VERHOEVEN JONAS 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 €1.14M and a net result of €779k. Equity is growing by ~40.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 1463 sector peers (fiscal year 2025). The company has been active since 2018 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 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
14 d early
2023
16 d early
2022
31 d late
2021
31 d late
2020
9 d early
2019
18 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.14M▲ 179%
2024 · €409k
2019: €-3k
2019: €17k
2020: €164k
2021: €226k
2022: €203k
2023: €182k
2024: €409k
2019 → 2025
Net result
€779k▲ 243%
2024 · €227k
2019: €-23k
2019: €20k
2020: €147k
2021: €92k
2022: €-23k
2023: €-21k
2024: €227k
2019 → 2025
Total assets
€3.04M▲ 97.4%
2024 · €1.54M
2019: €121k
2019: €1.50M
2020: €1.48M
2021: €1.39M
2022: €1.80M
2023: €1.50M
2024: €1.54M
2019 → 2025
Solvency
37.5%▲ 10.9pp
2024 · 26.6%
2019: -2.2%
2019: 1.1%
2020: 11.0%
2021: 16.3%
2022: 11.3%
2023: 12.2%
2024: 26.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€226k-€203k▼ 10.3%€182k▼ 10.2%€409k▲ 125%€1.14M▲ 179%
Operating result€171k-€14k▼ 91.5%€38k▲ 159%€360k▲ 860%€1.20M▲ 233%
Net result€92k-€-23k€-21k▲ 10.5%€227k€779k▲ 243%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 233% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.04M
Fixed assets
€1.51M▲ 38.5%
Current assets
€1.53M▲ 240%
Equity and liabilities €3.04M
Equity
€1.14M▲ 179%
Debt
€1.90M▲ 68.0%
The debt ratio falls from 73.4% to 62.5%. Equity and debt are higher.
Key figures and ratios
Solvency
37.5%▲
2024 · 26.6%
ROE
68.3%▲
2024 · 55.5%
ROA
25.6%▲
2024 · 14.8%
Debt
€1.90M▲
2024 · €1.13M
Debt ≤ 1 year
€1.39M▲
2024 · €413k
Debt > 1 year
€515k▼
2024 · €718k
Income taxes
€386k▲
2024 · €104k
Staff costs
€223k▼
2024 · €530k
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€1.54M€3.04M▲
Fixed assets21/28€1.09M€1.51M▲
Intangible fixed assets21€834k€1.09M▲
Tangible fixed assets22/27€255k€420k▲
Land and buildings22€166k€155k▼
Plant, machinery and equipment23€88k€261k▲
Furniture and vehicles24€590€4k▲
Financial fixed assets28€405€405=
Current assets29/58€451k€1.53M▲
Amounts receivable after more than one year29-€1.17M
Other amounts receivable291-€1.17M
Amounts receivable within one year40/41€269k€151k▼
Trade receivables40€62k€38k▼
Other amounts receivable41€207k€114k▼
Cash at bank and in hand54/58€155k€207k▲
Deferred charges and accrued income490/1€27k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.54M€3.04M▲
Equity10/15€409k€1.14M▲
Contributions10/11€20k€20k=
Reserves13€389k€1.12M▲
Distributable reserves133€389k€1.12M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€1.13M€1.90M▲
Amounts payable after more than one year17€718k€515k▼
Financial debts170/4€718k€515k▼
Amounts payable within one year42/48€413k€1.39M▲
Current portion of amounts payable after more than one year42€237k€103k▼
Financial debts43€9k€868k▲
Credit institutions430/8€9k€868k▲
Trade debts44€37k€302k▲
Suppliers440/4€37k€302k▲
Taxes, remuneration and social security45€93k€112k▲
Taxes450/3€74k€92k▲
Remuneration and social security454/9€19k€20k▲
Other amounts payable47/48€37k€982▼
Income statement
Code20242025
Non-recurring operating income76A€6k€1.47M▲
Remuneration, social security and pensions62€530k€223k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€187k€135k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€26k€352k▲
Gross operating margin9900€1.11M€1.92M▲
Operating profit (loss)9901€360k€1.20M▲
Financial income75/76B€25€1k▲
Recurring financial income75€25€1k▲
Financial charges65/66B€29k€36k▲
Recurring financial charges65€29k€36k▲
Profit (loss) for the period before taxes9903€331k€1.16M▲
Income taxes67/77€104k€386k▲
Profit (loss) for the period9904€227k€779k▲
Profit (loss) for the period to be appropriated9905€227k€779k▲
Appropriation of the result
Profit (loss) to be appropriated9906€227k€779k▲
Transfer from equity791/2€0€48k▲
Transfer to equity691/2€227k€779k▲
To other reserves6921€227k€779k▲
Profit to be distributed694/7-€48k
Return on contributions (dividend)694-€48k
Social balance
Average headcount (FTE)90877.94.0▼
The notes to these accounts (24 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2019net €779k ▲243%
Operating result €1.20M, net result €779k, both a record.
31-12
Financial
Equity above €1MEq €1.14M ▲179%
2 profitable years in a row build equity to €1.14M.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €227k
Net result €227k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €409k ▲125%
Equity rises from €182k to €409k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-23k ▼125%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Equity above €200kEq €226k ▲37.9%
3 profitable years in a row build equity to €226k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €164k ▲869%
2 profitable years in a row build equity to €164k.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Liquidity times 13current ratio 1.38
Current ratio from 0.10 to 1.38.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Merksplas · 1 establishment unit since 2018
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.
Kerkplein 22330 MerksplasGround area
134 m²
Building footprint
161 m²
Volume, LiDAR
1,413 m³
Parcel 13023I0250/00H000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Verhoeven Jonas
since 20182.272.969.524
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023I0250/00H000 | Flanders | 134 m² | 1 · 161 m² | 12.2 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 · 750 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 450 EUR | 450 EUR |
| 2022 | 1 | 300 EUR | 300 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
JOHAN VANCAESTER
BE 0887.619.284
Gent · Eq €1.13M
F.B. FINANCES
BE 0860.638.240
Sint-Jans-Molenbeek · Eq €1.15M
NELE GELDHOF
BE 0897.730.545
Torhout · Eq €1.12M
POPERINGS BELEGGINGSKANTOOR
BE 0436.133.180
Poperinge · Eq €1.12M
DEKAFIN
BE 0686.965.480
Ronse · Eq €1.12M
Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 832 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2018
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.