VANBEVEREN
ActiveVANBEVEREN has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €15k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+6
Solvency47▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.51 in 2024; short-term debt: 36.3% and cash: 11.6% of total assets), but 78.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
21.7%
Return on assets
2.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
9 d late
2022
30 d late
2021
31 d late
2020
17 d late
2019
7 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 15.5%
2024 · €96k
2018: €12k
2019: €18k
2020: €31k
2021: €59k
2022: €78k
2023: €94k
2024: €96k
2018 → 2025
Total assets
€512k▲ 1.5%
2024 · €504k
2018: €173k
2019: €203k
2020: €428k
2021: €542k
2022: €566k
2023: €518k
2024: €504k
2018 → 2025
Net result
€15k▲ 439%
2024 · €3k
2018: €6k
2019: €28k
2020: €36k
2021: €28k
2022: €19k
2023: €15k
2024: €3k
2018 → 2025
Working capital
€107k▲ 15.9%
2024 · €92k
2018: €60k
2019: €58k
2020: €124k
2021: €67k
2022: €54k
2023: €95k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€78k▲ 33.1%€94k▲ 19.7%€96k▲ 3.0%€111k▲ 15.5%
Operating result€36k-€36k▲ 1.5%€33k▼ 9.1%€14k▼ 59.2%€31k▲ 130%
Net result€28k-€19k▼ 29.7%€15k▼ 20.7%€3k▼ 82.0%€15k▲ 439%
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 2025; 2025 is 130% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €512k
Fixed assets
€219k▼ 6.0%
Current assets
€293k▲ 7.9%
Equity and liabilities €512k
Equity
€111k▲ 15.5%
Debt
€401k▼ 1.8%
The debt ratio falls from 80.9% to 78.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▲
2024 · €41k
Cash flow
€43k▲
2024 · €31k
Solvency
21.7%▲
2024 · 19.1%
Current ratio
1.57▲
2024 · 1.51
Quick ratio
0.48▲
2024 · 0.33
Debt / equity
3.60▼
2024 · 4.24
ROE
13.4%▲
2024 · 2.9%
ROA
2.9%▲
2024 · 0.6%
Interest coverage
5.93▲
2024 · 5.61
Debt
€401k▼
2024 · €408k
Debt ≤ 1 year
€186k▲
2024 · €179k
Debt > 1 year
€211k▼
2024 · €229k
Income taxes
€6k▲
2024 · €3k
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€504k€512k▲
Fixed assets21/28€233k€219k▼
Tangible fixed assets22/27€232k€218k▼
Land and buildings22€228k€203k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24-€13k
Financial fixed assets28€1k€1k=
Current assets29/58€271k€293k▲
Stocks and contracts in progress3€212k€204k▼
Stocks30/36€212k€204k▼
Amounts receivable within one year40/41€16k€30k▲
Trade receivables40€12k€24k▲
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€43k€59k▲
Deferred charges and accrued income490/1€752€422▼
Equity and liabilities
Total equity and liabilities10/49€504k€512k▲
Equity10/15€96k€111k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€88k€103k▲
Amounts payable17/49€408k€401k▼
Amounts payable after more than one year17€229k€211k▼
Financial debts170/4€179k€161k▼
Other amounts payable178/9€50k€50k=
Amounts payable within one year42/48€179k€186k▲
Current portion of amounts payable after more than one year42€22k€17k▼
Financial debts43€28k€27k▼
Credit institutions430/8€28k€27k▼
Trade debts44€64k€48k▼
Suppliers440/4€64k€48k▼
Advances received on contracts in progress46-€20k
Taxes, remuneration and social security45€18k€12k▼
Taxes450/3€18k€12k▼
Other amounts payable47/48€47k€62k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€6k€9k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€48k€71k▲
Operating profit (loss)9901€14k€31k▲
Financial income75/76B€108€27▼
Recurring financial income75€108€27▼
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€6k€21k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€3k€15k▲
Profit (loss) for the period to be appropriated9905€3k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€88k€103k▲
Profit (loss) brought forward from the previous period14P€86k€88k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €111k ▲15.5%
8 profitable years in a row build equity to €111k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼82%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €36k ▲28.5%
Operating result €42k, net result €36k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beveren-Kruibeke-Zwijndrecht · 2 establishment units 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.
Statiestraat 12070 Beveren-Kruibeke-ZwijndrechtGround area
462 m²
Building footprint
313 m²
Volume, LiDAR
1,098 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Juwelier Vanbeveren
since 20172.263.162.824
Juwelier Vanbeveren
since 20212.322.046.277
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056B0823/00A004 | Flanders | 256 m² | 1 · 145 m² | 10.5 m · 3 fl. |
| 46502D0182/00B000 | Flanders | 206 m² | 1 · 168 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2023 to 2025 · 3 entries · 18,053 EUR awarded · 18,053 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,768 EUR | 3,768 EUR |
| 2024 | 1 | 7,247 EUR | 7,247 EUR |
| 2023 | 1 | 7,038 EUR | 7,038 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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JULIA JEWELLERY
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Of 2,016 companies in sector 47770 we hold annual accounts for 898. 714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2017
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
32123Manufacture of jewellery
32124Other manufacturing
32129Other manufacturing
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.