JVA 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 €236k and a net result of €4k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 8018 sector peers (fiscal year 2025). The company has been active since 2014 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.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
17 d late
2021
19 d late
2020
14 d late
2019
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€236k▼ 7.6%
2024 · €256k
2018: €175k
2019: €189k
2020: €192k
2021: €218k
2022: €245k
2023: €276k
2024: €256k
2018 → 2025
Net result
€4k
2024 · €-1k
2018: €10k
2019: €14k
2020: €3k
2021: €26k
2022: €27k
2023: €24k
2024: €-1k
2018 → 2025
Total assets
€370k▼ 9.0%
2024 · €406k
2018: €286k
2019: €286k
2020: €271k
2021: €296k
2022: €461k
2023: €444k
2024: €406k
2018 → 2025
Solvency
63.9%▲ 1.0pp
2024 · 62.9%
2018: 61.3%
2019: 66.0%
2020: 70.9%
2021: 73.5%
2022: 53.1%
2023: 62.0%
2024: 62.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€218k-€245k▲ 12.6%€276k▲ 12.5%€256k▼ 7.3%€236k▼ 7.6%
Operating result€79k-€34k▼ 57.5%€33k▼ 1.0%€3k▼ 89.6%€10k▲ 203%
Net result€26k-€27k▲ 7.0%€24k▼ 11.4%€-1k€4k
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 203% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €370k
Fixed assets
€247k▼ 8.7%
Current assets
€123k▼ 9.5%
Equity and liabilities €370k
Equity
€236k▼ 7.6%
Debt
€134k▼ 11.4%
The debt ratio falls from 37.1% to 36.1%. Equity and debt are lower.
Key figures and ratios
Solvency
63.9%▲
2024 · 62.9%
ROE
1.8%▲
2024 · -0.5%
ROA
1.1%▲
2024 · -0.3%
Debt
€134k▼
2024 · €151k
Debt ≤ 1 year
€132k▼
2024 · €133k
Debt > 1 year
€2k▼
2024 · €18k
Income taxes
€2k▼
2024 · €5k
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€406k€370k▼
Fixed assets21/28€271k€247k▼
Tangible fixed assets22/27€271k€247k▼
Land and buildings22€195k€187k▼
Plant, machinery and equipment23€23k€22k▼
Furniture and vehicles24€22k€14k▼
Other tangible fixed assets26€30k€24k▼
Current assets29/58€136k€123k▼
Stocks and contracts in progress3€10k€10k=
Stocks30/36€10k€10k=
Amounts receivable within one year40/41€117k€98k▼
Trade receivables40€3k€3k▼
Other amounts receivable41€114k€95k▼
Current investments50/53€9k-
Cash at bank and in hand54/58-€15k
Equity and liabilities
Total equity and liabilities10/49€406k€370k▼
Equity10/15€256k€236k▼
Contributions10/11€19k€19k=
Reserves13€237k€218k▼
Distributable reserves133€237k€218k▼
Amounts payable17/49€151k€134k▼
Amounts payable after more than one year17€18k€2k▼
Financial debts170/4€18k€2k▼
Amounts payable within one year42/48€133k€132k▼
Current portion of amounts payable after more than one year42€24k€20k▼
Trade debts44-€815
Suppliers440/4-€815
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€101k€106k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Other operating charges640/8€84k€47k▼
Gross operating margin9900€111k€81k▼
Operating profit (loss)9901€3k€10k▲
Financial income75/76B€10k€5k▼
Recurring financial income75€10k€5k▼
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€4k€6k▲
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€-1k€4k▲
Profit (loss) for the period to be appropriated9905€-1k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€4k▲
Transfer from equity791/2€20k€24k▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
Profit to be distributed694/7€19k€24k▲
Return on contributions (dividend)694€19k€24k▲
The notes to these accounts (7 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-1k ▼105%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
30-09
Financial
Highest result since 2018net €27k ▲7%
Net result €27k, the highest in the series.
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
30-09
Financial
Equity above €200kEq €218k ▲13.4%
4 profitable years in a row build equity to €218k.
14-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 14 days late
2020
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Roeselare · 1 establishment unit since 2014
Ground area
1.3 ha
Building footprint
249 m²
Parcel 36017C0449/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
JVA
since 20142.236.412.994
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36017C0449/00D000 | Flanders | 1.3 ha | 1 · 249 m² | - |
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. 13,603 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2014
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.