Equity
€99,671 ▲ 31.5%
JVb has made a profit in every financial year since 2021.
JVb
Overview
Lifetime
5 annual accounts with figures on one time axispeak €54,286 (2021)
€36,496▲ 29.9%
peak €28,901 (2021)
€23,882▲ 30.5%
peak €99,671 (2025)
€99,671▲ 31.5%
€9,965▼ 22.4%
Board2 names since 2020
1 directorJochem VERBEEK
Documentsfilings and deeds
30-03-202631 days before the deadline
2025micro format
Gross margin from €28,101 to €36,496Result from €18,305 to €23,882Equity from €75,789 to €99,671Debts from €12,838 to €9,965
Key points
from the 2025 annual accountsLiquidity
10.95 was 6.83 in 2024
Short-term debts fell from €12,838 to €9,965.
Position in the sector
90.9%
Higher solvency than 94% of companies in land transport. Sector median 37.7% · 5,940 companies.
Checked score
97
Excellent
Financially stronger than 87% of micro companies in land transport (NACE 49)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 9,102 companies (NACE 49, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.3%▲ +0.1 percentage points vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025highest value
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.2%▼ -0.1 percentage points vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.1%▼ -0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Land transport and transport via pipelines (NACE 49)
Founded in 2020
lowers risk
Liquidity: current ratio 10.95, cash €100,606
Equity €99,671 (90.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 49, micro). It does better than 92% of them on solvency, 99% on liquidity, 85% on profitability and 74% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as JVb has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JVb itself is lower: 0.1% within 12 months. It rests on far more data about JVb than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for JVb. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 10.95 (6.83 in 2024), above the usual 1.5. Short-term debt is 9.1% and cash 91.8% of total assets. 9.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-03-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 days early
2024
36 days early
2023
43 days early
2022
46 days early
2021
4 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 32 days before the deadline. In the sector (NACE 49), the median for financial year 2024 was on the deadline day, and 49% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 25 March (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end08-11-2026 today30-04-2027 deadline
Recent changes
Incorporation
Founder: Jochem VERBEEK (verschijner) · Founding capital of €1,000, 10 shares · Appointments: Jochem VERBEEK (director) and VERBEEK Jozef Franciscus (director) · published on 03-04-2020 · Gazette deed
First establishment
Smallerijt 5, Geel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JVb Geel | €109,636 | €36,496 | 90.9% | - |
| MK1 Team Antwerp | €106,419 | €38,592 | 12.1% | - |
| Konings Transport Retie | €93,653 | €36,595 | 2.1% | - |
| ULX COMPANY Kapellen | €115,568 | €36,149 | 68.1% | - |
| ROFRA Meerhout | €94,179 | €31,295 | 21.5% | - |
| Stay Cool Ranst | €107,397 | €47,115 | 13.4% | - |
| LanMeCo Deinze | €120,058 | €34,135 | 53.1% | - |
These companies have the same main activity as JVb: freight transport by road (NACE 49410). They are comparable in size and age: total assets between €93,700 and €120,000, founded between 2018 and 2021.
Official details
Source: KBO- Status
- Active since 01-04-2020Normal situation
- Activity
- Freight transport by roadNACE 49410and 1 other
- Establishment unit
- 2.300.743.1962440 Geel, since 01-04-2020
- Financial year end
- 30 September
- Peppol
- Reachable
Annual accounts to 30-09-2025
- €36,496▲ 29.9%
- ≈ €130,000estimated
- €23,882▲ 30.5%
- €99,671▲ 31.5%
- €109,636▲ 23.7%
- Filing
- Filed on 30-03-2026, 31 days before the end of the filing period
Insights on JVb
JVb files the micro format. That format states no turnover. The gross margin fell from €54,286 in 2021 to €36,496 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-03-2026, 31 days before the deadline€36,496
▲ 29.9%
€35,478
▲ 29.9%
€23,882
▲ 30.5%
€99,147
▲ 32.4%
90.9%
▲ 5.4 percentage points
10.95
▲ 4.12
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €95,000 and €190,000.
Balance sheet
balance sheet total €109,636 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
90.9%
Higher than 94% of 5,940 companies in 2025.
10.95
Higher than 95% of 5,694 companies in 2025.
21.8%
Higher than 83% of 5,757 companies in 2025.
JVb
Middle half of the sector
80% of the sector
Micro accounts in land transport (NACE 49)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
109,636 | 88,627 | 68,994 | 49,759 | 42,490 | |
21/28 |
524 | 898 | - | - | 4,286 | |
22/27 |
524 | 898 | - | - | 4,286 | |
24 |
524 | 898 | - | - | 4,286 | |
29/58 |
109,112 | 87,729 | 68,994 | 49,759 | 38,204 | |
40/41 |
8,506 | 8,621 | 7,498 | 12,228 | 9,114 | |
40 |
8,506 | 8,621 | 7,498 | 7,521 | 8,643 | |
41 |
- | - | - | 4,707 | 471 | |
54/58 |
100,606 | 79,108 | 60,506 | 37,531 | 28,100 | |
490/1 |
- | - | 990 | - | 990 | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
109,636 | 88,627 | 68,994 | 49,759 | 42,490 | |
10/15 |
99,671 | 75,789 | 57,484 | 42,420 | 29,901 | |
10/11 |
1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |
13 |
98,500 | 74,700 | 56,400 | 41,400 | 28,900 | |
133 |
98,500 | 74,700 | 56,400 | 41,400 | 28,900 | |
14 |
171 | 89 | 84 | 20 | 1 | |
17/49 |
9,965 | 12,838 | 11,510 | 7,339 | 12,589 | |
42/48 |
9,965 | 12,838 | 11,510 | 7,339 | 12,589 | |
44 |
1,741 | 831 | 2,644 | 1,865 | 2,210 | |
440/4 |
1,741 | 831 | 2,644 | 1,865 | 2,210 | |
45 |
8,058 | 11,999 | 8,721 | 5,474 | 10,379 | |
450/3 |
5,611 | 9,575 | 6,355 | 3,153 | 10,379 | |
454/9 |
2,447 | 2,424 | 2,366 | 2,321 | - | |
47/48 |
166 | 8 | 145 | - | - | |
| Income statement | ||||||
9900 |
36,496 | 28,101 | 21,266 | 22,049 | 54,286 | |
630 |
374 | 225 | - | 4,286 | 11,051 | |
640/8 |
644 | 561 | 234 | 317 | 225 | |
9901 |
35,478 | 27,315 | 21,032 | 17,446 | 43,010 | |
75/76B |
- | - | 1 | 92 | - | |
75 |
- | - | 1 | 92 | - | |
65/66B |
69 | 65 | 34 | 32 | 33 | |
65 |
69 | 65 | 34 | 32 | 33 | |
9903 |
35,409 | 27,250 | 20,999 | 17,506 | 42,977 | |
67/77 |
11,527 | 8,945 | 5,935 | 4,987 | 14,076 | |
9904 |
23,882 | 18,305 | 15,064 | 12,519 | 28,901 | |
9905 |
23,882 | 18,305 | 15,064 | 12,519 | 28,901 | |
| Appropriation of the result | ||||||
9906 |
23,971 | 18,389 | 15,084 | 12,520 | 28,901 | |
14P |
89 | 84 | 20 | 1 | - | |
691/2 |
23,800 | 18,300 | 15,000 | 12,500 | 28,900 | |
6921 |
23,800 | 18,300 | 15,000 | 12,500 | 28,900 | |
| Document | ||||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 30-03-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 30-03-2026 | 2026-00066169 | |
| 30-09-2024 | micro format | 25-03-2025 | 2025-00053184 | |
| 30-09-2023 | micro format | 18-03-2024 | 2024-00044764 | |
| 30-09-2022 | micro format | 15-03-2023 | 2023-00039655 | |
| 30-09-2021 | micro format | 26-04-2022 | 2022-20008574 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| 35,852 | 27,540 | - | 21,732 | 54,061 | ||
| 24,256 | 18,530 | - | 16,805 | 39,952 | ||
| 0 | 1,123 | - | 0 | 15,337 | ||
| 21,498 | 18,602 | 22,975 | 9,431 | - | ||
| 99,147 | 74,891 | 57,484 | 42,420 | 25,615 | ||
| 90.9% | 85.5% | 83.3% | 85.3% | 70.4% | ||
| 10.95 | 6.83 | 5.99 | 6.78 | 3.03 | ||
| 0.10 | 0.17 | 0.20 | 0.17 | 0.42 | ||
| 24.0% | 24.2% | 26.2% | 29.5% | 96.7% | ||
| 21.8% | 20.7% | 21.8% | 25.2% | 68.0% | ||
| over 100 | over 100 | - | over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €1,123 | - | - | €15,337 |
| €374 | €225 | - | €4,286 | €11,051 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on JVb
The operating result for 2025 is 30% higher than in 2024 and the highest since 2021. It is the third rise in a row, after the fall in 2022.
Debt's share of the balance-sheet total falls from 14.5% to 9.1%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector
since 01-04-2020
term without a fixed end
listed in the 2025 annual accounts, filed on 30-03-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 03-04-2020
Mandates through the years
2 names, the dashed line is todayJochem VERBEEK
Director
Director
VERBEEK Jozef Franciscus
Director
Director
BoardEarlierend not dated
Mandates as a list
- Jochem VERBEEK
- Director, from 01-04-2020 to date
- VERBEEK Jozef Franciscus
- Director, appointed by deed of 03-04-2020, no longer listed in the 2025 annual accounts
Control
Capital
- Contribution
- €1,000
- Source
- 2025 annual accounts
Articles of association
deed of 03-04-2020 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Op naam, aandeelhouders mogen kennis nemen betreffende hun effecten”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Founder
At incorporation
deed of 03-04-2020 ↗
- Jochem VERBEEK sole founder · 100% at incorporation
Network & group
No group
JVb has no parent and no holdings in its annual accounts. Jochem VERBEEK is the only director. JVb shares no director with another company.
Timeline
Timeline
9 events since 2020Filings
Financial
Establishments
2020202220242026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 31 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 36 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 43 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 46 days before the deadline
2022
Weakest financial year net €12,519 ▼56.7% The net result drops to €12,519, the lowest from 2021 to 2025. It recovers the following year.
Liquidity more than doubled current ratio 6.78 The current ratio rises from 3.03 to 6.78. Short-term debt falls from €12,589 to €7,339.
Annual accounts 2021 filed PDFmicro format · 4 days before the deadline
2020
IncorporationFounder: Jochem VERBEEK (verschijner) · Founding capital of €1,000, 10 shares · Appointments: Jochem VERBEEK (director) and VERBEEK Jozef Franciscus (director) · published on 03-04-20205 points ▸
- Director appointment, Jochem VERBEEK
- Director appointment, VERBEEK Jozef Franciscus
- Registered office clause, Smallerijt 5, 2440 Geel
- Founder, Jochem VERBEEK (verschijner)
- Founding capital, €1,000, 10 shares
- The deed holds 6 more points.
First establishment Smallerijt 5, Geel
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
JVb was incorporated on 1 April 2020 as a private limited company.1 Since 2020, Jochem VERBEEK has served as director.2 Total assets rose from €42,490 in 2021 to €109,636 in 2025.3
Company details
Identity
- Enterprise number
- 0745.757.774
- VAT number
- BE 0745.757.774
- Peppol ID
- 0208:0745757774
- Other Peppol ID
- 9925:BE0745757774
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 01-04-2020
- Financial year
- ends on 30 September
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- JVb in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 03-04-2020 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 03-04-2020 (in Dutch)
Activities
NACEBEL 202549410
Freight transport by road main activity
Codes under NACEBEL 2008
49410
Road freight transport main activity
45206
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het vervoer van dranken in opdracht en voor rekening van,met eigen voertuigen of met voertuigen van zijn opdrachtgever,alsook de…”deed of 03-04-2020 (in Dutch)
3 activities
- Het vervoer van dranken in opdracht en voor rekening van,met eigen voertuigen of met voertuigen van zijn opdrachtgever,alsook de schoonmaak(waxen en polieren)van voertuigen(geen carwash)
- Overige zakelijke dienstverlening,niet eerder genoemd
- Verhuur en exploitatie van eigen of geleased residentieel onroerend goed,exclusief sociale woningen,van eigen of geleased niet-residentieel onroerend goed,exclusief terreinen en verhuur en exploitatie van terreinen
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Smallerijt 5 registered office 2440 Geel | 01-04-2020 | 2.300.743.196 |
Buildings and parcels at the address
- Ground area
- 2,003 m²
- Buildings
- 188 m²
- Volume, LiDAR
- 971 m³
- Tallest building
- 7.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 13375N0851/00P000 | 2,003 m² | 1 · 188 m² | 7.4 m · 2 |