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J.V.L.

Active
Private limited company (pre-2019)founded 2008active for 18 yearsBergstraat 28, 2930 Brasschaat, BelgiumKBO/BCE: BE 0806.196.296

From the official registers: KBO 16 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of J.V.L. is 2.9% (moderate). The annual accounts of J.V.L. for financial year 2024 show a net loss of 96% of the equity at the start of that year. The 2024 annual accounts show equity of €353 and a net result of -€8,114. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 23% of 25,566 sector peers (NACE 47, financial year 2024). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 05-09-2008 Normal situation
Legal form
Private limited company (pre-2019)
Registered office
Bergstraat 28, 2930 Brasschaat
Activity
Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716and 4 others
Establishment unit
2.173.001.027 2930 Brasschaat, since 08-09-2008
Financial year end
31 December
Peppol
Reachable since 20-11-2020

Board and ownership

Board
  • Van Loon VeerleDirector · since 05-05-2014

Financial position

49 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.9%
Annual accounts 2024
Gross margin
€21,242
▲ 20.7%
Turnover
≈ €250,000
estimated
Loss
€8,114
Equity
€353
▼ 95.8%
Total assets
€85,356
▲ 39.3%
2025 accounts not filed, 93 days past the deadline
Filed on 29-08-2025PDF
Score breakdownraises riskFigures for financial year 2024 (filed on 02-09-2025)Loss of €8,114 (financial year 2024)lowers riskFounded in 2008Size: total assets €85,356Show the evidence

Checked score

Score 2024
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 19% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2023
Weak
Solvency 25-14
equity 0.4% of total assets
Liquidity 29=
short-term debt 51.0% · cash 3.7%
Profitability 30-24
return on assets -9.5%
Bankruptcy probability within 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024lowest value 02-2025: 0.5%● unchanged vs 01-2025lowest value 03-2025: 0.5%● unchanged vs 02-2025lowest value 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.2 percentage points vs 06-2025 08-2025: 1.1%▲ +0.4 percentage points vs 07-2025 09-2025: 1.4%▲ +0.3 percentage points vs 08-2025 10-2025: 1.2%▼ -0.2 percentage points vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.2%● unchanged vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.2%● unchanged vs 04-2026 06-2026: 1.2%● unchanged vs 05-2026 07-2026: 1.2%● unchanged vs 06-2026 08-2026: 1.9%▲ +0.7 percentage points vs 07-2026 09-2026: 2.1%▲ +0.2 percentage points vs 08-2026 10-2026: 2.9%▲ +0.8 percentage points vs 09-2026highest value
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.55 (0.5 in 2023), below 1. Short-term debt is 51% and cash 3.7% of total assets. 99.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 19% of them on solvency, 26% on liquidity, 25% on profitability and 6% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Seven signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed on 02-09-2025)
NBB · annual accounts
lowers risk · Founded in 2008
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €85,356
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €8,114 (financial year 2024)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 25566 sector peers (2024).
NBB · sector comparison
Position among 25566 sector peers
Solvency
better than 23%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 93 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline01-11-2026 today
raises risk · 2024 accounts filed 29 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
29 days late
2023
5 days early
2022
29 days late
2021
13 days early
2020
8 days early
2019
81 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 19 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 80% of companies in retail tradesector median €4,565 · 25,542 companies -€8,114 View

Documents

Annual accounts at the NBB

All 16 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about J.V.L.

What is the company number of J.V.L.?
The company number of J.V.L. is 0806.196.296. The VAT number is the same number with BE in front: BE 0806.196.296.
Where is J.V.L. based?
The registered office is at Bergstraat 28, 2930 Brasschaat.Company details
What does J.V.L. do?
According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of J.V.L.?
The legal form of J.V.L. is Private limited company (pre-2019) (BVBA).
When was J.V.L. founded?
J.V.L. was founded on 05-09-2008.
Is J.V.L. still active?
Yes, J.V.L. is an active enterprise in the KBO register.
What is the turnover of J.V.L.?
The turnover in financial year 2024 is ≈ €250,000. This figure is estimated from the gross margin of €21,242 and 40 comparable companies (NACE 47716). It probably lies between €83,000 and €500,000. It is a rough estimate.Financials
Is J.V.L. profitable?
In financial year 2024, J.V.L. made a loss of €8,114.
Where can I find the annual accounts of J.V.L.?
J.V.L. filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2024.Annual accounts 2024 (PDF)

Comparable companies

These companies have the same main activity as J.V.L.: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €71,300 and €120,000, founded between 2008 and 2010.

CompanyTotal assetsGross margin
J.V.L. Brasschaat€85,356€21,242
AOZ Antwerpen€71,292€26,434
Roeland.Boutique Kortrijk€91,915€18,676
GIMMY Waterloo€81,365€28,329
La Boté Mode Heist-op-den-Berg€106,444€27,749
PB TECHNICS Heist-op-den-Berg€120,027€18,468
ZAPATTA SHOES Bornem€118,532€28,608
Full comparison

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