J V L INTERIEUR
ActiveSummary
J V L INTERIEUR has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-190k) and a net result of €-55k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 403 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-9
Solvency5▼-8
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.1 against 0.15 in 2024; short-term debt: 37.9% and cash: 0.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five 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 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-19.5%
Return on assets
-5.7%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-190k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
21 d late
2023
30 d late
2022
24 d late
2021
73 d late
2020
18 d late
2019
69 d late
← 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, micro schema
Equity
€-190k▼ 40.9%
2024 · €-135k
2018: €1k
2019: €12k
2020: €-22k
2021: €12k
2022: €53k
2023: €-98k
2024: €-135k
2018 → 2025
Total assets
€975k▼ 11.0%
2024 · €1.10M
2018: €255k
2019: €216k
2020: €164k
2021: €280k
2022: €1.02M
2023: €1.05M
2024: €1.10M
2018 → 2025
Net result
€-55k▼ 48.3%
2024 · €-37k
2018: €6k
2019: €11k
2020: €-34k
2021: €34k
2022: €-59k
2023: €-151k
2024: €-37k
2018 → 2025
Working capital
€-331k▼ 2.9%
2024 · €-321k
2018: €-43k
2019: €-45k
2020: €-61k
2021: €-43k
2022: €-111k
2023: €-280k
2024: €-321k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€53k▲ 348%€-98k€-135k▼ 38.1%€-190k▼ 40.9%
Operating result€42k-€-42k€-128k▼ 205%€-13k▲ 90.2%€-31k▼ 148%
Net result€34k-€-59k€-151k▼ 156%€-37k▲ 75.3%€-55k▼ 48.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €31k in 2025 against €13k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €975k
Fixed assets
€936k ▼ 9.7%
Current assets
€39k ▼ 34.1%
Key figures and ratios
EBITDA
€75k▼
2024 · €94k
Cash flow
€51k▼
2024 · €69k
Solvency
-19.5%▼
2024 · -12.3%
Current ratio
0.10▼
2024 · 0.15
Debt to equity
-6.12▲
2024 · -9.11
ROA
-5.7%▼
2024 · -3.4%
Interest coverage
3.06▼
2024 · 3.82
Debt
€1.17M▼
2024 · €1.23M
Debt ≤ 1 year
€369k▼
2024 · €380k
Debt > 1 year
€796k▼
2024 · €851k
Income taxes
€132▼
2024 · €279
Staff costs
€49k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.10M€975k▼
Fixed assets21/28€1.04M€936k▼
Tangible fixed assets22/27€1.03M€934k▼
Land and buildings22€894k€845k▼
Plant, machinery and equipment23€72k€40k▼
Furniture and vehicles24€2k€4k▲
Leasing and similar rights25€67k€46k▼
Financial fixed assets28€2k€2k=
Current assets29/58€59k€39k▼
Amounts receivable within one year40/41€59k€36k▼
Trade receivables40€52k€28k▼
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58-€2k
Equity and liabilities
Total equity and liabilities10/49€1.10M€975k▼
Equity10/15€-135k€-190k▼
Contributions10/11€119k€119k=
Profit (loss) carried forward14€-254k€-309k▼
Amounts payable17/49€1.23M€1.17M▼
Amounts payable after more than one year17€851k€796k▼
Financial debts170/4€851k€796k▼
Amounts payable within one year42/48€380k€369k▼
Current portion of amounts payable after more than one year42€59k€55k▼
Financial debts43€21k-
Credit institutions430/8€21k-
Trade debts44€41k€53k▲
Suppliers440/4€41k€53k▲
Taxes, remuneration and social security45€1k€6k▲
Taxes450/3€1k€778▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€258k€254k▼
Income statement
Code20242025
Non-recurring operating income76A€5k-
Remuneration, social security and pensions62-€49k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€106k€107k▲
Other operating charges640/8€9k€10k▲
Gross operating margin9900€103k€135k▲
Operating profit (loss)9901€-13k€-31k▼
Financial income75/76B€53€641▲
Recurring financial income75€53€641▲
Financial charges65/66B€24k€25k▲
Recurring financial charges65€24k€25k▲
Profit (loss) for the period before taxes9903€-37k€-55k▼
Income taxes67/77€279€132▼
Profit (loss) for the period9904€-37k€-55k▼
Profit (loss) for the period to be appropriated9905€-37k€-55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-254k€-309k▼
Profit (loss) brought forward from the previous period14P€-216k€-254k▼
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
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-151k
Net result drops to €-151k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 73 days late
2021
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oostkamp · 1 establishment unit since 2007
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.
Sintelweg 68020 OostkampGround area
2,446 m²
Building footprint
997 m²
Volume, LiDAR
503 m³
Parcel 31022I0700/00A000, Flanders · tallest building 13.2 m. Linked by address, not a title deed.
1 establishment unit
MACHTIG INTERIEUR
since 20072.166.402.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0700/00A000 | Flanders | 2,446 m² | 1 · 997 m² | 13.2 m |
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
MINDZ
BE 0885.305.142
Sint-Pieters-Leeuw · Eq €52,635
LENAERTS INTERIEURARCHITECTUUR
BE 0822.125.082
Beveren-Kruibeke-Zwijndrecht · Eq €52,561
KEUKENS BELLEMANS
BE 0435.666.392
Affligem · Eq €53,852
ALGEMEEN MAATWERK VAN MALDEGHEM
BE 0454.015.824
Lint · Eq €54,778
Joris Knuts
BE 1001.376.233
Genk · Eq €50,451
Of 619 companies in sector 31002 we hold annual accounts for 349. 236 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
Founded12-11-2007
Fiscal year end31-12
Activities, NACEBEL 2025
31002Manufacture of furniture
43320Joinery installation
31004Manufacture of dining room, living room, bedroom and bathroom furniture
46130Agents in the wholesale of timber and building materials
46150Agents in the wholesale of furniture, household goods and hardware
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.