JVW Architect
ActiveJVW Architect has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-31k) and a net result of €-36k. Equity is shrinking by ~109.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-40
Growth32=
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.16 against 1.19 in 2024; short-term debt: 601.2% and cash: 7.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 2025Solvency, return and age of the figures
Solvency
-504.5%
Return on assets
-581.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-31k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
30 d late
2023
30 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-31k
2024 · €5k
2023: €26k
2024: €5k
2023 → 2025
Total assets
€6k▼ 81.1%
2024 · €33k
2023: €45k
2024: €33k
2023 → 2025
Net result
€-36k▼ 66.6%
2024 · €-21k
2023: €23k
2024: €-21k
2023 → 2025
Working capital
€-31k
2024 · €5k
2023: €26k
2024: €5k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€26k-€5k▼ 81.9%€-31k
Operating result€30k-€-21k€-35k▼ 64.8%
Net result€23k-€-21k€-36k▼ 66.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €35k in 2025 against €21k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6k
Fixed assets
€144▼ 47.5%
Current assets
€6k▼ 81.4%
Key figures and ratios
EBITDA
€-35k▼
2024 · €-21k
Cash flow
€-36k▼
2024 · €-21k
Solvency
-504.5%▼
2024 · 14.6%
Current ratio
0.16▼
2024 · 1.19
Quick ratio
0.16▼
2024 · 1.19
Debt / equity
-1.20▼
2024 · 5.87
ROA
-581.5%▼
2024 · -66.0%
Interest coverage
-47.89▲
2024 · -147.06
Debt
€37k▲
2024 · €28k
Debt ≤ 1 year
€37k▲
2024 · €27k
Income taxes
€132▲
2024 · €128
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€33k€6k▼
Fixed assets21/28€274€144▼
Tangible fixed assets22/27€274€144▼
Furniture and vehicles24€274€144▼
Current assets29/58€32k€6k▼
Amounts receivable within one year40/41€27k€5k▼
Trade receivables40€27k-
Other amounts receivable41-€5k
Cash at bank and in hand54/58€5k€454▼
Deferred charges and accrued income490/1€352€467▲
Equity and liabilities
Total equity and liabilities10/49€33k€6k▼
Equity10/15€5k€-31k▼
Contributions10/11€3k€3k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14-€-36k
Amounts payable17/49€28k€37k▲
Amounts payable within one year42/48€27k€37k▲
Trade debts44€9k€11k▲
Suppliers440/4€9k€11k▲
Advances received on contracts in progress46€4k-
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€11k€21k▲
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48€48€48=
Accrued charges and deferred income492/3€750€204▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€117€130▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-20k€-33k▼
Operating profit (loss)9901€-21k€-35k▼
Financial income75/76B€0€8▲
Recurring financial income75€0€8▲
Financial charges65/66B€143€727▲
Recurring financial charges65€143€727▲
Profit (loss) for the period before taxes9903€-21k€-36k▼
Income taxes67/77€128€132▲
Profit (loss) for the period9904€-21k€-36k▼
Profit (loss) for the period to be appropriated9905€-21k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-36k▼
Transfer from equity791/2€21k-
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
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, As · 1 establishment unit since 2023
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.
Kerkpad 33665 AsGround area
976 m²
Building footprint
162 m²
Volume, LiDAR
1,399 m³
Parcel 71002A0269/00H000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JVW Architect
since 20232.344.648.564
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71002A0269/00H000 | Flanders | 976 m² | 1 · 162 m² | 12.9 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 117 EUR awarded · 117 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 117 EUR |
| 2024 | 1 | 117 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 18,252 companies in sector 71111 we hold annual accounts for 6,319. 2,197 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2023
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.