JVDW
ActiveThe computed 12-month bankruptcy probability of JVDW is 2.8% (moderate). The 2025 annual accounts show equity of €231k and a net result of €196k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 81% of 13204 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
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.95 in 2024; short-term debt: 26.1% and cash: 33.1% of total assets), and 33.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.6%
Return on assets
56.5%
Age of the figures
9 mo
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 06-03-2026, 147 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
147 d early
2024
26 d late
2023
34 d early
2022
17 d late
2021
2 d late
2020
31 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€231k▲ 3.8%
2024 · €223k
2020: €35k
2021: €176k
2022: €307k
2023: €323k
2024: €223k
2020 → 2025
Total assets
€348k▼ 4.6%
2024 · €364k
2020: €222k
2021: €360k
2022: €560k
2023: €504k
2024: €364k
2020 → 2025
Net result
€196k▲ 4.6%
2024 · €188k
2020: €33k
2021: €141k
2022: €130k
2023: €157k
2024: €188k
2020 → 2025
Working capital
€62k▼ 31.0%
2024 · €90k
2020: €-109k
2021: €130k
2022: €155k
2023: €178k
2024: €90k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€307k▲ 73.9%€323k▲ 5.2%€223k▼ 31.0%€231k▲ 3.8%
Operating result€186k-€171k▼ 8.5%€210k▲ 23.0%€248k▲ 18.3%€260k▲ 4.8%
Net result€141k-€130k▼ 7.7%€157k▲ 20.6%€188k▲ 19.3%€196k▲ 4.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €348k
Fixed assets
€195k▲ 8.3%
Current assets
€153k▼ 17.1%
Equity and liabilities €348k
Equity
€231k▲ 3.8%
Debt
€116k▼ 17.8%
The debt ratio falls from 38.8% to 33.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€310k▲
2024 · €294k
Cash flow
€247k▲
2024 · €233k
Solvency
66.6%▲
2024 · 61.2%
Current ratio
1.68▼
2024 · 1.95
Quick ratio
1.56▼
2024 · 1.84
Debt / equity
0.50▼
2024 · 0.63
ROE
84.8%▲
2024 · 84.2%
ROA
56.5%▲
2024 · 51.5%
Interest coverage
51.69▲
2024 · 39.43
Debt
€116k▼
2024 · €141k
Debt ≤ 1 year
€91k▼
2024 · €94k
Debt > 1 year
€24k▼
2024 · €46k
Income taxes
€58k▲
2024 · €57k
Staff costs
€267k▲
2024 · €241k
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€364k€348k▼
Fixed assets21/28€180k€195k▲
Intangible fixed assets21€0€0▼
Tangible fixed assets22/27€180k€195k▲
Plant, machinery and equipment23€113k€94k▼
Furniture and vehicles24€47k€51k▲
Other tangible fixed assets26€21k€51k▲
Current assets29/58€184k€153k▼
Stocks and contracts in progress3€10k€11k▲
Stocks30/36€10k€11k▲
Amounts receivable within one year40/41€6k€23k▲
Trade receivables40€943€3k▲
Other amounts receivable41€5k€20k▲
Current investments50/53€0-
Cash at bank and in hand54/58€167k€115k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€364k€348k▼
Equity10/15€223k€231k▲
Contributions10/11€3k€3k=
Reserves13€220k€229k▲
Distributable reserves133€220k€229k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€141k€116k▼
Amounts payable after more than one year17€46k€24k▼
Financial debts170/4€46k€24k▼
Amounts payable within one year42/48€94k€91k▼
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44€14k€23k▲
Suppliers440/4€14k€23k▲
Advances received on contracts in progress46€2k€3k▲
Taxes, remuneration and social security45€51k€37k▼
Taxes450/3€24k€7k▼
Remuneration and social security454/9€27k€30k▲
Other amounts payable47/48€6k€6k▼
Accrued charges and deferred income492/3€892€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€241k€267k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€50k▲
Other operating charges640/8€5k€2k▼
Gross operating margin9900€540k€579k▲
Operating profit (loss)9901€248k€260k▲
Financial income75/76B€4k€45▼
Recurring financial income75€4k€45▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€244k€254k▲
Income taxes67/77€57k€58k▲
Profit (loss) for the period9904€188k€196k▲
Profit (loss) for the period to be appropriated9905€188k€196k▲
Appropriation of the result
Profit (loss) to be appropriated9906€188k€196k▲
Transfer from equity791/2€288k€188k▼
Transfer to equity691/2€188k€196k▲
To other reserves6921€188k€196k▲
Profit to be distributed694/7€288k€188k▼
Return on contributions (dividend)694€288k€188k▼
The notes to these accounts (9 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
06-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €196k ▲4.6%
Operating result €260k, net result €196k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Equity above €200kEq €307k ▲73.9%
3 profitable years in a row build equity to €307k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Liquidity times 7current ratio 2.81
Current ratio from 0.41 to 2.81; short-term debt falls from €186k to €72k.
31-12
Financial
Equity above €150kEq €176k ▲402%
2 profitable years in a row build equity to €176k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 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, Blankenberge · 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.
Molenstraat 198370 BlankenbergeGround area
611 m²
Building footprint
169 m²
Volume, LiDAR
2,000 m³
Parcel 31004A0592/00W000, Flanders · tallest building 19.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JVDW
since 20202.305.625.563
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31004A0592/00W000 | Flanders | 611 m² | 1 · 169 m² | 19.4 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlankenberge2.305.625.563
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Of 20,494 companies in sector 56111 we hold annual accounts for 11,454. 8,223 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-08-2020
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.