J.V.DAK
ActiveJ.V.DAK has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €5k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 60% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-2
Solvency81▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.23 against 3.21 in 2024; short-term debt: 43.4% and cash: 7.1% of total assets), and 44.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
55.9%
Return on assets
2.9%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
3 d early
2023
7 d early
2022
11 d early
2021
33 d early
2020
12 d late
2019
28 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▲ 5.4%
2024 · €94k
2018: €81k
2019: €76k
2020: €70k
2021: €73k
2022: €88k
2023: €91k
2024: €94k
2018 → 2025
Total assets
€178k▲ 26.1%
2024 · €141k
2018: €137k
2019: €166k
2020: €100k
2021: €201k
2022: €175k
2023: €175k
2024: €141k
2018 → 2025
Net result
€5k▲ 70.3%
2024 · €3k
2018: €-2k
2019: €20k
2020: €-6k
2021: €19k
2022: €16k
2023: €4k
2024: €3k
2018 → 2025
Working capital
€95k▲ 6.1%
2024 · €89k
2018: €52k
2019: €64k
2020: €60k
2021: €65k
2022: €84k
2023: €94k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€88k▲ 19.7%€91k▲ 3.6%€94k▲ 3.3%€99k▲ 5.4%
Operating result€35k-€22k▼ 37.7%€7k▼ 65.7%€8k▲ 1.8%€8k▼ 1.2%
Net result€19k-€16k▼ 16.6%€4k▼ 73.9%€3k▼ 26.1%€5k▲ 70.3%
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€6k▼ 47.7%
Current assets
€172k▲ 32.3%
Equity and liabilities €178k
Equity
€99k▲ 5.4%
Debt
€78k▲ 67.7%
The debt ratio rises from 33.2% to 44.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €13k
Cash flow
€10k▲
2024 · €8k
Solvency
55.9%▼
2024 · 66.8%
Current ratio
2.23▼
2024 · 3.21
Quick ratio
2.21▼
2024 · 3.16
Debt / equity
0.79▲
2024 · 0.50
ROE
5.1%▲
2024 · 3.2%
ROA
2.9%▲
2024 · 2.1%
Interest coverage
5.60▼
2024 · 10.67
Debt
€78k▲
2024 · €47k
Debt ≤ 1 year
€77k▲
2024 · €41k
Income taxes
€3k▲
2024 · €2k
Staff costs
€49k▲
2024 · €42k
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€141k€178k▲
Fixed assets21/28€11k€6k▼
Tangible fixed assets22/27€11k€6k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€9k€4k▼
Current assets29/58€130k€172k▲
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€112k€157k▲
Trade receivables40€61k€104k▲
Other amounts receivable41€50k€54k▲
Cash at bank and in hand54/58€16k€13k▼
Deferred charges and accrued income490/1€474-
Equity and liabilities
Total equity and liabilities10/49€141k€178k▲
Equity10/15€94k€99k▲
Contributions10/11€11k€11k=
Reserves13€83k€88k▲
Distributable reserves133€83k€88k▲
Amounts payable17/49€47k€78k▲
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€41k€77k▲
Current portion of amounts payable after more than one year42€12k€5k▼
Trade debts44€17k€52k▲
Suppliers440/4€17k€52k▲
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€6k€14k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€42k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€11k
Gross operating margin9900€56k€74k▲
Operating profit (loss)9901€8k€8k▼
Financial income75/76B€720€3k▲
Recurring financial income75€720€720=
Non-recurring financial income76B-€2k
Financial charges65/66B€3k€2k▼
Recurring financial charges65€1k€2k▲
Non-recurring financial charges66B€2k-
Profit (loss) for the period before taxes9903€5k€8k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€3k€5k▲
Profit (loss) for the period to be appropriated9905€3k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€5k▲
Transfer to equity691/2€3k€5k▲
To other reserves6921€3k€5k▲
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Weakest financial yearnet €-6k ▼129%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.92
Current ratio from 1.90 to 3.92; short-term debt falls from €71k to €21k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
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
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, Ronse · 1 establishment unit since 2010
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.
Delplanquettestraat 79600 RonseGround area
1,474 m²
Building footprint
175 m²
Volume, LiDAR
785 m³
Parcel 45422D0135/00B000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
J.V DAK
since 20102.192.448.636
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422D0135/00B000 | Flanders | 1,474 m² | 1 · 175 m² | 6.6 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.
Recognitions · licences · registrations
Recognised contractor
5 categoriesJ.V.DAK BV37339
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 3,810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2010
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.