JVH Creative Solutions
ActiveJVH Creative Solutions has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €11k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent▲ +64 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency70▲+40
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.38 in 2024), but 67.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
32.4%
Return on assets
10.4%
Age of the figures
8 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 09-07-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
1 d early
2023
5 d late
2022
14 d late
2021
25 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 47.0%
2024 · €23k
2021: €18k
2022: €25k
2023: €30k
2024: €23k
2021 → 2025
Total assets
€106k▼ 29.4%
2024 · €150k
2021: €98k
2022: €96k
2023: €113k
2024: €150k
2021 → 2025
Net result
€11k
2024 · €-6k
2021: €18k
2022: €12k
2023: €10k
2024: €-6k
2021 → 2025
Working capital
€24k▲ 4.5%
2024 · €23k
2021: €-10k
2022: €-4k
2023: €-16k
2024: €23k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€25k▲ 36.5%€30k▲ 18.8%€23k▼ 21.5%€34k▲ 47.0%
Operating result€32k-€24k▼ 26.0%€24k▲ 3.4%€-3k€19k
Net result€18k-€12k▼ 35.9%€10k▼ 17.0%€-6k€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €19k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€53k▼ 20.2%
Current assets
€53k▼ 36.8%
Equity and liabilities €106k
Equity
€34k▲ 47.0%
Debt
€71k▼ 43.5%
The debt ratio falls from 84.4% to 67.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▲
2024 · €1k
Cash flow
€25k▲
2024 · €-2k
Solvency
32.4%▲
2024 · 15.6%
Current ratio
1.84▲
2024 · 1.38
Quick ratio
1.84▲
2024 · 1.38
Debt / equity
2.09▼
2024 · 5.43
ROE
32.0%▲
2024 · -27.3%
ROA
10.4%▲
2024 · -4.3%
Interest coverage
12.32▲
2024 · 0.86
Debt
€71k▼
2024 · €126k
Debt ≤ 1 year
€29k▼
2024 · €60k
Debt > 1 year
€42k▼
2024 · €66k
Income taxes
€6k▲
2024 · €2k
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€150k€106k▼
Formation expenses20-€0
Fixed assets21/28€66k€53k▼
Tangible fixed assets22/27€66k€53k▼
Plant, machinery and equipment23€624€179▼
Furniture and vehicles24€66k€53k▼
Financial fixed assets28€85€85=
Current assets29/58€83k€53k▼
Amounts receivable within one year40/41€23k€25k▲
Trade receivables40€17k€16k▼
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€60k€27k▼
Deferred charges and accrued income490/1€268€674▲
Equity and liabilities
Total equity and liabilities10/49€150k€106k▼
Equity10/15€23k€34k▲
Contributions10/11€50€50=
Profit (loss) carried forward14€23k€34k▲
Amounts payable17/49€126k€71k▼
Amounts payable after more than one year17€66k€42k▼
Financial debts170/4€66k€42k▼
Amounts payable within one year42/48€60k€29k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€24k€5k▼
Suppliers440/4€24k€5k▼
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€17k€8k▼
Other amounts payable47/48€5k-
Accrued charges and deferred income492/3-€600
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€14k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€19k-
Gross operating margin9900€24k€35k▲
Operating profit (loss)9901€-3k€19k▲
Financial income75/76B€5€6▲
Recurring financial income75€5€6▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-4k€17k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€-6k€11k▲
Profit (loss) for the period to be appropriated9905€-6k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€34k▲
Profit (loss) brought forward from the previous period14P€30k€23k▼
The notes to these accounts (10 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-6k ▼166%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Kontich · 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.
Pluyseghemstraat 322550 KontichGround area
105 m²
Building footprint
97 m²
Volume, LiDAR
808 m³
Parcel 11024B0173/00V002, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Pluyseghemstraat 32, 2550 Kontich
since 20202.306.411.560
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0173/00V002 | Flanders | 105 m² | 1 · 97 m² | 11.9 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.
Similar companies · same sector, comparable size
DLV Management
BE 1007.155.948
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ADEGO
BE 0759.933.533
Soignies · Eq €34k
KEYSERS CONSULTANCY
BE 0737.526.830
Wuustwezel · Eq €34k
AscendX
BE 1005.548.025
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BSI Management
BE 0632.634.493
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 35,357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47811Retail sale of cars and light vans (up to 3.5 tonnes)
77110Renting and leasing of cars and light motor vehicles
82990Other business support services
95319Other maintenance and repair of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.