JVGConsult
ActiveThe computed 12-month bankruptcy probability of JVGConsult is 2.2% (moderate). The 2024 annual accounts show equity of €3k and a net result of €31k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 26056 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
76
/ 100
Excellent▲ +55 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency23▼-18
Growth78▲+20
Stability94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.35 against 0.82 in 2023), and 94.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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
5.6%
Return on assets
58.1%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
69 d late
2022
29 d late
2021
6 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€3k
2023 · €-28k
2021: €-7k
2022: €-29k
2023: €-28k
2021 → 2024
Total assets
€53k▲ 41.7%
2023 · €38k
2021: €66k
2022: €36k
2023: €38k
2021 → 2024
Net result
€31k▲ 2,780%
2023 · €1k
2021: €-12k
2022: €-22k
2023: €1k
2021 → 2024
Working capital
€12k
2023 · €-6k
2021: €39k
2022: €5k
2023: €-6k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€-7k-€-29k▼ 339%€-28k▲ 3.7%€3k
Operating result€-11k-€-21k▼ 82.7%€2k€33k▲ 1,690%
Net result€-12k-€-22k▼ 93.1%€1k€31k▲ 2,780%
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 two years in a row; 2024 is 1,690% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €53k
Fixed assets
€6k▼ 31.2%
Current assets
€47k▲ 63.9%
Equity and liabilities €53k
Equity
€3k
Debt
€50k
Debt finances 94.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€35k▲
2023 · €5k
Cash flow
€34k▲
2023 · €4k
Solvency
5.6%▲
2023 · -74.4%
Current ratio
1.35▲
2023 · 0.82
Quick ratio
1.35▲
2023 · 0.82
Debt / equity
16.87▲
2023 · -2.34
ROA
58.1%▲
2023 · 2.9%
Interest coverage
26.60▲
2023 · 3.53
Debt
€50k▼
2023 · €65k
Debt ≤ 1 year
€35k▼
2023 · €35k
Debt > 1 year
€15k▼
2023 · €30k
Income taxes
€2k▲
2023 · €310
A ratio outside any meaningful range has been withheld (balance sheet total €53k, equity €3k).
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€38k€53k▲
Fixed assets21/28€9k€6k▼
Intangible fixed assets21€6k€4k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€275€0▼
Current assets29/58€29k€47k▲
Amounts receivable within one year40/41€29k€43k▲
Trade receivables40€3k€0▼
Other amounts receivable41€26k€43k▲
Cash at bank and in hand54/58€14€3k▲
Deferred charges and accrued income490/1€20€666▲
Equity and liabilities
Total equity and liabilities10/49€38k€53k▲
Equity10/15€-28k€3k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-33k€-2k▲
Amounts payable17/49€65k€50k▼
Amounts payable after more than one year17€30k€15k▼
Financial debts170/4€30k€15k▼
Amounts payable within one year42/48€35k€35k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€661€3k▲
Suppliers440/4€661€3k▲
Taxes, remuneration and social security45€12k€5k▼
Taxes450/3€12k€5k▼
Other amounts payable47/48€7k€11k▲
Accrued charges and deferred income492/3€103€69▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€6k€37k▲
Operating profit (loss)9901€2k€33k▲
Financial income75/76B€862€2k▲
Recurring financial income75€862€2k▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€1k€33k▲
Income taxes67/77€310€2k▲
Profit (loss) for the period9904€1k€31k▲
Profit (loss) for the period to be appropriated9905€1k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-2k▲
Profit (loss) brought forward from the previous period14P€-34k€-33k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2021net €31k ▲2780%
Operating result €33k, net result €31k, both a record.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
25-07
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, Sint-Niklaas · 1 establishment unit since 2021
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.
Dries 219112 Sint-NiklaasGround area
334 m²
Building footprint
81 m²
Volume, LiDAR
824 m³
Parcel 46019B0022/00D000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JVGConsult
since 20212.322.092.502
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46019B0022/00D000 | Flanders | 334 m² | 1 · 81 m² | 12.2 m · 3 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).
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Of 12,964 companies in sector 47120 we hold annual accounts for 2,176. 780 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2021
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47784Retail sale of souvenirs and religious articles
47786Retail trade
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.