JVR Conseil
ActiveSummary
The computed 12-month bankruptcy probability of JVR Conseil is 1.8% (moderate). The 2024 annual accounts show equity of €82k and a net result of €17k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 85% of 15869 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▼-3
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.68 against 5.65 in 2023; short-term debt: 17.4% and cash: 90.1% of total assets), and 17.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 13-06-2025, 48 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
48 d early
2023
34 d early
2022
25 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€82k▲ 25.8%
2023 · €66k
2022: €49k
2023: €66k
2022 → 2024
Total assets
€100k▲ 21.1%
2023 · €83k
2022: €88k
2023: €83k
2022 → 2024
Net result
€17k▲ 5.1%
2023 · €16k
2022: €45k
2023: €16k
2022 → 2024
Working capital
€82k▲ 23.6%
2023 · €66k
2022: €49k
2023: €66k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€49k-€66k▲ 32.6%€82k▲ 25.8%
Operating result€63k-€24k▼ 61.3%€24k▼ 1.8%
Net result€45k-€16k▼ 64.5%€17k▲ 5.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 2% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €100k
Fixed assets
€935 ▼ 60.0%
Current assets
€99k ▲ 23.4%
Equity and liabilities €100k
Equity
€82k ▲ 25.8%
Debt
€17k ▲ 2.6%
Debt's share of the balance-sheet total falls from 20.6% to 17.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▼
2023 · €26k
Cash flow
€18k▲
2023 · €17k
Current ratio
5.68▲
2023 · 5.65
Debt to equity
0.21▼
2023 · 0.26
ROE
20.5%▼
2023 · 24.6%
ROA
17.0%▼
2023 · 19.5%
Interest coverage
13.03▼
2023 · 13.37
Debt ≤ 1 year
€17k▲
2023 · €14k
Income taxes
€5k▼
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet
Code20232024
Assets
Total assets20/58€83k€100k▲
Fixed assets21/28€2k€935▼
Tangible fixed assets22/27€2k€935▼
Furniture and vehicles24€2k€935▼
Current assets29/58€80k€99k▲
Amounts receivable within one year40/41€373€9k▲
Trade receivables40€373€8k▲
Other amounts receivable41-€605
Cash at bank and in hand54/58€63k€90k▲
Deferred charges and accrued income490/1€17k-
Equity and liabilities
Total equity and liabilities10/49€83k€100k▲
Equity10/15€66k€82k▲
Contributions10/11€4k€4k=
Reserves13€62k€62k=
Distributable reserves133€62k€62k=
Profit (loss) carried forward14-€17k
Amounts payable17/49€17k€17k▲
Amounts payable within one year42/48€14k€17k▲
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€1k€489▼
Suppliers440/4€1k€489▼
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€10k€5k▼
Other amounts payable47/48€3k€2k▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Gross operating margin9900€26k€25k▼
Operating profit (loss)9901€24k€24k▼
Financial income75/76B€1€14▲
Recurring financial income75€1€14▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€23k€22k▼
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€16k€17k▲
Profit (loss) for the period to be appropriated9905€16k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€17k▲
Transfer to equity691/2€16k-
To other reserves6921€16k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €16k ▼64.5%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.65
Current ratio from 2.35 to 5.65; short-term debt falls from €36k to €14k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Ittre · 1 establishment unit since 2022
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 Basse 261460 IttreGround area
365 m²
Building footprint
96 m²
Volume, LiDAR
961 m³
Parcel 25044B0357/00R000, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JVR Conseil
since 20222.329.091.249
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25044B0357/00R000 | Wallonia | 365 m² | 1 · 96 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.
Similar companies · same sector, comparable size
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PASCALE DE PAU
BE 0465.083.029
Maldegem · Eq €82,755
PP ACTIVE
BE 1016.349.865
Ukkel · Eq €81,871
MOOI!
BE 0542.514.466
Eeklo · Eq €81,671
Hat-Rock
BE 1000.944.780
Roeselare · Eq €81,669
Of 1,275 companies in sector 46160 we hold annual accounts for 685. 538 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46190Agents in non-specialised wholesale trade
47711Retail sale of women's outerwear
47715Retail trade
63920Other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jvrconseil@gmail.com