€560k▲
Income taxes67/77€162k€160k▼
Profit (loss) for the period9904€363k€400k▲
Profit (loss) for the period to be appropriated9905€363k€400k▲
Appropriation of the result
Profit (loss) to be appropriated9906€363k€400k▲
Transfer from equity791/2€114k-
Transfer to equity691/2€363k€400k▲
To other reserves6921€363k€400k▲
Profit to be distributed694/7€114k-
Return on contributions (dividend)694€114k-
Social balance
Average headcount (FTE)908711.210.1▼
The notes to these accounts (12 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €2MEq €2.01M ▲14.1%
6 profitable years in a row build equity to €2.01M.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €402k ▲19.9%
Operating result €587k, net result €402k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.03M ▲50.8%
3 profitable years in a row build equity to €1.03M.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €166k ▼36.6%
Net result drops to €166k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated 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
7 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, Lier · 1 establishment unit since 2000
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.
Liersebaan 1852500 LierGround area
3,289 m²
Building footprint
968 m²
Volume, LiDAR
339 m³
Parcel 12019B0663/00E000, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Liersebaan 185, 2500 Lier
since 20002.091.789.657
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12019B0663/00E000 | Flanders | 3,289 m² | 1 · 968 m² | 9.5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 306 EUR awarded · 306 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 57 EUR |
| 2024 | 1 | 57 EUR | 149 EUR |
| 2023 | 1 | 149 EUR | 0 EUR |
| 2022 | 1 | 100 EUR | 100 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 70 companies in sector 71201 we hold annual accounts for 32. 12 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
Founded30-06-1999
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
71201Architectural and engineering activities; technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.