JVDM
ActiveJVDM 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 €4k and a net result of €-30k. Equity is shrinking by ~38.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 8006 sector peers (fiscal year 2025). The company has been active since 2023 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8006 sector peers (2025).
NBB · sector comparisonPosition among 8006 sector peers
Solvency
better than 10%
← weakest
strongest →
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 29-04-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
2 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
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 87.3%
2024 · €34k
2023: €19k
2024: €34k
2023 → 2025
Net result
€-30k
2024 · €15k
2023: €18k
2024: €15k
2023 → 2025
Total assets
€273k▲ 418%
2024 · €53k
2023: €31k
2024: €53k
2023 → 2025
Solvency
1.6%▼ 62.9pp
2024 · 64.5%
2023: 62.0%
2024: 64.5%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€19k-€34k▲ 75.1%€4k▼ 87.3%
Operating result€25k-€21k▼ 16.7%€-26k
Net result€18k-€15k▼ 20.8%€-30k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €21k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €273k
Fixed assets
€258k▲ 7,418%
Current assets
€15k▼ 69.8%
Equity and liabilities €273k
Equity
€4k▼ 87.3%
Debt
€269k▲ 1,335%
The debt ratio rises from 35.5% to 98.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
1.6%▼
2024 · 64.5%
ROE
-687.0%▼
2024 · 42.9%
ROA
-10.9%▼
2024 · 27.7%
Debt
€269k▲
2024 · €19k
Debt ≤ 1 year
€20k▲
2024 · €19k
Debt > 1 year
€249k
Income taxes
€363▼
2024 · €6k
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€53k€273k▲
Fixed assets21/28€3k€258k▲
Tangible fixed assets22/27€3k€258k▲
Land and buildings22-€256k
Plant, machinery and equipment23€1k€724▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€49k€15k▼
Amounts receivable within one year40/41€37k€6k▼
Trade receivables40-€253
Other amounts receivable41€37k€6k▼
Cash at bank and in hand54/58€10k€8k▼
Deferred charges and accrued income490/1€1k€837▼
Equity and liabilities
Total equity and liabilities10/49€53k€273k▲
Equity10/15€34k€4k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€33k€3k▼
Amounts payable17/49€19k€269k▲
Amounts payable after more than one year17-€249k
Financial debts170/4-€249k
Amounts payable within one year42/48€19k€20k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€16k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€830€3k▲
Other operating charges640/8€853€569▼
Gross operating margin9900€23k€-22k▼
Operating profit (loss)9901€21k€-26k▼
Financial income75/76B€9€1▼
Recurring financial income75€9€1▼
Financial charges65/66B€62€3k▲
Recurring financial charges65€62€3k▲
Profit (loss) for the period before taxes9903€21k€-29k▼
Income taxes67/77€6k€363▼
Profit (loss) for the period9904€15k€-30k▼
Profit (loss) for the period to be appropriated9905€15k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€3k▼
Profit (loss) brought forward from the previous period14P€18k€33k▲
The notes to these accounts (6 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-30k ▼304%
Net result drops to €-30k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
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, Hamme (Vl.) · 1 establishment unit since 2023
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.
Molenstraat 49220 Hamme (Vl.)Ground area
373 m²
Building footprint
339 m²
Volume, LiDAR
1,605 m³
Parcel 42014B0668/00C000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JVDM
since 20232.341.961.070
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014B0668/00C000 | Flanders | 373 m² | 1 · 338 m² | 11.1 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 2,946 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2023
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.