PVJD
ActivePVJD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €126k and a net result of €28k. Equity is growing by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 9863 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
27 d late
2022
26 d early
2021
31 d late
2020
2 d early
2019
14 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€126k▲ 29.1%
2023 · €97k
2018: €33k
2019: €85k
2020: €46k
2021: €22k
2022: €65k
2023: €97k
2018 → 2024
Net result
€28k▼ 11.5%
2023 · €32k
2018: €16k
2019: €52k
2020: €19k
2021: €34k
2022: €43k
2023: €32k
2018 → 2024
Total assets
€294k▲ 50.0%
2023 · €196k
2018: €71k
2019: €121k
2020: €77k
2021: €100k
2022: €160k
2023: €196k
2018 → 2024
Solvency
42.8%▼ 6.9pp
2023 · 49.7%
2018: 45.8%
2019: 70.3%
2020: 59.6%
2021: 22.1%
2022: 40.9%
2023: 49.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€46k-€22k▼ 51.8%€65k▲ 195%€97k▲ 49.0%€126k▲ 29.1%
Operating result€28k-€48k▲ 69.3%€57k▲ 19.8%€47k▼ 17.8%€47k▲ 1.1%
Net result€19k-€34k▲ 78.8%€43k▲ 26.4%€32k▼ 25.8%€28k▼ 11.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 1% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €294k
Fixed assets
€116k▲ 131%
Current assets
€178k▲ 21.9%
Equity and liabilities €294k
Equity
€126k▲ 29.1%
Debt
€168k▲ 70.6%
The debt ratio rises from 50.3% to 57.2%: debt grows faster than equity.
Key figures and ratios
Solvency
42.8%▼
2023 · 49.7%
ROE
22.5%▼
2023 · 32.9%
ROA
9.6%▼
2023 · 16.3%
Debt
€168k▲
2023 · €99k
Debt ≤ 1 year
€96k▲
2023 · €83k
Debt > 1 year
€62k▲
2023 · €12k
Income taxes
€11k▲
2023 · €11k
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€196k€294k▲
Fixed assets21/28€50k€116k▲
Tangible fixed assets22/27€50k€116k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€14k€82k▲
Other tangible fixed assets26€35k€33k▼
Current assets29/58€146k€178k▲
Amounts receivable within one year40/41€114k€155k▲
Trade receivables40€111k€151k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€29k€16k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€196k€294k▲
Equity10/15€97k€126k▲
Contributions10/11€19k€19k=
Reserves13€4k€4k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€75k€103k▲
Amounts payable17/49€99k€168k▲
Amounts payable after more than one year17€12k€62k▲
Financial debts170/4€12k€62k▲
Amounts payable within one year42/48€83k€96k▲
Current portion of amounts payable after more than one year42-€14k
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€11k€12k▲
Taxes450/3€11k€12k▲
Other amounts payable47/48€65k€63k▼
Accrued charges and deferred income492/3€4k€10k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€24k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€65k€73k▲
Operating profit (loss)9901€47k€47k▲
Financial income75/76B€397€344▼
Recurring financial income75€397€8▼
Non-recurring financial income76B-€336
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€43k€39k▼
Income taxes67/77€11k€11k▲
Profit (loss) for the period9904€32k€28k▼
Profit (loss) for the period to be appropriated9905€32k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€103k▲
Profit (loss) brought forward from the previous period14P€43k€75k▲
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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €100kEq €126k ▲29.1%
7 profitable years in a row build equity to €126k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 1.05
Current ratio from 0.46 to 1.05.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Highest result since 2018net €52k ▲221%
Operating result €69k, net result €52k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.66
Current ratio from 1.54 to 3.66; short-term debt falls from €27k to €26k.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Wevelgem · 1 establishment unit since 2015
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.
De Vlasvink 28560 WevelgemGround area
896 m²
Building footprint
221 m²
Volume, LiDAR
128 m³
Parcel 34302B0127/00M000, Flanders · tallest building 15.8 m. Linked by address, not a title deed.
1 establishment unit
PVJD
since 20152.248.257.387
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34302B0127/00M000 | Flanders | 896 m² | 1 · 221 m² | 15.8 m |
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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 12,847 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.