VJ Ventures

Active

Private limited companyfounded 20251 yr activeWaregemsesteenweg(KRU) 6, 9770 Kruisem, BelgiumKBO/BCE: BE 1018.831.679

VJ Ventures has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €26k. Its solvency ranks better than 15% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

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Checked score

Score 2025

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability58

Solvency30

Growth-

Track record67

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity short (current ratio 0.72; short-term debt: 61.7% and cash: 20.8% of total assets), and 95.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 10345 sector peers (2025).

NBB · sector comparison

Position among 10345 sector peers

Solvency

better than 15%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 18-09-2025, 43 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

43 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€48k

Total assets

€1.05M

Net result

€26k

Working capital

€-183k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition

Assets €1.05M

55.7%

44.3%

Fixed assets €584k

Current assets €464k

Equity and liabilities €1.05M

95.5%

Equity €48k

Debt €1.00M

Debt finances 95.5% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€176k

Cash flow

€126k

Solvency

4.5%

Current ratio

0.72

Quick ratio

0.38

Debt / equity

21.04

ROE

54.3%

ROA

2.5%

Interest coverage

4.32

Debt

€1.00M

Debt ≤ 1 year

€647k

Debt > 1 year

€353k

Income taxes

€9k

Staff costs

€237k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€1.05M

Fixed assets21/28€584k

Intangible fixed assets21€8k

Tangible fixed assets22/27€576k

Land and buildings22€462k

Plant, machinery and equipment23€113k

Furniture and vehicles24€738

Current assets29/58€464k

Stocks and contracts in progress3€216k

Stocks30/36€216k

Amounts receivable within one year40/41€18k

Trade receivables40€10k

Other amounts receivable41€8k

Cash at bank and in hand54/58€218k

Deferred charges and accrued income490/1€12k

Equity and liabilities

Total equity and liabilities10/49€1.05M

Equity10/15€48k

Contributions10/11€19k

Reserves13€29k

Distributable reserves133€29k

Amounts payable17/49€1.00M

Amounts payable after more than one year17€353k

Financial debts170/4€353k

Amounts payable within one year42/48€647k

Current portion of amounts payable after more than one year42€54k

Trade debts44€502k

Suppliers440/4€502k

Taxes, remuneration and social security45€37k

Taxes450/3€9k

Remuneration and social security454/9€28k

Other amounts payable47/48€54k

Income statement Code2025

Remuneration, social security and pensions62€237k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100k

Other operating charges640/8€620

Gross operating margin9900€414k

Operating profit (loss)9901€76k

Financial charges65/66B€41k

Recurring financial charges65€41k

Profit (loss) for the period before taxes9903€35k

Income taxes67/77€9k

Profit (loss) for the period9904€26k

Profit (loss) for the period to be appropriated9905€26k

Appropriation of the result

Profit (loss) to be appropriated9906€26k

Transfer to equity691/2€26k

To other reserves6921€26k

Social balance

Average headcount (FTE)90874.7

The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2025

18-09

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Kruisem · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Waregemsesteenweg(KRU) 69770 Kruisem

Ground area

978 m²

Building footprint

831 m²

Parcel 45017B0649/00K000, Flanders. Linked by address, not a title deed.

1 establishment unit

VJ Ventures

Waregemsesteenweg(KRU) 6, 9770 KruisemNon-specialised retail sale with food, beverages or tobacco predominating

since 20252.368.955.279

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45017B0649/00K000	Flanders	978 m²	1 · 831 m²	-

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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Kruisem2.368.955.279

1 permission

Toelating · Detailhandel met verwerking · since 17-02-2025

Similar companies · same sector, comparable size

Sint-Pieters-Leeuw · Eq €47k

Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,637 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded16-01-2025

Fiscal year end31-03

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

64210Activities of holding companies

68110Buying and selling of own real estate

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.