Summary
SKVB has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €522k and a net result of €-34k. Equity is growing by ~72.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 7445 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
1 signal. 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 25-08-2025, 25 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
20 d late
2022
19 d late
2021
16 d early
2020
19 d early
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€522k▼ 6.2%
2023 · €556k
2018: €32k
2019: €63k
2020: €107k
2021: €392k
2022: €466k
2023: €556k
2018 → 2024
Total assets
€853k▼ 9.1%
2023 · €938k
2018: €319k
2019: €313k
2020: €549k
2021: €588k
2022: €603k
2023: €938k
2018 → 2024
Net result
€-34k
2023 · €91k
2018: €26k
2019: €31k
2020: €44k
2021: €285k
2022: €61k
2023: €91k
2018 → 2024
Working capital
€-156k▼ 47.7%
2023 · €-106k
2018: €-57k
2019: €-53k
2020: €-253k
2021: €8k
2022: €90k
2023: €-106k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€107k-€392k▲ 267%€466k▲ 18.7%€556k▲ 19.5%€522k▼ 6.2%
Operating result€59k-€24k▼ 59.5%€80k▲ 234%€119k▲ 49.2%€-34k
Net result€44k-€285k▲ 550%€61k▼ 78.6%€91k▲ 49.0%€-34k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €34k after €119k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €853k
Fixed assets
€698k ▼ 4.0%
Current assets
€154k ▼ 26.6%
Equity and liabilities €853k
Equity
€522k ▼ 6.2%
Debt
€330k ▼ 13.3%
Debt's share of the balance-sheet total falls from 40.7% to 38.8%. Equity and debt are lower.
Key figures and ratios
ROE
-6.6%▼
2023 · 16.3%
ROA
-4.0%▼
2023 · 9.7%
Debt ≤ 1 year
€310k▼
2023 · €316k
Debt > 1 year
€20k▼
2023 · €65k
Income taxes
€275▼
2023 · €25k
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 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€938k€853k▼
Fixed assets21/28€727k€698k▼
Tangible fixed assets22/27€86k€57k▼
Plant, machinery and equipment23€151-
Furniture and vehicles24€86k€57k▼
Financial fixed assets28€641k€641k=
Current assets29/58€210k€154k▼
Amounts receivable within one year40/41€1k€61k▲
Trade receivables40€1k€15k▲
Other amounts receivable41€11€46k▲
Current investments50/53€150k-
Cash at bank and in hand54/58€58k€90k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€938k€853k▼
Equity10/15€556k€522k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k-
Distributable reserves133€2k-
Profit (loss) carried forward14€536k€504k▼
Amounts payable17/49€381k€330k▼
Amounts payable after more than one year17€65k€20k▼
Financial debts170/4€65k€20k▼
Amounts payable within one year42/48€316k€310k▼
Current portion of amounts payable after more than one year42€54k€45k▼
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€6k-
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€250k€258k▲
Accrued charges and deferred income492/3-€21
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€29k▼
Other operating charges640/8€333€318▼
Gross operating margin9900€150k€-5k▼
Operating profit (loss)9901€119k€-34k▼
Financial income75/76B€253€3k▲
Recurring financial income75€253€3k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€116k€-34k▼
Income taxes67/77€25k€275▼
Profit (loss) for the period9904€91k€-34k▼
Profit (loss) for the period to be appropriated9905€91k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€536k€502k▼
Profit (loss) brought forward from the previous period14P€445k€536k▲
Transfer from equity791/2-€2k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
25-06
State Gazette act
Capital & shares · RestructuringPermanent representatives: Johan Jacobs, Kris Bollen and 4 others · Merger · Dissolution20 facts ▸
State Gazette act
Capital & shares · Restructuring
Permanent representatives: Johan Jacobs, Kris Bollen and 4 others · Merger · Dissolution20 facts ▸
- General meeting, 17-06-2026
- Merger, absorption, 01-01-2026
- Merger, absorption, 01-01-2026
- Dissolution, 17-06-2026
- Dissolution, 17-06-2026
- Share cancellation, VSK
- Share cancellation, BEPOL
- Accounting effect, 01-01-2026
- Power of attorney, KONSILANTO BV
- Power of attorney, KONSILANTO BV
- Power of attorney, KONSILANTO BV
- Permanent representative, Johan Jacobs
- +8 further facts in this act
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-34k ▼138%
Net result drops to €-34k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
31-12
Financial
Equity above €500kEq €556k ▲19.5%
6 profitable years in a row build equity to €556k.
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 19 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.23
Current ratio from 1.09 to 2.23; short-term debt falls from €95k to €73k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €285k ▲550%
Net result €285k, the highest in the series.
31-12
Financial
Liquidity times 6current ratio 1.09
Current ratio from 0.17 to 1.09; short-term debt falls from €305k to €95k.
31-12
Financial
Equity above €200kEq €392k ▲267%
4 profitable years in a row build equity to €392k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
31-12
Financial
Equity above €100kEq €107k ▲69.7%
3 profitable years in a row build equity to €107k.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Balen · 1 establishment unit since 2017
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.
Heivoort 232491 BalenGround area
242 m²
Building footprint
233 m²
Parcel 13030C0206/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
SKVB
since 20172.262.061.081
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13030C0206/00G000 | Flanders | 241 m² | 1 · 233 m² | - |
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.
Structure & network
Acquisitions and mergers
2 transactionsTook over:BEPOL
Took over:VSK
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 4,472 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
Founded07-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
70100Activities of head offices
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.