JRV 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 €117k and a net result of €17k. Its solvency ranks better than 6% of 5523 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€117k
Net result
€17k
Total assets
€7.45M
Solvency
1.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €7.45M
Fixed assets
€7.31M
Current assets
€142k
Equity and liabilities €7.45M
Equity
€117k
Debt
€7.34M
Debt finances 98.4% of the balance-sheet total.
Key figures and ratios
Solvency
1.6%
ROE
14.7%
ROA
0.2%
Debt
€7.34M
Debt ≤ 1 year
€124k
Debt > 1 year
€7.21M
Income taxes
€9k
Staff costs
€56k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€7.45M
Fixed assets21/28€7.31M
Financial fixed assets28€7.31M
Current assets29/58€142k
Amounts receivable within one year40/41€139k
Other amounts receivable41€139k
Cash at bank and in hand54/58€3k
Deferred charges and accrued income490/1€284
Equity and liabilities
Total equity and liabilities10/49€7.45M
Equity10/15€117k
Contributions10/11€100k
Reserves13€17k
Distributable reserves133€17k
Amounts payable17/49€7.34M
Amounts payable after more than one year17€7.21M
Other amounts payable178/9€7.21M
Amounts payable within one year42/48€124k
Trade debts44€12k
Suppliers440/4€12k
Taxes, remuneration and social security45€30k
Taxes450/3€19k
Remuneration and social security454/9€11k
Other amounts payable47/48€83k
Income statement
Code2025
Remuneration, social security and pensions62€56k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€1k
Gross operating margin9900€85k
Operating profit (loss)9901€26k
Financial charges65/66B€37
Recurring financial charges65€37
Profit (loss) for the period before taxes9903€26k
Income taxes67/77€9k
Profit (loss) for the period9904€17k
Profit (loss) for the period to be appropriated9905€17k
Appropriation of the result
Profit (loss) to be appropriated9906€17k
Transfer to equity691/2€17k
To other reserves6921€17k
Social balance
Average headcount (FTE)90871.0
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Wervik · 1 establishment unit since 2024
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.
Pollepelstraat 128940 WervikGround area
8,198 m²
Building footprint
226 m²
Volume, LiDAR
275 m³
Parcel 33009B0899/00A000, Flanders · tallest building 6.4 m. Linked by address, not a title deed.
1 establishment unit
JRV
since 20242.372.760.847
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33009B0899/00A000 | Flanders | 8,198 m² | 1 · 226 m² | 6.4 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,696 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2024
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.