JVF TOOLS
ActiveThe computed 12-month bankruptcy probability of JVF TOOLS is 2.4% (moderate). The 2024 annual accounts show equity of €45k and a net result of €41k. Its solvency ranks better than 43% of 26043 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability97
Solvency50
Growth-
Track record67
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.02; short-term debt: 75.1% and cash: 29.4% of total assets), and 75.1% 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.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
24.9%
Return on assets
22.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-06-2025, 52 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
52 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€45k
Total assets
€182k
Net result
€41k
Working capital
€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €182k
Fixed assets
€43k
Current assets
€140k
Equity and liabilities €182k
Equity
€45k
Debt
€137k
Debt finances 75.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€76k
Cash flow
€58k
Solvency
24.9%
Current ratio
1.02
Quick ratio
0.48
Debt / equity
3.01
ROE
91.2%
ROA
22.7%
Interest coverage
18.09
Debt
€137k
Debt ≤ 1 year
€137k
Income taxes
€14k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€182k
Fixed assets21/28€43k
Intangible fixed assets21€19k
Tangible fixed assets22/27€23k
Land and buildings22€10k
Plant, machinery and equipment23€7k
Furniture and vehicles24€6k
Current assets29/58€140k
Stocks and contracts in progress3€75k
Stocks30/36€75k
Amounts receivable within one year40/41€11k
Trade receivables40€1k
Other amounts receivable41€10k
Cash at bank and in hand54/58€54k
Equity and liabilities
Total equity and liabilities10/49€182k
Equity10/15€45k
Contributions10/11€4k
Profit (loss) carried forward14€41k
Amounts payable17/49€137k
Amounts payable within one year42/48€137k
Trade debts44€17k
Suppliers440/4€17k
Taxes, remuneration and social security45€14k
Taxes450/3€14k
Other amounts payable47/48€106k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k
Other operating charges640/8€548
Gross operating margin9900€76k
Operating profit (loss)9901€59k
Financial income75/76B€124
Recurring financial income75€124
Financial charges65/66B€4k
Recurring financial charges65€4k
Profit (loss) for the period before taxes9903€55k
Income taxes67/77€14k
Profit (loss) for the period9904€41k
Profit (loss) for the period to be appropriated9905€41k
Appropriation of the result
Profit (loss) to be appropriated9906€41k
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
2025
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Similar companies · same sector, comparable size
Kubala Benelux
BE 1004.190.520
Zaventem · Eq €45k
Pronivi
BE 0788.406.201
Lanaken · Eq €46k
ROOSE SLIJPERIJ EN TUINMACHINES
BE 1019.613.223
Roeselare · Eq €44k
T.M.L.
BE 0412.775.679
Gembloux · Eq €43k
LA SIGNALISATION
BE 0426.611.641
Fleurus · Eq €48k
Of 301 companies in sector 47525 we hold annual accounts for 207. 119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2024
Fiscal year end31-12
Activities, NACEBEL
47525Retail trade
25639Manufacture of fabricated metal products, except machinery and equipment
45204
85599Other education
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filing
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.