Summary
J.VB is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €210,335 and a net result of €64,094. Equity has been growing by about 44% per year since 2023. Its solvency ranks better than 88% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 09-01-2023 Normal situation
- Activity
- Activities of holding companies NACE 64210and 1 other
- Establishment unit
- 2.340.232.292 1730 Asse, since 09-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 10-11-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €64,094
- ▼ 2.6%
- Equity
- €210,335
- ▲ 43.8%
- Total assets
- €234,048
- ▲ 23.0%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
neutral
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 23-03-2026, 130 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
130 days early
2024
46 days early
2023
51 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 76 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 June (3 of the last 3 accounts filed within 80 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 23-03-2026 PDF all 3 filings
Equity
€210,335▲ 43.8%
2024 · €146,241
Net result
€64,094▼ 2.6%
2024 · €65,833
Total assets
€234,048▲ 23.0%
2024 · €190,291
Solvency
89.9%▲ 13.0pp
2024 · 76.9%
Multi-year overview
2023 to 2025, 3 financial yearsOperating result
€79,902
▼ 12.1%
2025
20232025
Net result
€64,094
▼ 2.6%
2025
middle half of the sector
20232025
Equity
€210,335
▲ 43.8%
2025
middle half of the sector
20232025
Total assets
€234,048
▲ 23.0%
2025
middle half of the sector
20232025
Debt
€23,713
▼ 46.2%
2025
20232025
Working capital
€208,073
▲ 46.6%
2025
highest quarter of the sector
20232025
Solvency
89.9%
▲ 13.0pp
2025
highest quarter of the sector
20232025
Current ratio
9.77
▲ 5.55
2025
highest quarter of the sector
20232025
Return on assets (ROA)
27.4%
▼ 7.2pp
2025
highest quarter of the sector
20232025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result€94,669-€90,929▼ 4.0%€79,902▼ 12.1%
Net result€75,409within the sector's middle half-€65,833within the sector's middle half▼ 12.7%€64,094within the sector's middle half▼ 2.6%
Equity€80,409within the sector's middle half-€146,241within the sector's middle half▲ 81.9%€210,335within the sector's middle half▲ 43.8%
Total assets€114,302below the sector's middle half-€190,291within the sector's middle half▲ 66.5%€234,048within the sector's middle half▲ 23.0%
Debt€33,894-€44,050▲ 30.0%€23,713▼ 46.2%
Working capital€80,409within the sector's middle half-€141,939within the sector's middle half▲ 76.5%€208,073above the sector's middle half▲ 46.6%
Solvency70.3%within the sector's middle half-76.9%within the sector's middle half▲ 6.5pp89.9%above the sector's middle half▲ 13.0pp
Current ratio3.37within the sector's middle half-4.22within the sector's middle half▲ 0.859.77above the sector's middle half▲ 5.55
Return on assets (ROA)66.0%above the sector's middle half-34.6%above the sector's middle half▼ 31.4pp27.4%above the sector's middle half▼ 7.2pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 12% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €234,048
Fixed assets
€2,262 ▼ 47.4%
Current assets
€231,786 ▲ 24.6%
Equity and liabilities €234,048
Equity
€210,335 ▲ 43.8%
Debt
€23,713 ▼ 46.2%
Debt's share of the balance-sheet total falls from 23.1% to 10.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
30.5%▼
2024 · 45.0%
Debt ≤ 1 year
€23,713▼
2024 · €44,050
Income taxes
€16,399▼
2024 · €25,057
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | - | €6,119 | - |
| Depreciation and write-downs of the year | - | €1,817 | €2,040 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1,817 | €2,040 | ▲ 12.3% |
| Other operating charges640/8 | €731 | €442 | €455 | ▲ 2.9% |
| Gross operating margin9900 | €95,400 | €93,188 | €82,397 | ▼ 11.6% |
| Operating profit (loss)9901 | €94,669 | €90,929 | €79,902 | ▼ 12.1% |
| Financial income75/76B | €0 | - | €631 | - |
| Recurring financial income75 | €0 | - | €631 | - |
| Financial charges65/66B | €98 | €39 | €40 | ▲ 2.6% |
| Recurring financial charges65 | €98 | €39 | €40 | ▲ 2.6% |
| Profit (loss) for the period before taxes9903 | €94,572 | €90,890 | €80,493 | ▼ 11.4% |
| Income taxes67/77 | €19,163 | €25,057 | €16,399 | ▼ 34.6% |
| Profit (loss) for the period9904 | €75,409 | €65,833 | €64,094 | ▼ 2.6% |
| Profit (loss) for the period to be appropriated9905 | €75,409 | €65,833 | €64,094 | ▼ 2.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €114,302 | €190,291 | €234,048 | ▲ 23.0% |
| Fixed assets21/28 | - | €4,302 | €2,262 | ▼ 47.4% |
| Tangible fixed assets22/27 | - | €4,302 | €2,262 | ▼ 47.4% |
| Furniture and vehicles24 | - | €4,302 | €2,262 | ▼ 47.4% |
| Current assets29/58 | €114,302 | €185,989 | €231,786 | ▲ 24.6% |
| Amounts receivable within one year40/41 | €18,150 | €18,150 | €19,941 | ▲ 9.9% |
| Trade receivables40 | €18,150 | €18,150 | €18,150 | = |
| Other amounts receivable41 | - | - | €1,791 | - |
| Cash at bank and in hand54/58 | €96,044 | €166,026 | €209,434 | ▲ 26.1% |
| Deferred charges and accrued income490/1 | €108 | €1,813 | €2,411 | ▲ 33.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €114,302 | €190,291 | €234,048 | ▲ 23.0% |
| Equity10/15 | €80,409 | €146,241 | €210,335 | ▲ 43.8% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | - | €65,832 | €65,832 | = |
| Distributable reserves133 | - | €65,832 | €65,832 | = |
| Profit (loss) carried forward14 | €75,409 | €75,409 | €139,503 | ▲ 85.0% |
| Amounts payable17/49 | €33,894 | €44,050 | €23,713 | ▼ 46.2% |
| Amounts payable within one year42/48 | €33,894 | €44,050 | €23,713 | ▼ 46.2% |
| Trade debts44 | €726 | €2,024 | €3,377 | ▲ 66.8% |
| Suppliers440/4 | €726 | €2,024 | €3,377 | ▲ 66.8% |
| Taxes, remuneration and social security45 | €31,383 | €38,456 | €18,525 | ▼ 51.8% |
| Taxes450/3 | €28,405 | €35,478 | €15,547 | ▼ 56.2% |
| Remuneration and social security454/9 | €2,978 | €2,978 | €2,978 | = |
| Other amounts payable47/48 | €1,785 | €3,570 | €1,811 | ▼ 49.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €75,409 | €65,833 | €64,094 | ▼ 2.6% |
| + Depreciation and write-downs630 | - | €1,817 | €2,040 | ▲ 12.3% |
| Operating cash flow (approximation) | €75,409 | €67,650 | €66,134 | ▼ 2.2% |
| Investment in fixed assets (approximation) | - | - | €0 | - |
| Change in cash | - | €69,982 | €43,408 | ▼ 38.0% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
1 director, no change since 2023
VAN BIESEN Jozef Louis Maria
Current
Director (not named in the articles) · since 05-01-2023 · term without a fixed end · listed in the 2023 annual accounts, filed on 10-06-2024
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Artikel 13. Bevoegdheden van het bestuursorgaan Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan…”
deed of 11-01-2023Owners and capital
Shareholders
At incorporation
act of 11-01-2023 ↗
- VAN BIESEN Jozef Louis Maria 10 shares (100%) · €5,000
Capital transactions
Capital over time
- 11-01-2023 Incorporation · €5,000
- 11-01-2023 Incorporation · €5,000 · 10 shares
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Benoemd met of zonder beperking van duur, 1”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Algemene vergadering mag één of meerdere vereffenaars aanduiden bevoegdheden omlijnen en vergoeding bepalen, bestuurder(s) in functie…”
Articles of association, deed of 11-01-2023 (in Dutch)
Network & group
Companies at the same address
1 other companyConnections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
Van Biesen - Everaert
Shared director
→
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
23-03
micro format · 130 days before the deadline
2025
31-12
Financial
Liquidity more than doubledcurrent ratio 9.77
The current ratio rises from 4.22 to 9.77. Short-term debt falls from €44,050 to €23,713.
31-12
Financial
Equity above €200,000equity €210,335 ▲43.8%
With a profit in every financial year since 2023, equity grows to €210,335.
15-06
micro format · 46 days before the deadline
2024
31-12
Financial
Equity above €100,000equity €146,241 ▲81.9%
With a profit in every financial year since 2023, equity grows to €146,241.
10-06
micro format · 51 days before the deadline
2023
11-01
Gazette deed
IncorporationStarting capital €5,000 · Appointment: VAN BIESEN Jozef Louis Maria (director) · Founder11 points ▸
Gazette deed
Incorporation
Starting capital €5,000 · Appointment: VAN BIESEN Jozef Louis Maria (director) · Founder11 points ▸
- Founder, VAN BIESEN Jozef Louis Maria
- Incorporation, “J.VB” (deed in Dutch)
- Founding capital, €5,000, mentioned 2 times in the deed
- Other provision, “toereikendheid aanvangsvermogen, toereikend voor voorgenomen activiteiten” (deed in Dutch)
- Other provision, 09-12-2022
- Bank account, “BE87 7370 6671 2094, bijzondere rekening namens vennootschap in oprichting” (deed in Dutch)
- Other provision, “deponering en beschikking”, EUR (deed in Dutch)
- Share issue, 10, “vergoeding voor inbrengen” (deed in Dutch)
- Registered office clause, “1730 Asse,Schaapeuzel 9” (deed in Dutch)
- Other provision, 1, “aantal bestuurders” (deed in Dutch)
- Director appointment, VAN BIESEN Jozef Louis Maria (director (not named in the articles))
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
J.VB in Dutch
Enterprise number
0795.864.709
Legal form
Private limited company
Status
Active, normale toestand
Founded
09-01-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 11-01-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Kan bij enkel besluit bestuursorgaan administratieve zetels agentschappen werkhuizen stapelplaatsen bijkantoren vestigen in België of…”
deed of 11-01-2023 (in Dutch)Registered office and establishments
Registered office
Schaapeuzel 9, 1730 Asse, Belgium
Establishment unit
J.VB, Schaapeuzel 9, 1730 Asse since 09-01-2023 · unit number 2.340.232.292
Activities
NACEBEL 202564210
Activities of holding companies main activity
70200
Business and other management consultancy
Codes under NACEBEL 2008
64200
Holdings main activity
70220
Business consulting
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 11-01-2023 (in Dutch)
“Het ontwikkelen van managementprojecten en diensten in alle industriële,commerciële en dienstensectoren,het verschaffen,zowel aan…”
20 activities
- Het ontwikkelen van managementprojecten en diensten in alle industriële,commerciële en dienstensectoren,het verschaffen,zowel aan individuele personen als aan vennootschappen van alle prestaties,diensten en adviezen inzake management,het uitvoeren en waarnemen van managementactiviteiten (ook van holdings) in de ruimste zin van het woord met inbegrip van het waarnemen van bestuurdersmandaten
- Het ontwikkelen,kopen,verkopen,beheren in waarde stellen,in licentie nemen of geven van brevetten,octrooien,know-how en andere intellectuele rechten
- Het verlenen van dienstprestaties van juridische en economische aard,zowel in eigen beheer als in deelname met derden,daartoe behoren techno-consult,assistentie op gebied van management,engineering,consulting en franchising,technisch,commercieel en administratief beheer en advies,alsook het ter beschikking stellen en het huren en verhuren van personeel
- Het uitvoeren van alle studies en onderzoek,het verrichten van marktonderzoek,promotie,prospectie,marketing
- De besturing van diverse problemen in verband met het opvatten en uitwerken van projecten van allerlei aard,zowel problemen van administratieve,organisatorische,financiële,juridische,planografische of technische aard en alle aanverwante vraagstukken,de eventuele tenuitvoerlegging van deze projecten onder eigen beheer of in mede-beheer,voor eigen rekening of voor rekening van derden,het ter beschikking stellen en/of verhuren van goederen tegen vergoeding,van gebouwen,lokalen,materieel,rollend materieel,meubelen,producten en communicatiemedia in het kader van de in haar voorwerp genoemde activiteiten
- De vennootschap kan haar diensten verlenen onder elke vorm,aan alle personen,zowel rechtspersonen als natuurlijke personen en kan elke hiertoe strekkende handelstransactie of financiële verrichtingen doen
- De publiciteit,reclame,marketing en algemeen communicatie onder alle vormen en het uitvoeren van alle werken die voor de verwezenlijking van publiciteit,reclame,marketing en algemene communicatie noodzakelijk zijn,zonder enige beperking
- De groot- en kleinhandel in het algemeen
- Het vervaardigen,ontwerpen en produceren van gereedschappen,machines,toestellen en apparatuur in de meest ruime zin,alsook het onderhouden en herstellen ervan
- Het verlenen van adviezen omtrent het ontwerpen,beheren,herstellen en vervaardigen van gereedschappen,machines,toestellen en apparaten in de meest ruime zin
- Het verhuren of ter beschikking stellen van machines,werktuigen,gereedschap en uitrusting,vervoersmiddelen,apparaten en toestellen
- De groot- en kleinhandel in tweedehandsauto’s en onderdelen
- De huur,verhuur,leasing van rollend materieel,inbegrepen personenwagens,vrachtwagens,diverse machines,zonder dat deze opsomming beperkend is
- De vennootschap kan ook optreden als tussenpersoon inzake handel,in de ruimste zin van het woord,waaronder verstaan makelaarsactiviteiten,commissiehandel en agentuur zowel in binnen- als buitenlandse markt
- Het geven van opleiding(en) en cursussen allerhande
- Het patrimonium van de vennootschap te beheren in de ruimste zin van het woord,en oordeelkundig uit te breiden,alle beschikbare middelen te beleggen of weder te beleggen,zowel in roerende als in onroerende goederen,met uitsluiting van de handelingen van vastgoedmakelaar
- Overgaan tot het aankopen,onderschrijven,beheren,verkopen,omruilen voor eigen rekening van aandelen,deelbewijzen en/of effecten allerlei van vennootschappen en/of verenigingen eender welke,alsmede van andere roerende en/of onroerende waarden,tegoeden en/of vorderingen
- Overgaan tot het aankopen,verkopen,bouwen,verbouwen,opschikken,uitrusten,valoriseren,verhuren,onderverhuren,in huur nemen of leasen van onroerende goederen,al dan niet gemeubeld
- Het ruimen van bouwterreinen,isolatiewerkzaamheden,bouwen van funderingen,monteren van niet-zelf vervaardigde metalen constructiewerken,uitvoeren van hijs- en hefwerkzaamheden voor rekening van derden,optrekken en afbreken van steigers en werkplatforms
- Ondersteunende activiteiten in verband met de landbouw
Invoicing and payment
VAT number
BE 0795.864.709
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Saturday of June at 13:00
deed of 11-01-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
3,142 m²
Building footprint
325 m²
Building volume
1,145 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23002K0018/00E000 | Flanders | 3,142 m² | 1 · 325 m² | 5.5 m · 1 |