Summary
V&J GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.01M and a net result of €1.35M. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 5547 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
93 d early
2023
78 d early
2022
81 d early
2021
33 d early
2020
36 d early
2019
11 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.01M▲ 204%
2024 · €663k
2018: €370klowest in 8 years
2019: €388k▲ +5.0% vs 2018
2020: €436k▲ +12.3% vs 2019
2021: €482k▲ +10.6% vs 2020
2022: €497k▲ +3.0% vs 2021
2023: €646k▲ +30.1% vs 2022
2024: €663k▲ +2.6% vs 2023
2025: €2.01M▲ +204% vs 2024highest in 8 years
2018 → 2025
Net result
€1.35M▲ 8,055%
2024 · €17k
2018: €87k
2019: €18k▼ -78.9% vs 2018
2020: €48k▲ +160% vs 2019
2021: €46k▼ -3.5% vs 2020
2022: €14k▼ -69.0% vs 2021lowest in 8 years
2023: €150k▲ +947% vs 2022
2024: €17k▼ -88.9% vs 2023
2025: €1.35M▲ +8055% vs 2024highest in 8 years
2018 → 2025
Total assets
€4.94M▲ 84.7%
2024 · €2.68M
2018: €2.44M
2019: €1.59M▼ -34.7% vs 2018
2020: €1.55M▼ -2.8% vs 2019
2021: €1.51M▼ -2.6% vs 2020lowest in 8 years
2022: €2.18M▲ +44.6% vs 2021
2023: €2.15M▼ -1.2% vs 2022
2024: €2.68M▲ +24.3% vs 2023
2025: €4.94M▲ +84.7% vs 2024highest in 8 years
2018 → 2025
Solvency
40.7%▲ 16.0pp
2024 · 24.8%
2018: 15.2%lowest in 8 years
2019: 24.4%▲ +60.8% vs 2018
2020: 28.2%▲ +15.5% vs 2019
2021: 32.0%▲ +13.6% vs 2020
2022: 22.8%▼ -28.8% vs 2021
2023: 30.0%▲ +31.8% vs 2022
2024: 24.8%▼ -17.5% vs 2023
2025: 40.7%▲ +64.5% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€469k€477k▲ 1.7%
2023: €469k
2024: €477k▲ +1.7% vs 2023
Equity€482k-€497k▲ 3.0%€646k▲ 30.1%€663k▲ 2.6%€2.01M▲ 204%
2021: €482klowest in 5 years
2022: €497k▲ +3.0% vs 2021
2023: €646k▲ +30.1% vs 2022
2024: €663k▲ +2.6% vs 2023
2025: €2.01M▲ +204% vs 2024highest in 5 years
Operating result€106k-€42k▼ 60.4%€241k▲ 478%€59k▼ 75.5%€1.89M▲ 3,084%
2021: €106k
2022: €42k▼ -60.4% vs 2021lowest in 5 years
2023: €241k▲ +478% vs 2022
2024: €59k▼ -75.5% vs 2023
2025: €1.89M▲ +3084% vs 2024highest in 5 years
Net result€46k-€14k▼ 69.0%€150k▲ 947%€17k▼ 88.9%€1.35M▲ 8,055%
2021: €46k
2022: €14k▼ -69.0% vs 2021lowest in 5 years
2023: €150k▲ +947% vs 2022
2024: €17k▼ -88.9% vs 2023
2025: €1.35M▲ +8055% vs 2024highest in 5 years
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3,084% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.94M
Fixed assets
€3.97M ▲ 102%
Current assets
€978k ▲ 37.4%
Equity and liabilities €4.94M
Equity
€2.01M ▲ 204%
Provisions
€513k ▲ 1,475%
Debt
€2.42M ▲ 22.0%
Debt's share of the balance-sheet total falls from 74.0% to 48.9%. Equity and debt are higher.
Key figures and ratios
ROE
67.1%▲
2024 · 2.5%
ROA
27.3%▲
2024 · 0.6%
Debt ≤ 1 year
€951k▲
2024 · €867k
Debt > 1 year
€1.47M▲
2024 · €1.11M
Income taxes
€-6k▼
2024 · €15k
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 · 2025 against 2024 · 72 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.68M€4.94M▲
Fixed assets21/28€1.96M€3.97M▲
Tangible fixed assets22/27€1.96M€3.97M▲
Land and buildings22€1.84M€3.67M▲
Plant, machinery and equipment23-€99k
Furniture and vehicles24-€111k
Leasing and similar rights25€120k€82k▼
Current assets29/58€712k€978k▲
Amounts receivable within one year40/41€471k€156k▼
Trade receivables40€62k-
Other amounts receivable41€409k€156k▼
Cash at bank and in hand54/58€238k€800k▲
Deferred charges and accrued income490/1€2k€21k▲
Equity and liabilities
Total equity and liabilities10/49€2.68M€4.94M▲
Equity10/15€663k€2.01M▲
Contributions10/11€19k€19k=
Outside capital11-€19k
Other1109/19-€19k
Reserves13€626k€1.98M▲
Tax-exempt reserves132€98k€1.54M▲
Distributable reserves133€528k€438k▼
Profit (loss) carried forward14€19k€19k=
Provisions and deferred taxes16€33k€513k▲
Deferred taxes168€33k€513k▲
Amounts payable17/49€1.98M€2.42M▲
Amounts payable after more than one year17€1.11M€1.47M▲
Financial debts170/4€1.10M€1.45M▲
Leasing and similar obligations172€80k-
Credit institutions173€1.02M-
Other amounts payable178/9€15k€15k=
Amounts payable within one year42/48€867k€951k▲
Current portion of amounts payable after more than one year42€92k€123k▲
Trade debts44€26k€4k▼
Suppliers440/4€26k€4k▼
Taxes, remuneration and social security45€29k€23k▼
Taxes450/3€29k€23k▼
Other amounts payable47/48€720k€801k▲
Accrued charges and deferred income492/3€450€22▼
Income statement
Code20242025
Operating income70/76A€495k-
Turnover70€477k-
Other operating income74€19k-
Non-recurring operating income76A-€2.09M
Operating charges60/66A€436k-
Goods for resale, raw materials and consumables60€116k-
Purchases600/8€116k-
Services and other goods61€195k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99k€111k▲
Other operating charges640/8€26k€20k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900-€2.02M
Operating profit (loss)9901€59k€1.89M▲
Financial income75/76B€4k€16▼
Recurring financial income75€4k€16▼
Income from current assets751€4k-
Other financial income752/9€136-
Financial charges65/66B€33k€59k▲
Recurring financial charges65€33k€59k▲
Debt charges650€33k-
Profit (loss) for the period before taxes9903€30k€1.83M▲
Transfer from deferred taxes780€2k€27k▲
Transfer to deferred taxes680-€508k
Income taxes67/77€15k€-6k▼
Taxes670/3€15k-
Profit (loss) for the period9904€17k€1.35M▲
Transfer from tax-exempt reserves789€5k€82k▲
Transfer to tax-exempt reserves689-€1.52M
Profit (loss) for the period to be appropriated9905€22k€-90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€-71k▼
Profit (loss) brought forward from the previous period14P€19k€19k=
Transfer from equity791/2-€90k
Transfer to equity691/2€22k-
To other reserves6921€22k-
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | €632k | €495k | - | - |
| Turnover70 | - | - | €469k | €477k | - | - |
| Other operating income74 | - | - | €19k | €19k | - | - |
| Non-recurring operating income76A | - | - | €145k | - | €2.09M | - |
| Operating charges60/66A | - | - | €391k | €436k | - | - |
| Goods for resale, raw materials and consumables60 | - | - | €115k | €116k | - | - |
| Purchases600/8 | - | - | €115k | €116k | - | - |
| Services and other goods61 | - | - | €184k | €195k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33k | €135k | €61k | €99k | €111k | ▲ 12.4% |
| Other operating charges640/8 | €20k | €18k | €31k | €26k | €20k | ▼ 24.4% |
| Non-recurring operating charges66A | - | - | - | - | €1k | - |
| Gross operating margin9900 | €158k | €195k | - | - | €2.02M | - |
| Operating profit (loss)9901 | €106k | €42k | €241k | €59k | €1.89M | ▲ 3,084% |
| Financial income75/76B | €215 | - | - | €4k | €16 | ▼ 99.6% |
| Recurring financial income75 | €215 | - | - | €4k | €16 | ▼ 99.6% |
| Income from current assets751 | - | - | - | €4k | - | - |
| Other financial income752/9 | - | - | - | €136 | - | - |
| Financial charges65/66B | €18k | €20k | €40k | €33k | €59k | ▲ 78.4% |
| Recurring financial charges65 | €18k | €20k | €40k | €33k | €59k | ▲ 78.4% |
| Debt charges650 | - | - | €40k | €33k | - | - |
| Profit (loss) for the period before taxes9903 | €88k | €22k | €201k | €30k | €1.83M | ▲ 5,995% |
| Transfer from deferred taxes780 | - | - | €2k | €2k | €27k | ▲ 1,402% |
| Transfer to deferred taxes680 | - | - | €36k | - | €508k | - |
| Income taxes67/77 | €42k | €7k | €17k | €15k | €-6k | ▼ 137% |
| Taxes670/3 | - | - | €17k | €15k | - | - |
| Profit (loss) for the period9904 | €46k | €14k | €150k | €17k | €1.35M | ▲ 8,055% |
| Transfer from tax-exempt reserves789 | - | - | €5k | €5k | €82k | ▲ 1,402% |
| Transfer to tax-exempt reserves689 | - | - | €109k | - | €1.52M | - |
| Profit (loss) for the period to be appropriated9905 | €46k | €14k | €47k | €22k | €-90k | ▼ 508% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.51M | €2.18M | €2.15M | €2.68M | €4.94M | ▲ 84.7% |
| Fixed assets21/28 | €953k | €1.77M | €1.57M | €1.96M | €3.97M | ▲ 102% |
| Tangible fixed assets22/27 | €953k | €1.77M | €1.57M | €1.96M | €3.97M | ▲ 102% |
| Land and buildings22 | €953k | €1.77M | €1.57M | €1.84M | €3.67M | ▲ 99.2% |
| Plant, machinery and equipment23 | - | - | - | - | €99k | - |
| Furniture and vehicles24 | - | - | - | - | €111k | - |
| Leasing and similar rights25 | - | - | - | €120k | €82k | ▼ 31.8% |
| Current assets29/58 | €554k | €409k | €583k | €712k | €978k | ▲ 37.4% |
| Amounts receivable within one year40/41 | €437k | €372k | €332k | €471k | €156k | ▼ 66.8% |
| Trade receivables40 | €3k | €65k | €58k | €62k | - | - |
| Other amounts receivable41 | €434k | €308k | €273k | €409k | €156k | ▼ 61.8% |
| Cash at bank and in hand54/58 | €118k | €37k | €249k | €238k | €800k | ▲ 236% |
| Deferred charges and accrued income490/1 | - | - | €3k | €2k | €21k | ▲ 771% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.51M | €2.18M | €2.15M | €2.68M | €4.94M | ▲ 84.7% |
| Equity10/15 | €482k | €497k | €646k | €663k | €2.01M | ▲ 204% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Outside capital11 | €19k | €19k | - | - | €19k | - |
| Other1109/19 | €19k | €19k | - | - | €19k | - |
| Reserves13 | €445k | €459k | €609k | €626k | €1.98M | ▲ 216% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Legal reserve130 | €2k | €2k | - | - | - | - |
| Tax-exempt reserves132 | - | - | €103k | €98k | €1.54M | ▲ 1,475% |
| Distributable reserves133 | €443k | €458k | €506k | €528k | €438k | ▼ 17.0% |
| Profit (loss) carried forward14 | €19k | €19k | €19k | €19k | €19k | = |
| Provisions and deferred taxes16 | - | - | €34k | €33k | €513k | ▲ 1,475% |
| Deferred taxes168 | - | - | €34k | €33k | €513k | ▲ 1,475% |
| Amounts payable17/49 | €1.03M | €1.68M | €1.47M | €1.98M | €2.42M | ▲ 22.0% |
| Amounts payable after more than one year17 | €672k | €1.27M | €1.09M | €1.11M | €1.47M | ▲ 31.6% |
| Financial debts170/4 | €670k | €1.27M | €1.08M | €1.10M | €1.45M | ▲ 32.0% |
| Leasing and similar obligations172 | - | - | - | €80k | - | - |
| Credit institutions173 | - | - | €1.08M | €1.02M | - | - |
| Other amounts payable178/9 | €1k | €1k | €1k | €15k | €15k | = |
| Amounts payable within one year42/48 | €353k | €412k | €386k | €867k | €951k | ▲ 9.7% |
| Current portion of amounts payable after more than one year42 | €61k | €79k | €65k | €92k | €123k | ▲ 33.7% |
| Trade debts44 | €4k | €6k | €38k | €26k | €4k | ▼ 84.4% |
| Suppliers440/4 | €4k | €6k | €38k | €26k | €4k | ▼ 84.4% |
| Taxes, remuneration and social security45 | €25k | €13k | €25k | €29k | €23k | ▼ 19.9% |
| Taxes450/3 | €25k | €13k | €25k | €29k | €23k | ▼ 19.9% |
| Other amounts payable47/48 | €263k | €314k | €258k | €720k | €801k | ▲ 11.2% |
| Accrued charges and deferred income492/3 | - | - | - | €450 | €22 | ▼ 95.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46k | €14k | €150k | €17k | €1.35M | ▲ 8,055% |
| + Depreciation and write-downs630 | €33k | €135k | €61k | €99k | €111k | ▲ 12.4% |
| Operating cash flow (approximation) | €79k | €149k | €211k | €115k | €1.46M | ▲ 1,167% |
| Investment in fixed assets (approximation) | - | €-952k | €139k | €-494k | €-2.11M | ▼ 328% |
| Change in cash | - | €-81k | €212k | €-11k | €562k | ▲ 5,264% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €1.35M ▲8,055%
Operating result €1.89M, net result €1.35M, both a record.
31-12
Financial
Equity above €2MEq €2.01M ▲204%
8 profitable years in a row build equity to €2.01M.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €500kEq €646k ▲30.1%
6 profitable years in a row build equity to €646k.
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €14k ▼69%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 11 days late
2019
05-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 36 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 55 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oostkamp · 2 establishment units since 2011
Ground area
3,068 m²
Building footprint
413 m²
Volume, LiDAR
6,085 m³
2 parcels, Flanders · tallest building 26.9 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
V&J GROUP
since 20112.241.113.239
Hillestraat 41, 8020 Oostkamp
since 20252.378.958.256
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0003/00W000 | Flanders | 2,654 m² | - | - |
| 31025B0491/00B000 | Flanders | 413 m² | 1 · 413 m² | 26.9 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 10,907 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-04-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.