J.V.P.
ActiveJ.V.P. has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8.97M and a net result of €2.83M. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 4147 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 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
Profitability90▲+2
Solvency65▲+1
Growth67▲+3
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €650k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.65 in 2024; short-term debt: 30.1% and cash: 11.2% of total assets), but 59.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
40.4%
Return on assets
12.7%
Age of the figures
9 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 →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
1 d late
2022
6 d early
2021
33 d early
2020
1 d early
2019
19 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, consolidated, statutory
Turnover
€16.55M▲ 24.1%
2024 · €13.33M
2018: €12.73M
2019: €14.59M
2020: €12.60M
2021: €12.25M
2022: €12.87M
2023: €13.35M
2024: €13.33M
2018 → 2025
EBIT margin
25.0%▲ 2.8pp
2024 · 22.2%
2018: 12.7%
2019: 10.0%
2020: 4.5%
2021: 9.8%
2022: 14.0%
2023: 16.7%
2024: 22.2%
2018 → 2025
Net result
€2.83M▲ 36.2%
2024 · €2.08M
2018: €1.15M
2019: €984k
2020: €302k
2021: €781k
2022: €1.24M
2023: €1.50M
2024: €2.08M
2018 → 2025
Working capital
€4.07M▲ 22.6%
2024 · €3.32M
2018: €3.04M
2019: €4.07M
2020: €4.06M
2021: €3.43M
2022: €2.81M
2023: €3.04M
2024: €3.32M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€12.25M-€12.87M▲ 5.1%€13.35M▲ 3.7%€13.33M▼ 0.1%€16.55M▲ 24.1%
Equity€5.57M-€6.31M▲ 13.3%€7.06M▲ 11.9%€7.64M▲ 8.2%€8.97M▲ 17.4%
Operating result€1.20M-€1.81M▲ 50.7%€2.23M▲ 23.1%€2.96M▲ 33.1%€4.14M▲ 39.8%
Net result€781k-€1.24M▲ 59.0%€1.50M▲ 20.9%€2.08M▲ 38.4%€2.83M▲ 36.2%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22.21M
Fixed assets
€11.44M▲ 0.8%
Current assets
€10.77M▲ 27.3%
Equity and liabilities €22.21M
Equity
€8.97M▲ 17.4%
Debt
€13.24M▲ 8.8%
The debt ratio falls from 61.4% to 59.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6.33M▲
2024 · €4.92M
Cash flow
€5.02M▲
2024 · €4.03M
Solvency
40.4%▲
2024 · 38.6%
Current ratio
1.61▼
2024 · 1.65
Quick ratio
1.52▲
2024 · 1.52
Debt / equity
1.48▼
2024 · 1.59
ROE
31.6%▲
2024 · 27.2%
ROA
12.7%▲
2024 · 10.5%
Interest coverage
12.25▼
2024 · 21.80
Debt
€13.24M▲
2024 · €12.17M
Debt ≤ 1 year
€6.70M▲
2024 · €5.14M
Debt > 1 year
€6.48M▼
2024 · €6.95M
Income taxes
€964k▲
2024 · €723k
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€19.81M€22.21M▲
Fixed assets21/28€11.35M€11.44M▲
Intangible fixed assets21€949k€719k▼
Tangible fixed assets22/27€9.23M€9.69M▲
Land and buildings22€1.57M€1.40M▼
Plant, machinery and equipment23€384k€366k▼
Furniture and vehicles24€1.39M€1.83M▲
Other tangible fixed assets26€5.89M€6.10M▲
Financial fixed assets28€1.17M€1.03M▼
Affiliated companies280/1€1.17M€1.03M▼
Participating interests280€1.17M€1.03M▼
Other financial fixed assets284/8€1k€1k=
Amounts receivable and cash guarantees285/8€1k€1k=
Current assets29/58€8.46M€10.77M▲
Amounts receivable after more than one year29€3.39M€3.84M▲
Other amounts receivable291€3.39M€3.84M▲
Stocks and contracts in progress3€666k€593k▼
Stocks30/36€666k€593k▼
Goods purchased for resale34€666k€593k▼
Amounts receivable within one year40/41€1.89M€3.84M▲
Trade receivables40€1.71M€3.45M▲
Other amounts receivable41€189k€390k▲
Current investments50/53€1.67M-
Other investments51/53€1.67M-
Cash at bank and in hand54/58€787k€2.48M▲
Deferred charges and accrued income490/1€56k€13k▼
Equity and liabilities
Total equity and liabilities10/49€19.81M€22.21M▲
Equity10/15€7.64M€8.97M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€194k€194k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€38k€38k=
Distributable reserves133€150k€150k=
Profit (loss) carried forward14€7.38M€8.71M▲
Amounts payable17/49€12.17M€13.24M▲
Amounts payable after more than one year17€6.95M€6.48M▼
Financial debts170/4€6.95M€6.48M▼
Credit institutions173€6.90M€6.48M▼
Other loans174€47k-
Amounts payable within one year42/48€5.14M€6.70M▲
Current portion of amounts payable after more than one year42€1.73M€1.49M▼
Trade debts44€1.76M€2.81M▲
Suppliers440/4€1.76M€2.81M▲
Taxes, remuneration and social security45€489k€878k▲
Taxes450/3€489k€878k▲
Other amounts payable47/48€1.16M€1.52M▲
Accrued charges and deferred income492/3€81k€66k▼
Income statement
Code20242025
Operating income70/76A€19.86M€23.78M▲
Turnover70€13.33M€16.55M▲
Other operating income74€6.53M€7.15M▲
Non-recurring operating income76A-€86k
Operating charges60/66A€16.90M€19.64M▲
Goods for resale, raw materials and consumables60€4.01M€5.35M▲
Purchases600/8€4.18M€5.28M▲
Change in stocks: decrease (increase)609€-166k€73k▲
Services and other goods61€10.45M€11.66M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.96M€2.19M▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-106k-
Other operating charges640/8€400k€328k▼
Non-recurring operating charges66A€190k€117k▼
Operating profit (loss)9901€2.96M€4.14M▲
Financial income75/76B€67k€170k▲
Recurring financial income75€67k€42k▼
Income from current assets751€67k€42k▼
Other financial income752/9-€191
Non-recurring financial income76B-€128k
Financial charges65/66B€229k€516k▲
Recurring financial charges65€229k€516k▲
Debt charges650€226k€516k▲
Other financial charges652/9€3k€-341▼
Profit (loss) for the period before taxes9903€2.80M€3.79M▲
Income taxes67/77€723k€964k▲
Taxes670/3€729k€974k▲
Tax adjustments and reversals of tax provisions77€6k€10k▲
Profit (loss) for the period9904€2.08M€2.83M▲
Profit (loss) for the period to be appropriated9905€2.08M€2.83M▲
Appropriation of the result
Profit (loss) to be appropriated9906€8.88M€10.21M▲
Profit (loss) brought forward from the previous period14P€6.80M€7.38M▲
Profit to be distributed694/7€1.50M€1.50M=
Return on contributions (dividend)694€1.50M€1.50M=
The notes to these accounts (80 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €2.83M ▲36.2%
Operating result €4.14M, net result €2.83M, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €302k ▼69.3%
Net result drops to €302k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
31-12
Financial
Equity above €5MEq €5.33M ▲14.8%
2 profitable years in a row build equity to €5.33M.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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, Namur · 1 establishment unit since 1993
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.
Avenue Albert 1er 975000 NamurGround area
1,172 m²
Building footprint
93 m²
Volume, LiDAR
616 m³
Parcel 92094B0311/00Z005, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NIGHT AND DAY PRESSE
since 19932.063.771.901
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094B0311/00Z005 | Wallonia | 1,172 m² | 1 · 93 m² | 10.1 m · 2 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.
Similar companies · same sector, comparable size
DIERICKX
BE 0449.737.134
Lebbeke · Eq €8.87M
EURO - GIJBELS
BE 0439.703.374
Geel · Eq €9.17M
CORA
BE 0402.537.726
Braine-l'Alleud · Eq €8.69M
RUMCO
BE 0453.259.521
Pelt · Eq €8.40M
DELSHOP
BE 0426.645.194
Anderlecht · Eq €9.89M
Of 10,524 companies in sector 47110 we hold annual accounts for 5,859. 446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-08-1993
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
46392Non-specialised wholesale
51392
55401
56301Cafés and bars
92340
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.