Financials
- Fiscal year
- 2025
- Total assets
- €1.0m
- Profit
- €108,597
- Solvency
- 78.5%
Total assets▲ 11.4%
Net result
20192025
J+VC
ActiveSummary
J+VC has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €814,326 and a net result of €108,597. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 18866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Computer consultancy and computer facilities management
NACE 62200IT consultancy NACE 62020
#4 company by equity in Putte, Telecoms and IT sector1 site
Size
€1.0mtotal assets 2025
- Equity
- €814,326
- Profit
- €108,597
Turnover not published (abridged schema)
Structure
Accounts filed 56 d late0 of 2 deeds read
Why 95- Latest accounts 56 days late; 3 of the last 3 late+ Sector Computer programming, consultancy and related activities (NACE 62)+ Liquidity: current ratio 1.48, cash €220,012+ Size: total assets €1.0mShow the evidence
Checked score
Score 2025
95
/ 100
Excellent
Probability in this band: under 0.55%
Better than 60% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 78.5% of total assets
Liquidity
69+11
short-term debt 21.5% · cash 21.2%
Profitability
82-3
return on assets 10.5%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 12 months
11-2025: 0.1%
12-2025: 0.1%● 0.0% vs 11-2025
01-2026: 0.1%▼ -1.8% vs 12-2025
02-2026: 0.1%▲ +0.9% vs 01-2026
03-2026: 0.1%▼ -0.9% vs 02-2026
04-2026: 0.1%▼ -3.6% vs 03-2026
05-2026: 0.1%● 0.0% vs 04-2026
06-2026: 0.1%▲ +6.6% vs 05-2026
07-2026: 0.1%▲ +15.0% vs 06-2026
08-2026: 0.2%▲ +90.8% vs 07-2026
09-2026: 0.3%▲ +24.2% vs 08-2026highest value
10-2026: 0.1%▼ -82.5% vs 09-2026lowest value
- Latest accounts 56 days late; 3 of the last 3 late raises the probability
- Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
- Liquidity: current ratio 1.48, cash €220,012 lowers the probability
- Size: total assets €1.0m lowers the probability for this profile
Credit up to €75,000 at 30 days acceptable
Liquidity tight (current ratio 1.48 against 0.91 in 2024; short-term debt: 21.5% and cash: 21.2% of total assets), and 21.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 84%, liquidity 52%, profitability 43%, growth against the median 61%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 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 · 7 filingsDeviation from the deadline
2025
56 d late
2024
42 d late
2023
61 d late
2022
57 d late
2021
31 d late
2020
1 d early
2019
34 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
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. Usually files around 25 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 10
- Since
- 2020
- Next accounts
- by 31-07-2027
- 25-09-2026Annual accounts filed
- 11-09-2025Annual accounts filed
- 30-09-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Founded
- 13-03-2018
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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