VJA
ActiveSummary
VJA has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,755 and a net result of €1,713. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▲+4
Solvency100▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 8.96 against 2.17 in 2024; short-term debt: 9.7% and cash: 8.2% of total assets), and 9.7% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
90.3%
Return on assets
6.8%
Age of the figures
12 mo
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-05-2026, 21 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 · 9 filingsDeviation from the deadline
2025
21 d late
2024
23 d early
2023
19 d early
2022
20 d early
2021
8 d early
2020
28 d early
2019
27 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€22,755▲ 8.1%
2024 · €21,042
Total assets
€25,195▼ 21.1%
2024 · €31,918
Net result
€1,713▲ 69.3%
2024 · €1,012
Working capital
€19,423▲ 52.5%
2024 · €12,733
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,655▼ 38.4%€991▼ 40.1%€3,662▲ 269%€3,302▼ 9.8%€833▼ 74.8%
Net result€482▼ 75.0%€739▲ 53.3%€2,482▲ 236%€1,012▼ 59.2%€1,713▲ 69.3%
Equity€16,809▲ 3.0%€17,548▲ 4.4%€20,030▲ 14.1%€21,042▲ 5.1%€22,755▲ 8.1%
Total assets€26,747▲ 9.9%€21,522▼ 19.5%€22,101▲ 2.7%€31,918▲ 44.4%€25,195▼ 21.1%
Debt€9,937▲ 24.1%€3,974▼ 60.0%€2,071▼ 47.9%€10,876▲ 425%€2,439▼ 77.6%
Working capital€3,616▲ 562%€8,505▲ 135%€6,239▼ 26.6%€12,733▲ 104%€19,423▲ 52.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,195
Fixed assets
€3,332 ▼ 59.9%
Current assets
€21,863 ▼ 7.4%
Equity and liabilities €25,195
Equity
€22,755 ▲ 8.1%
Debt
€2,439 ▼ 77.6%
Debt's share of the balance-sheet total falls from 34.1% to 9.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5,810▼
2024 · €9,132
Cash flow
€6,690▼
2024 · €6,842
Current ratio
8.96▲
2024 · 2.17
Debt to equity
0.11▼
2024 · 0.52
ROE
7.5%▲
2024 · 4.8%
ROA
6.8%▲
2024 · 3.2%
Interest coverage
38.81▼
2024 · 63.35
Debt ≤ 1 year
€2,439▼
2024 · €10,876
Income taxes
-€1,029▼
2024 · €2,146
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €3,232 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,693 | €3,803 | €5,767 | €5,830 | €4,977 | ▼ 14.6% |
| Other operating charges640/8 | €615 | €270 | €1,212 | €1,213 | €923 | ▼ 24.0% |
| Gross operating margin9900 | €5,962 | €5,065 | €10,641 | €13,578 | €6,733 | ▼ 50.4% |
| Operating profit (loss)9901 | €1,655 | €991 | €3,662 | €3,302 | €833 | ▼ 74.8% |
| Financial income75/76B | - | €0 | - | - | €0 | - |
| Recurring financial income75 | - | €0 | - | - | €0 | - |
| Financial charges65/66B | €92 | €138 | €150 | €144 | €150 | ▲ 3.9% |
| Recurring financial charges65 | €92 | €138 | €150 | €144 | €150 | ▲ 3.9% |
| Profit (loss) for the period before taxes9903 | €1,562 | €853 | €3,512 | €3,158 | €684 | ▼ 78.3% |
| Income taxes67/77 | €1,080 | €114 | €1,030 | €2,146 | -€1,029 | ▼ 148% |
| Profit (loss) for the period9904 | €482 | €739 | €2,482 | €1,012 | €1,713 | ▲ 69.3% |
| Profit (loss) for the period to be appropriated9905 | €482 | €739 | €2,482 | €1,012 | €1,713 | ▲ 69.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,747 | €21,522 | €22,101 | €31,918 | €25,195 | ▼ 21.1% |
| Fixed assets21/28 | €13,194 | €9,390 | €14,139 | €8,309 | €3,332 | ▼ 59.9% |
| Tangible fixed assets22/27 | €12,944 | €9,140 | €13,889 | €8,059 | €3,082 | ▼ 61.8% |
| Plant, machinery and equipment23 | - | - | €2,445 | €1,607 | €769 | ▼ 52.2% |
| Furniture and vehicles24 | €1,096 | €495 | €6,001 | €3,178 | €355 | ▼ 88.8% |
| Other tangible fixed assets26 | €11,848 | €8,645 | €5,442 | €3,274 | €1,959 | ▼ 40.2% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €13,553 | €12,132 | €7,963 | €23,609 | €21,863 | ▼ 7.4% |
| Amounts receivable within one year40/41 | €240 | €3,822 | €5,020 | €13,310 | €19,467 | ▲ 46.3% |
| Trade receivables40 | - | - | - | €13,310 | - | - |
| Other amounts receivable41 | €240 | €3,822 | €5,020 | - | €19,467 | - |
| Cash at bank and in hand54/58 | €13,168 | €2,518 | €2,650 | €10,020 | €2,075 | ▼ 79.3% |
| Deferred charges and accrued income490/1 | €145 | €5,792 | €293 | €280 | €321 | ▲ 14.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,747 | €21,522 | €22,101 | €31,918 | €25,195 | ▼ 21.1% |
| Equity10/15 | €16,809 | €17,548 | €20,030 | €21,042 | €22,755 | ▲ 8.1% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €4,409 | €5,148 | €7,630 | €8,642 | €10,355 | ▲ 19.8% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | €2,549 | €3,288 | €5,770 | €8,642 | €10,355 | ▲ 19.8% |
| Amounts payable17/49 | €9,937 | €3,974 | €2,071 | €10,876 | €2,439 | ▼ 77.6% |
| Amounts payable within one year42/48 | €9,937 | €3,626 | €1,723 | €10,876 | €2,439 | ▼ 77.6% |
| Trade debts44 | €833 | €1,365 | €589 | €1,273 | €2,126 | ▲ 67.0% |
| Suppliers440/4 | €833 | €1,365 | €589 | €1,273 | €2,126 | ▲ 67.0% |
| Advances received on contracts in progress46 | €2,420 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €1,989 | €500 | €1,100 | €3,559 | €250 | ▼ 93.0% |
| Taxes450/3 | €1,989 | €500 | €1,100 | €3,559 | €250 | ▼ 93.0% |
| Other amounts payable47/48 | €4,696 | €1,761 | €34 | €6,044 | €64 | ▼ 98.9% |
| Accrued charges and deferred income492/3 | - | €348 | €348 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €482 | €739 | €2,482 | €1,012 | €1,713 | ▲ 69.3% |
| + Depreciation and write-downs630 | €3,693 | €3,803 | €5,767 | €5,830 | €4,977 | ▼ 14.6% |
| Operating cash flow (approximation) | €4,175 | €4,542 | €8,249 | €6,842 | €6,690 | ▼ 2.2% |
| Investment in fixed assets (approximation) | - | €0 | -€10,515 | €0 | €0 | - |
| Change in cash | - | -€10,650 | €131 | €7,370 | -€7,945 | ▼ 208% |
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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
30-09
Financial
Liquidity quadruplescurrent ratio 8.96
Current ratio from 2.17 to 8.96; short-term debt falls from €10,876 to €2,439.
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €2,482 ▲236%
Operating result €3,662, net result €2,482, both a record.
10-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 3.35
Current ratio from 1.36 to 3.35; short-term debt falls from €9,937 to €3,626.
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Heist-op-den-Berg · 1 establishment unit since 2015
Ground area
925 m²
Building footprint
330 m²
Volume, LiDAR
1,863 m³
Parcel 12006C1091/00P000, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
VJA
since 20152.249.498.789
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12006C1091/00P000 | Flanders | 925 m² | 1 · 330 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 22,076 companies in sector 69101 we hold annual accounts for 9,058. 6,344 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
Founded23-12-2015
Fiscal year end30-09
Activities, NACEBEL 2025
69101Activities of lawyers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0644792850
Also
9925:BE0644792850
Registered
12-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.