JOLIEN VDM

Active

Private limited companyfounded 20197 yrs activeAnnovenstraat 67, 9688 Maarkedal, BelgiumKBO/BCE: BE 0734.641.376

The computed 12-month bankruptcy probability of JOLIEN VDM is 2.4% (moderate). The 2024 annual accounts show equity of €16k and a net result of €-1k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 52% of 26043 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

49 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability47▼-30

Solvency60▼-3

Growth32=

Track record100

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 1.0 against 1.07 in 2023; short-term debt: 64.9% and cash: 18.4% of total assets), and 64.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

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 2024

Solvency, return and age of the figures

Solvency

35.1%

Return on assets

-2.8%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-09-2025, 58 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 · 5 filings

Deviation from the deadline

2025

not confirmed

2024

58 d late

2023

14 d early

2022

17 d late

2021

16 d late

2020

25 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€16k▼ 7.5%

2023 · €18k

2020: €23k 2021: €9k 2022: €14k 2023: €18k

2020 → 2024

Total assets

€46k▼ 1.2%

2023 · €47k

2020: €30k 2021: €41k 2022: €47k 2023: €47k

2020 → 2024

Net result

€-1k

2023 · €3k

2020: €17k 2021: €-14k 2022: €5k 2023: €3k

2020 → 2024

Working capital

€-104

2023 · €2k

2020: €22k 2021: €4k 2022: €-7k 2023: €2k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€23k-€9k▼ 60.6%€14k▲ 58.6%€18k▲ 21.4%€16k▼ 7.5%

Operating result€19k-€-13k€6k€6k▼ 1.2%€1k▼ 83.6%

Net result€17k-€-14k€5k€3k▼ 42.0%€-1k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2024 is 84% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €46k

35.4%

64.6%

Fixed assets €16k▼ 17.0%

Current assets €30k▲ 10.4%

Equity and liabilities €46k

35.1%

64.9%

Equity €16k▼ 7.5%

Debt €30k▲ 2.6%

The debt ratio rises from 62.5% to 64.9%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€6k▼

2023 · €11k

Cash flow

€3k▼

2023 · €7k

Solvency

35.1%▼

2023 · 37.5%

Current ratio

1.00▼

2023 · 1.07

Quick ratio

1.00▼

2023 · 1.07

Debt / equity

1.85▲

2023 · 1.66

ROE

-8.1%▼

2023 · 17.6%

ROA

-2.8%▼

2023 · 6.6%

Interest coverage

3.86▼

2023 · 10.03

Debt

€30k▲

2023 · €29k

Debt ≤ 1 year

€30k▲

2023 · €25k

Income taxes

€866▼

2023 · €2k

Staff costs

€30k▼

2023 · €30k

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€47k€46k▼

Fixed assets21/28€20k€16k▼

Tangible fixed assets22/27€11k€7k▼

Furniture and vehicles24€11k€7k▼

Financial fixed assets28€9k€9k=

Current assets29/58€27k€30k▲

Amounts receivable within one year40/41€22k€21k▼

Trade receivables40€17k€13k▼

Other amounts receivable41€5k€8k▲

Cash at bank and in hand54/58€4k€8k▲

Deferred charges and accrued income490/1€1k€739▼

Equity and liabilities

Total equity and liabilities10/49€47k€46k▼

Equity10/15€18k€16k▼

Contributions10/11€6k€6k=

Reserves13€11k€11k=

Non-distributable reserves130/1€620€620=

Reserves not available under the articles1311€620€620=

Distributable reserves133€11k€11k=

Profit (loss) carried forward14-€-1k

Amounts payable17/49€29k€30k▲

Amounts payable after more than one year17€4k-

Financial debts170/4€4k-

Amounts payable within one year42/48€25k€30k▲

Current portion of amounts payable after more than one year42€5k€4k▼

Trade debts44€3k€4k▲

Suppliers440/4€3k€4k▲

Taxes, remuneration and social security45€10k€12k▲

Taxes450/3€10k€12k▲

Other amounts payable47/48€8k€10k▲

Income statement Code20232024

Remuneration, social security and pensions62€30k€30k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲

Other operating charges640/8€3k€4k▲

Gross operating margin9900€44k€40k▼

Operating profit (loss)9901€6k€1k▼

Financial income75/76B-€0

Recurring financial income75-€0

Financial charges65/66B€1k€1k▲

Recurring financial charges65€1k€1k▲

Profit (loss) for the period before taxes9903€5k€-442▼

Income taxes67/77€2k€866▼

Profit (loss) for the period9904€3k€-1k▼

Profit (loss) for the period to be appropriated9905€3k€-1k▼

Appropriation of the result

Profit (loss) to be appropriated9906€11k€-1k▼

Profit (loss) brought forward from the previous period14P€8k-

Transfer to equity691/2€11k-

To the legal reserve6920€11k-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

2025

27-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 58 days late

2024

17-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

17-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 17 days late

2022

31-12

Financial Back to profitnet €5k

Net result €5k after one loss-making year.

16-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 16 days late

2021

31-12

Financial Weakest financial yearnet €-14k ▼183%

Net result drops to €-14k, the lowest in the series; recovery starts the following year.

25-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 25 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Maarkedal · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Annovenstraat 679688 Maarkedal

Ground area

1.5 ha

Building footprint

4,590 m²

Volume, LiDAR

34,861 m³

2 parcels, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

JOLIEN VDM

Zonnebloemstraat(Onk) 11-13, 9500 GeraardsbergenAgents in the wholesale of textiles, clothing, fur, footwear and leather goods

since 20192.293.425.735

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41050A0688/00R000	Flanders	1.4 ha	1 · 4,476 m²	12.3 m · 3 fl.
45044B0579/00L000	Flanders	539 m²	1 · 113 m²	9.2 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Dual-learning approval

6 ended

Similar companies · same sector, comparable size

Chaudfontaine · Eq €16k

Of 2,211 companies in sector 47711 we hold annual accounts for 889. 573 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-09-2019

Fiscal year end31-12

Activities, NACEBEL

47711Retail sale of women's outerwear

47770Retail sale of watches and jewellery

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.