JVMV

Active

Private limited companyfounded 20215 yrs activeRue de Philippeville(NAL) 75, 6120 Ham-sur-Heure-Nalinnes, BelgiumKBO/BCE: BE 0768.831.205

The computed 12-month bankruptcy probability of JVMV is 3.0% (moderate). The 2024 annual accounts show negative equity (€-38k) and a net result of €-85k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 15867 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

27 / 100

Weak▼ -29 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+98

Solvency46▲+6

Growth32▼-20

Stability94

Bankruptcy probability, 12 months

3.0% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity tight (current ratio 1.08 against 1.76 in 2023), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

-15.6%

Return on assets

-34.5%

Age of the figures

20 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2024

Equity per financial year

21222324

2021 to 2024 · latest year -€38k

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-09-2025, 41 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

41 d late

2023

1 d early

2022

3 d early

2021

38 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€-38k

2023 · €46k

2021: €22k 2022: €46k 2023: €46k

2021 → 2024

Total assets

€245k▼ 4.6%

2023 · €257k

2021: €163k 2022: €228k 2023: €257k

2021 → 2024

Net result

€-85k

2023 · €145

2021: €19k 2022: €24k 2023: €145

2021 → 2024

Working capital

€18k▼ 83.4%

2023 · €107k

2021: €95k 2022: €108k 2023: €107k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€22k-€46k▲ 110%€46k▲ 0.3%€-38k

Operating result€26k-€34k▲ 33.8%€2k▼ 95.6%€-84k

Net result€19k-€24k▲ 27.4%€145▼ 99.4%€-85k

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 2024: a loss of €84k after €2k in 2023, the lowest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €245k

97.4%

Fixed assets €6k▼ 33.2%

Current assets €239k▼ 3.5%

Key figures and ratios

2024 value · change against 2023

EBITDA

€-79k▼

2023 · €4k

Cash flow

€-79k▼

2023 · €3k

Solvency

-15.6%▼

2023 · 18.1%

Current ratio

1.08▼

2023 · 1.76

Quick ratio

0.78▲

2023 · 0.48

Debt / equity

-7.41▼

2023 · 4.54

ROE

221.3%▲

2023 · 0.3%

ROA

-34.5%▼

2023 · 0.1%

Interest coverage

-251.03▼

2023 · 7.15

Debt

€283k▲

2023 · €210k

Debt ≤ 1 year

€221k▲

2023 · €140k

Debt > 1 year

€62k▼

2023 · €70k

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€257k€245k▼

Fixed assets21/28€9k€6k▼

Intangible fixed assets21€2k€284▼

Tangible fixed assets22/27€7k€6k▼

Plant, machinery and equipment23-€1k

Furniture and vehicles24€5k€5k▼

Other tangible fixed assets26€2k-

Current assets29/58€247k€239k▼

Stocks and contracts in progress3€180k€65k▼

Stocks30/36€180k€65k▼

Amounts receivable within one year40/41€52k€156k▲

Trade receivables40€51k€155k▲

Other amounts receivable41€1k€818▼

Cash at bank and in hand54/58€15k€17k▲

Equity and liabilities

Total equity and liabilities10/49€257k€245k▼

Equity10/15€46k€-38k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€43k€-41k▼

Amounts payable17/49€210k€283k▲

Amounts payable after more than one year17€70k€62k▼

Other amounts payable178/9€70k€62k▼

Amounts payable within one year42/48€140k€221k▲

Trade debts44€28k€125k▲

Suppliers440/4€28k€125k▲

Taxes, remuneration and social security45€16k€14k▼

Taxes450/3€11k€14k▲

Remuneration and social security454/9€5k-

Other amounts payable47/48€97k€81k▼

Income statement Code20232024

Non-recurring operating income76A-€500

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€6k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k-

Other operating charges640/8€3k€2k▼

Gross operating margin9900€9k€-77k▼

Operating profit (loss)9901€2k€-84k▼

Financial charges65/66B€589€313▼

Recurring financial charges65€589€313▼

Profit (loss) for the period before taxes9903€929€-85k▼

Income taxes67/77€784-

Profit (loss) for the period9904€145€-85k▼

Profit (loss) for the period to be appropriated9905€145€-85k▼

Appropriation of the result

Profit (loss) to be appropriated9906€43k€-41k▼

Profit (loss) brought forward from the previous period14P€43k€43k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

10-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 41 days late

2024

31-12

Financial Weakest financial yearnet €-85k ▼58251%

Net result drops to €-85k, the lowest in the series.

30-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

28-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2021net €24k ▲27.4%

Operating result €34k, net result €24k, both a record.

23-06

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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Rue de Philippeville(NAL) 756120 Ham-sur-Heure-Nalinnes

Ground area

1,798 m²

Building footprint

74 m²

Volume, LiDAR

191 m³

Parcel 56058B0375/00N010, Wallonia · tallest building 3.0 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

JVMV

Rue de Philippeville(NAL) 75, 6120 Ham-sur-Heure-NalinnesNACE 45111

since 20212.317.977.029

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56058B0375/00N010	Wallonia	1,798 m²	1 · 74 m²	3.0 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.

Similar companies · same sector, comparable size

Of 2,120 companies in sector 46711 we hold annual accounts for 1,122. 720 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-05-2021

Fiscal year end31-12

Activities, NACEBEL

46711Wholesale of cars and light vans (up to 3.5 tonnes)

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.