Summary
JVCON 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 €731k and a net result of €169k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 8023 sector peers (fiscal year 2025). The company has been active since 2012 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
29 d early
2023
27 d early
2022
27 d early
2021
16 d early
2020
15 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€731k▲ 12.4%
2024 · €650k
2019: €201k
2020: €269k
2021: €356k
2022: €446k
2023: €547k
2024: €650k
2019 → 2025
Net result
€169k▲ 21.7%
2024 · €139k
2019: €53k
2020: €108k
2021: €137k
2022: €140k
2023: €136k
2024: €139k
2019 → 2025
Total assets
€784k▲ 14.6%
2024 · €684k
2019: €288k
2020: €309k
2021: €389k
2022: €485k
2023: €589k
2024: €684k
2019 → 2025
Solvency
93.2%▼ 1.8pp
2024 · 95.0%
2019: 69.9%
2020: 87.1%
2021: 91.4%
2022: 92.0%
2023: 92.8%
2024: 95.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€356k-€446k▲ 25.4%€547k▲ 22.5%€650k▲ 19.0%€731k▲ 12.4%
Operating result€192k-€204k▲ 6.1%€193k▼ 5.0%€205k▲ 6.0%€249k▲ 21.3%
Net result€137k-€140k▲ 2.8%€136k▼ 3.1%€139k▲ 1.8%€169k▲ 21.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €784k
Fixed assets
€53k ▼ 5.3%
Current assets
€732k ▲ 16.4%
Equity and liabilities €784k
Equity
€731k ▲ 12.4%
Debt
€53k ▲ 56.5%
Debt's share of the balance-sheet total rises from 5.0% to 6.8%. Equity and debt are higher.
Key figures and ratios
ROE
23.1%▲
2024 · 21.3%
ROA
21.5%▲
2024 · 20.3%
Debt ≤ 1 year
€53k▲
2024 · €33k
Income taxes
€78k▲
2024 · €60k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€684k€784k▲
Fixed assets21/28€55k€53k▼
Tangible fixed assets22/27€55k€53k▼
Land and buildings22€46k€42k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€7k€9k▲
Current assets29/58€629k€732k▲
Amounts receivable within one year40/41€50k€143k▲
Trade receivables40€42k€114k▲
Other amounts receivable41€8k€29k▲
Current investments50/53€200k-
Cash at bank and in hand54/58€378k€586k▲
Deferred charges and accrued income490/1€294€3k▲
Equity and liabilities
Total equity and liabilities10/49€684k€784k▲
Equity10/15€650k€731k▲
Contributions10/11€6k€6k=
Reserves13€644k€725k▲
Tax-exempt reserves132€25k€25k=
Distributable reserves133€619k€700k▲
Amounts payable17/49€34k€53k▲
Amounts payable within one year42/48€33k€53k▲
Trade debts44€12k€14k▲
Suppliers440/4€12k€14k▲
Taxes, remuneration and social security45€22k€39k▲
Taxes450/3€18k€36k▲
Remuneration and social security454/9€3k€3k=
Accrued charges and deferred income492/3€775€675▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€219k€263k▲
Operating profit (loss)9901€205k€249k▲
Financial income75/76B€7€3k▲
Recurring financial income75€7€3k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€199k€247k▲
Income taxes67/77€60k€78k▲
Profit (loss) for the period9904€139k€169k▲
Profit (loss) for the period to be appropriated9905€139k€169k▲
Appropriation of the result
Profit (loss) to be appropriated9906€139k€169k▲
Transfer from equity791/2€35k€88k▲
Transfer to equity691/2€139k€169k▲
To other reserves6921€139k€169k▲
Profit to be distributed694/7€35k€88k▲
Return on contributions (dividend)694€35k€88k▲
The notes to these accounts (5 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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €169k ▲21.7%
Operating result €249k, net result €169k, both a record.
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €500kEq €547k ▲22.5%
5 profitable years in a row build equity to €547k.
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 14.05
Current ratio from 6.85 to 14.05; short-term debt falls from €40k to €25k.
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 6.85
Current ratio from 3.12 to 6.85; short-term debt falls from €79k to €40k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Zottegem · 1 establishment unit since 2012
Ground area
718 m²
Building footprint
156 m²
Volume, LiDAR
699 m³
Parcel 41013B0719/00F000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JVCON
since 20122.209.590.615
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41013B0719/00F000 | Flanders | 718 m² | 1 · 156 m² | 6.3 m · 1 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,278 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-05-2012
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
64999Other financial services
68110Buying and selling of own real estate
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.