J.V.L.
ActiveThe annual accounts of J.V.L. for fiscal 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 €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 26053 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
39
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability30▼-24
Solvency25▼-14
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; 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 short (current ratio 0.55 against 0.5 in 2023; short-term debt: 51% and cash: 3.7% of total assets), and 99.6% 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
0.4%
Return on assets
-9.5%
Age of the figures
20 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 26053 sector peers (2024).
NBB · sector comparisonPosition among 26053 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
5 d early
2022
29 d late
2021
13 d early
2020
8 d early
2019
81 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€353▼ 95.8%
2023 · €8k
2018: €1k
2019: €-30k
2020: €-35k
2021: €-20k
2022: €6k
2023: €8k
2018 → 2024
Total assets
€85k▲ 39.3%
2023 · €61k
2018: €79k
2019: €44k
2020: €27k
2021: €23k
2022: €31k
2023: €61k
2018 → 2024
Net result
€-8k
2023 · €2k
2018: €-3k
2019: €-31k
2020: €-5k
2021: €15k
2022: €26k
2023: €2k
2018 → 2024
Working capital
€-20k▼ 28.9%
2023 · €-15k
2018: €667
2019: €-30k
2020: €-35k
2021: €-23k
2022: €-8k
2023: €-15k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-35k-€-20k▲ 43.3%€6k€8k▲ 38.3%€353▼ 95.8%
Operating result€150-€18k▲ 11,985%€31k▲ 70.0%€7k▼ 76.6%€-2k
Net result€-5k-€15k€26k▲ 71.5%€2k▼ 90.9%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €7k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €85k
Fixed assets
€61k▲ 32.3%
Current assets
€24k▲ 61.2%
Equity and liabilities €85k
Equity
€353▼ 95.8%
Debt
€85k▲ 61.0%
The debt ratio rises from 86.2% to 99.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€18k▲
2023 · €15k
Cash flow
€12k▲
2023 · €10k
Solvency
0.4%▼
2023 · 13.8%
Current ratio
0.55▲
2023 · 0.50
Quick ratio
0.23▲
2023 · 0.09
ROA
-9.5%▼
2023 · 3.8%
Interest coverage
2.81▼
2023 · 3.70
Debt
€85k▲
2023 · €53k
Debt ≤ 1 year
€44k▲
2023 · €30k
Debt > 1 year
€41k▲
2023 · €23k
Income taxes
€148▼
2023 · €885
Equity ratios withheld: equity of €353 is too small for a meaningful ratio.
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€61k€85k▲
Fixed assets21/28€46k€61k▲
Tangible fixed assets22/27€46k€61k▲
Furniture and vehicles24€9k€29k▲
Leasing and similar rights25€38k€32k▼
Current assets29/58€15k€24k▲
Stocks and contracts in progress3€12k€14k▲
Stocks30/36€12k€14k▲
Amounts receivable within one year40/41€1k€5k▲
Trade receivables40€913€0▼
Other amounts receivable41€268€5k▲
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€113€2k▲
Equity and liabilities
Total equity and liabilities10/49€61k€85k▲
Equity10/15€8k€353▼
Contributions10/11€44k€44k=
Profit (loss) carried forward14€-35k€-43k▼
Amounts payable17/49€53k€85k▲
Amounts payable after more than one year17€23k€41k▲
Financial debts170/4€23k€41k▲
Amounts payable within one year42/48€30k€44k▲
Current portion of amounts payable after more than one year42€6k€12k▲
Financial debts43€11k€13k▲
Credit institutions430/8€11k€13k▲
Trade debts44€11k€8k▼
Suppliers440/4€11k€8k▼
Taxes, remuneration and social security45€885€11k▲
Taxes450/3€885€11k▲
Other amounts payable47/48€1k€0▼
Income statement
Code20232024
Non-recurring operating income76A€5k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€20k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€18k€21k▲
Operating profit (loss)9901€7k€-2k▼
Financial income75/76B€0€64▲
Recurring financial income75€0€64▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€3k€-8k▼
Income taxes67/77€885€148▼
Profit (loss) for the period9904€2k€-8k▼
Profit (loss) for the period to be appropriated9905€2k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-43k▼
Profit (loss) brought forward from the previous period14P€-37k€-35k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €26k ▲71.5%
Operating result €31k, net result €26k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after 3 loss-making years.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 81 days late
20-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 447 days late
2019
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 90 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Brasschaat · 1 establishment unit since 2008
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.
Bergstraat 282930 BrasschaatGround area
627 m²
Building footprint
198 m²
Parcel 11323F0268/00C004, Flanders. Linked by address, not a title deed.
1 establishment unit
J.V.L.
since 20082.173.001.027
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0268/00C004 | Flanders | 627 m² | 1 · 198 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.
Similar companies · same sector, comparable size
NAMERI
BE 0673.829.702
Mons · Eq €352
AB FASHION
BE 0849.360.209
Brussel · Eq €327
NOUR BILAL
BE 0896.261.489
Sint-Jans-Molenbeek · Eq €387
SICE MODE
BE 0792.927.389
Liège · Eq €305
Markthandel Peter en Nancy
BE 0794.153.153
Berlare · Eq €415
Of 6,498 companies in sector 47716 we hold annual accounts for 2,440. 143 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-09-2008
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47820Market retail: textiles, clothing, footwear
47721Retail sale of footwear
47722Retail trade
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.