JV Dakwerken
ActiveJV Dakwerken has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €264k and a net result of €59k. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 55% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+12
Solvency85▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.3 in 2024), and 48.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
51.2%
Return on assets
11.4%
Age of the figures
8 mo
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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
27 d late
2023
2 d late
2022
22 d late
2021
88 d late
2020
24 d late
2019
39 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€264k▲ 28.6%
2024 · €205k
2018: €45k
2019: €37k
2020: €78k
2021: €103k
2022: €150k
2023: €169k
2024: €205k
2018 → 2025
Total assets
€515k▲ 21.0%
2024 · €426k
2018: €509k
2019: €260k
2020: €251k
2021: €314k
2022: €415k
2023: €479k
2024: €426k
2018 → 2025
Net result
€59k▲ 61.7%
2024 · €36k
2018: €-54k
2019: €-20k
2020: €41k
2021: €25k
2022: €47k
2023: €51k
2024: €36k
2018 → 2025
Working capital
€66k▲ 169%
2024 · €24k
2018: €-20k
2019: €-37k
2020: €18k
2021: €17k
2022: €21k
2023: €-31k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€150k▲ 45.2%€169k▲ 12.5%€205k▲ 21.5%€264k▲ 28.6%
Operating result€34k-€78k▲ 131%€80k▲ 2.7%€65k▼ 18.7%€93k▲ 43.5%
Net result€25k-€47k▲ 83.6%€51k▲ 8.4%€36k▼ 28.4%€59k▲ 61.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €515k
Fixed assets
€327k▲ 2.2%
Current assets
€188k▲ 77.9%
Equity and liabilities €515k
Equity
€264k▲ 28.6%
Debt
€252k▲ 14.0%
The debt ratio falls from 51.8% to 48.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€143k▲
2024 · €105k
Cash flow
€108k▲
2024 · €76k
Solvency
51.2%▲
2024 · 48.2%
Current ratio
1.54▲
2024 · 1.30
Quick ratio
1.50▲
2024 · 1.30
Debt / equity
0.95▼
2024 · 1.08
ROE
22.2%▲
2024 · 17.7%
ROA
11.4%▲
2024 · 8.5%
Interest coverage
16.15▲
2024 · 7.39
Debt
€252k▲
2024 · €221k
Debt ≤ 1 year
€122k▲
2024 · €81k
Debt > 1 year
€129k▼
2024 · €139k
Income taxes
€30k▲
2024 · €19k
Staff costs
€94k▲
2024 · €59k
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€426k€515k▲
Fixed assets21/28€320k€327k▲
Intangible fixed assets21-€4k
Tangible fixed assets22/27€320k€323k▲
Land and buildings22€286k€276k▼
Plant, machinery and equipment23€5k€9k▲
Furniture and vehicles24€9k€25k▲
Leasing and similar rights25€21k€14k▼
Current assets29/58€106k€188k▲
Stocks and contracts in progress3-€5k
Stocks30/36-€5k
Amounts receivable within one year40/41€83k€116k▲
Trade receivables40€6k€23k▲
Other amounts receivable41€77k€93k▲
Current investments50/53-€16k
Cash at bank and in hand54/58€8k€36k▲
Deferred charges and accrued income490/1€14k€16k▲
Equity and liabilities
Total equity and liabilities10/49€426k€515k▲
Equity10/15€205k€264k▲
Contributions10/11€5k€5k=
Reserves13€200k€259k▲
Distributable reserves133€200k€259k▲
Amounts payable17/49€221k€252k▲
Amounts payable after more than one year17€139k€129k▼
Financial debts170/4€139k€129k▼
Amounts payable within one year42/48€81k€122k▲
Current portion of amounts payable after more than one year42€24k€29k▲
Financial debts43€20k€24k▲
Credit institutions430/8€20k€379▼
Other loans439-€23k
Trade debts44€27k€41k▲
Suppliers440/4€27k€41k▲
Advances received on contracts in progress46-€21k
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€2k€2k▼
Remuneration and social security454/9€8k€5k▼
Accrued charges and deferred income492/3-€281
Income statement
Code20242025
Non-recurring operating income76A-€15k
Remuneration, social security and pensions62€59k€94k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€49k▲
Other operating charges640/8€10k€6k▼
Gross operating margin9900€173k€242k▲
Operating profit (loss)9901€65k€93k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€14k€9k▼
Recurring financial charges65€14k€9k▼
Profit (loss) for the period before taxes9903€56k€88k▲
Income taxes67/77€19k€30k▲
Profit (loss) for the period9904€36k€59k▲
Profit (loss) for the period to be appropriated9905€36k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€59k▲
Transfer to equity691/2€36k€59k▲
To other reserves6921€36k€59k▲
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €59k ▲61.7%
Operating result €93k, net result €59k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Equity above €200kEq €205k ▲21.5%
5 profitable years in a row build equity to €205k.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Equity above €150kEq €150k ▲45.2%
3 profitable years in a row build equity to €150k.
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 88 days late
2021
31-12
Financial
Equity above €100kEq €103k ▲32.7%
2 profitable years in a row build equity to €103k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Back to profitnet €41k
Net result €41k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.54
Current ratio from 0.51 to 1.54; short-term debt falls from €77k to €33k.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Pelt · 1 establishment unit since 2010
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.
Hoevenstraat 1653900 PeltGround area
117 m²
Building footprint
117 m²
Volume, LiDAR
510 m³
Parcel 72029C0090/00M000, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JV Dakwerken
since 20102.191.885.145
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72029C0090/00M000 | Flanders | 117 m² | 1 · 117 m² | 6.0 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 138 EUR awarded · 138 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 138 EUR | 138 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,243 companies in sector 43230 we hold annual accounts for 1,229. 906 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2010
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.