VJ-ARCHITECTURE
ActiveSummary
VJ-ARCHITECTURE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €29k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability94▼-6
Solvency59▼-4
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.85 in 2024; short-term debt: 66.2% and cash: 55.4% of total assets), and 66.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
33.8%
Return on assets
20.2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
20 d late
2024
6 d early
2023
57 d early
2022
54 d early
2021
52 d early
← 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, micro schema
Turnover
€118k
EBIT margin
11.6%
Net result
€29k▼ 17.2%
2024 · €35k
2021: €10klowest in 5 years
2022: €19k▲ +87.5% vs 2021
2023: €10k▼ -44.6% vs 2022
2024: €35k▲ +238% vs 2023highest in 5 years
2025: €29k▼ -17.2% vs 2024
2021 → 2025
Working capital
€1k
2024 · €-12k
2021: €-59klowest in 5 years
2022: €-32k▲ +45.6% vs 2021
2023: €-31k▲ +4.1% vs 2022
2024: €-12k▲ +61.5% vs 2023
2025: €1k▲ +112% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€118k-
Equity€19k-€38k▲ 99.0%€33k▼ 12.0%€49k▲ 46.0%€49k▲ 0.6%
2021: €19klowest in 5 years
2022: €38k▲ +99.0% vs 2021
2023: €33k▼ -12.0% vs 2022
2024: €49k▲ +46.0% vs 2023
2025: €49k▲ +0.6% vs 2024highest in 5 years
Operating result€14k-€26k▲ 87.1%€17k▼ 34.3%€52k▲ 208%€41k▼ 20.7%
2021: €14klowest in 5 years
2022: €26k▲ +87.1% vs 2021
2023: €17k▼ -34.3% vs 2022
2024: €52k▲ +208% vs 2023highest in 5 years
2025: €41k▼ -20.7% vs 2024
Net result€10k-€19k▲ 87.5%€10k▼ 44.6%€35k▲ 238%€29k▼ 17.2%
2021: €10klowest in 5 years
2022: €19k▲ +87.5% vs 2021
2023: €10k▼ -44.6% vs 2022
2024: €35k▲ +238% vs 2023highest in 5 years
2025: €29k▼ -17.2% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€48k ▼ 21.6%
Current assets
€98k ▲ 44.3%
Equity and liabilities €145k
Equity
€49k ▲ 0.6%
Debt
€96k ▲ 20.8%
Debt's share of the balance-sheet total rises from 62.0% to 66.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▼
2024 · €65k
Cash flow
€42k▼
2024 · €48k
Current ratio
1.02▲
2024 · 0.85
Debt to equity
1.96▲
2024 · 1.63
ROE
59.7%▼
2024 · 72.5%
ROA
20.2%▼
2024 · 27.6%
Interest coverage
128.87▲
2024 · 21.59
Debt ≤ 1 year
€96k▲
2024 · €80k
Income taxes
€12k▼
2024 · €14k
Staff costs
€19k▼
2024 · €20k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€128k€145k▲
Fixed assets21/28€61k€48k▼
Intangible fixed assets21€45k€38k▼
Tangible fixed assets22/27€16k€10k▼
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€9k€5k▼
Current assets29/58€68k€98k▲
Amounts receivable within one year40/41€11k€9k▼
Trade receivables40€11k€9k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€51k€80k▲
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€128k€145k▲
Equity10/15€49k€49k▲
Contributions10/11€9k€9k=
Profit (loss) carried forward14€40k€40k▲
Amounts payable17/49€80k€96k▲
Amounts payable within one year42/48€80k€96k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€17k€10k▼
Taxes450/3€10k€6k▼
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48€58k€83k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€20k€19k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€746€525▼
Gross operating margin9900€86k€74k▼
Operating profit (loss)9901€52k€41k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€422▼
Recurring financial charges65€3k€422▼
Profit (loss) for the period before taxes9903€49k€41k▼
Income taxes67/77€14k€12k▼
Profit (loss) for the period9904€35k€29k▼
Profit (loss) for the period to be appropriated9905€35k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€69k▲
Profit (loss) brought forward from the previous period14P€24k€40k▲
Profit to be distributed694/7€20k€29k▲
Return on contributions (dividend)694€20k€29k▲
The notes to these accounts (7 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €118k | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €81k | - | - | - | - | - |
| Remuneration, social security and pensions62 | €13k | €19k | €20k | €20k | €19k | ▼ 6.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €14k | €15k | €13k | €13k | ▲ 1.0% |
| Other operating charges640/8 | €935 | €676 | €733 | €746 | €525 | ▼ 29.6% |
| Gross operating margin9900 | €39k | €59k | €52k | €86k | €74k | ▼ 14.2% |
| Operating profit (loss)9901 | €14k | €26k | €17k | €52k | €41k | ▼ 20.7% |
| Financial income75/76B | €14 | €0 | - | €0 | - | - |
| Recurring financial income75 | €14 | €0 | - | €0 | - | - |
| Financial charges65/66B | €417 | €893 | €2k | €3k | €422 | ▼ 86.0% |
| Recurring financial charges65 | €417 | €893 | €2k | €3k | €422 | ▼ 86.0% |
| Profit (loss) for the period before taxes9903 | €13k | €25k | €15k | €49k | €41k | ▼ 16.7% |
| Income taxes67/77 | €3k | €6k | €4k | €14k | €12k | ▼ 15.5% |
| Profit (loss) for the period9904 | €10k | €19k | €10k | €35k | €29k | ▼ 17.2% |
| Profit (loss) for the period to be appropriated9905 | €10k | €19k | €10k | €35k | €29k | ▼ 17.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €108k | €116k | €104k | €128k | €145k | ▲ 13.1% |
| Fixed assets21/28 | €83k | €71k | €64k | €61k | €48k | ▼ 21.6% |
| Intangible fixed assets21 | €69k | €61k | €53k | €45k | €38k | ▼ 16.7% |
| Tangible fixed assets22/27 | €15k | €11k | €12k | €16k | €10k | ▼ 35.7% |
| Land and buildings22 | - | - | - | €3k | €2k | ▼ 10.8% |
| Plant, machinery and equipment23 | - | - | €5k | €4k | €3k | ▼ 29.7% |
| Furniture and vehicles24 | €15k | €11k | €7k | €9k | €5k | ▼ 45.2% |
| Current assets29/58 | €25k | €45k | €40k | €68k | €98k | ▲ 44.3% |
| Amounts receivable within one year40/41 | €8k | €9k | €4k | €11k | €9k | ▼ 19.8% |
| Trade receivables40 | €8k | €9k | €4k | €11k | €9k | ▼ 19.8% |
| Other amounts receivable41 | €12 | €136 | €238 | €0 | - | - |
| Cash at bank and in hand54/58 | €17k | €35k | €35k | €51k | €80k | ▲ 56.8% |
| Deferred charges and accrued income490/1 | - | €462 | €520 | €5k | €8k | ▲ 57.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €108k | €116k | €104k | €128k | €145k | ▲ 13.1% |
| Equity10/15 | €19k | €38k | €33k | €49k | €49k | ▲ 0.6% |
| Contributions10/11 | €9k | €9k | €9k | €9k | €9k | = |
| Profit (loss) carried forward14 | €10k | €29k | €24k | €40k | €40k | ▲ 0.7% |
| Amounts payable17/49 | €89k | €78k | €71k | €80k | €96k | ▲ 20.8% |
| Amounts payable within one year42/48 | €84k | €77k | €71k | €80k | €96k | ▲ 20.8% |
| Trade debts44 | €6k | €3k | €3k | €5k | €4k | ▼ 22.0% |
| Suppliers440/4 | €6k | €3k | €3k | €5k | €4k | ▼ 22.0% |
| Taxes, remuneration and social security45 | €18k | €17k | €18k | €17k | €10k | ▼ 42.9% |
| Taxes450/3 | €9k | €12k | €12k | €10k | €6k | ▼ 42.2% |
| Remuneration and social security454/9 | €9k | €6k | €6k | €6k | €3k | ▼ 44.1% |
| Other amounts payable47/48 | €59k | €57k | €50k | €58k | €83k | ▲ 42.4% |
| Accrued charges and deferred income492/3 | €5k | €920 | €2 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €19k | €10k | €35k | €29k | ▼ 17.2% |
| + Depreciation and write-downs630 | €11k | €14k | €15k | €13k | €13k | ▲ 1.0% |
| Operating cash flow (approximation) | €21k | €32k | €25k | €48k | €42k | ▼ 12.3% |
| Investment in fixed assets (approximation) | - | €-2k | €-8k | €-9k | €0 | ▲ 100% |
| Change in cash | - | €18k | €-174 | €16k | €29k | ▲ 79.1% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €35k ▲238%
Operating result €52k, net result €35k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Jalhay · 1 establishment unit since 2021
Ground area
906 m²
Building footprint
96 m²
Volume, LiDAR
741 m³
Parcel 63068C0606/00Z000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VJ-Architecture
since 20212.315.213.321
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068C0606/00Z000 | Wallonia | 905 m² | 1 · 96 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,323. 5,334 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
Founded29-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
Scores and ratios are computed by Checked and are not a credit decision.