VAN DER CRUYS JO
ActiveThe computed 12-month bankruptcy probability of VAN DER CRUYS JO is 1.6% (moderate). The 2025 annual accounts show equity of €50k and a net result of €-18k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 13270 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-4
Solvency35▼-30
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.62 against 0.97 in 2024; short-term debt: 83.8% and cash: 13.3% of total assets), and 90.2% of the assets are financed with debt.
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
9.8%
Return on assets
-3.5%
Age of the figures
18 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-18k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 25-09-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
44 d early
2023
123 d early
2022
49 d early
2021
54 d early
2020
51 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▼ 76.3%
2024 · €213k
2019: €305k
2020: €284k
2021: €265k
2022: €238k
2023: €221k
2024: €213k
2019 → 2025
Total assets
€514k▼ 2.5%
2024 · €527k
2019: €643k
2020: €589k
2021: €557k
2022: €549k
2023: €533k
2024: €527k
2019 → 2025
Net result
€-18k▼ 153%
2024 · €-7k
2019: €3k
2020: €-21k
2021: €-19k
2022: €-27k
2023: €-18k
2024: €-7k
2019 → 2025
Working capital
€-162k▼ 2,008%
2024 · €-8k
2019: €86k
2020: €59k
2021: €43k
2022: €23k
2023: €-10k
2024: €-8k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€265k-€238k▼ 10.1%€221k▼ 7.5%€213k▼ 3.2%€50k▼ 76.3%
Operating result€-13k-€-25k▼ 86.5%€-23k▲ 8.7%€-12k▲ 46.4%€-22k▼ 79.0%
Net result€-19k-€-27k▼ 40.2%€-18k▲ 32.8%€-7k▲ 60.6%€-18k▼ 153%
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 €22k in 2025 against €12k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €514k
Fixed assets
€245k▼ 4.1%
Current assets
€269k▼ 1.0%
Equity and liabilities €514k
Equity
€50k▼ 76.3%
Provisions
€29k▼ 5.2%
Debt
€434k▲ 53.5%
The debt ratio rises from 53.6% to 84.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k▼
2024 · €393
Cash flow
€-4k▼
2024 · €6k
Solvency
9.8%▼
2024 · 40.5%
Current ratio
0.62▼
2024 · 0.97
Quick ratio
0.62▼
2024 · 0.97
Debt / equity
8.60▲
2024 · 1.32
ROE
-35.5%▼
2024 · -3.3%
ROA
-3.5%▼
2024 · -1.3%
Interest coverage
-1.78▼
2024 · 0.09
Debt
€434k▲
2024 · €283k
Debt ≤ 1 year
€430k▲
2024 · €279k
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€527k€514k▼
Fixed assets21/28€256k€245k▼
Tangible fixed assets22/27€256k€245k▼
Land and buildings22€251k€241k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€4k€2k▼
Current assets29/58€271k€269k▼
Amounts receivable within one year40/41€184k€196k▲
Trade receivables40€15k€20k▲
Other amounts receivable41€170k€176k▲
Cash at bank and in hand54/58€83k€68k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€527k€514k▼
Equity10/15€213k€50k▼
Contributions10/11€19k€19k=
Reserves13€207k€59k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€60k€57k▼
Distributable reserves133€145k-
Profit (loss) carried forward14€-12k€-27k▼
Provisions and deferred taxes16€31k€29k▼
Deferred taxes168€31k€29k▼
Amounts payable17/49€283k€434k▲
Amounts payable within one year42/48€279k€430k▲
Trade debts44€1k€91▼
Suppliers440/4€1k€91▼
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48€269k€427k▲
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€1k€8k▲
Gross operating margin9900€2k€-774▼
Operating profit (loss)9901€-12k€-22k▼
Financial income75/76B€8k€7k▼
Recurring financial income75€8k€7k▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-9k€-20k▼
Transfer from deferred taxes780€2k€2k=
Profit (loss) for the period9904€-7k€-18k▼
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€-4k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-27k▼
Profit (loss) brought forward from the previous period14P€-8k€-12k▼
Transfer from equity791/2-€145k
Profit to be distributed694/7-€145k
Return on contributions (dividend)694-€145k
The notes to these accounts (5 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
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
2021
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-10
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
5 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, Ternat · 1 establishment unit since 2003
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.
Assesteenweg 2401740 TernatGround area
82 m²
Building footprint
59 m²
Volume, LiDAR
495 m³
Parcel 23086A0354/00K002, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DE NACHTMIS
since 20032.126.631.958
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086A0354/00K002 | Flanders | 82 m² | 1 · 58 m² | 10.3 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
2022 to 2023 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,057 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2002
Fiscal year end31-03
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.