JVD & Attache 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 €177k and a net result of €36k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 85% of 8018 sector peers (fiscal year 2025). The company has been active since 2020 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 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
9 d early
2024
12 d early
2023
15 d early
2022
26 d early
2021
4 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€177k▲ 25.2%
2024 · €141k
2021: €49k
2022: €79k
2023: €108k
2024: €141k
2021 → 2025
Net result
€36k▲ 7.3%
2024 · €33k
2021: €44k
2022: €30k
2023: €29k
2024: €33k
2021 → 2025
Total assets
€203k▲ 22.0%
2024 · €166k
2021: €82k
2022: €117k
2023: €143k
2024: €166k
2021 → 2025
Solvency
87.2%▲ 2.3pp
2024 · 84.9%
2021: 59.1%
2022: 67.7%
2023: 75.7%
2024: 84.9%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€79k▲ 62.6%€108k▲ 36.6%€141k▲ 30.7%€177k▲ 25.2%
Operating result€64k-€45k▼ 30.2%€43k▼ 4.7%€47k▲ 10.4%€50k▲ 5.4%
Net result€44k-€30k▼ 30.3%€29k▼ 4.8%€33k▲ 14.5%€36k▲ 7.3%
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 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €203k
Fixed assets
€4k▼ 34.8%
Current assets
€199k▲ 24.2%
Equity and liabilities €203k
Equity
€177k▲ 25.2%
Debt
€26k▲ 3.6%
The debt ratio falls from 15.1% to 12.8%. Equity and debt are higher.
Key figures and ratios
Solvency
87.2%▲
2024 · 84.9%
ROE
20.1%▼
2024 · 23.5%
ROA
17.6%▼
2024 · 20.0%
Debt
€26k▲
2024 · €25k
Debt ≤ 1 year
€26k▲
2024 · €25k
Income taxes
€17k▲
2024 · €16k
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€166k€203k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€160k€199k▲
Amounts receivable within one year40/41€31k€20k▼
Trade receivables40€25k€13k▼
Other amounts receivable41€6k€7k▲
Current investments50/53€101k€113k▲
Cash at bank and in hand54/58€24k€59k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€166k€203k▲
Equity10/15€141k€177k▲
Contributions10/11€5k€5k=
Reserves13€136k€172k▲
Distributable reserves133€136k€172k▲
Amounts payable17/49€25k€26k▲
Amounts payable within one year42/48€25k€26k▲
Trade debts44€677€1k▲
Suppliers440/4€677€1k▲
Taxes, remuneration and social security45€15k€14k▼
Taxes450/3€12k€14k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€9k€11k▲
Accrued charges and deferred income492/3€250€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€654€673▲
Gross operating margin9900€49k€53k▲
Operating profit (loss)9901€47k€50k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€110€80▼
Recurring financial charges65€110€80▼
Profit (loss) for the period before taxes9903€49k€53k▲
Income taxes67/77€16k€17k▲
Profit (loss) for the period9904€33k€36k▲
Profit (loss) for the period to be appropriated9905€33k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€36k▲
Transfer to equity691/2€33k€36k▲
To other reserves6921€33k€36k▲
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €177k ▲25.2%
5 profitable years in a row build equity to €177k.
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €29k ▼4.8%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €108k ▲36.6%
3 profitable years in a row build equity to €108k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Diksmuide · 1 establishment unit since 2020
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.
Koekuitstraat(W) 148600 DiksmuideGround area
6,075 m²
Building footprint
176 m²
Volume, LiDAR
931 m³
Parcel 32026A0782/00E000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JVD & Attache
since 20202.300.522.670
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32026A0782/00E000 | Flanders | 6,075 m² | 1 · 176 m² | 7.8 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,482 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.