VJA HORECA
ActiveVJA HORECA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145k and a net result of €36k. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 1305 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+6
Solvency68▼-16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 3.08 in 2024; short-term debt: 35.3% and cash: 30.1% of total assets), but 57.2% 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 33
Relative position
BE, all sectors
reference
Sector 33
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
42.8%
Return on assets
10.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-04-2026, 99 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
99 d early
2024
13 d early
2023
12 d late
2022
15 d early
2021
22 d late
2020
20 d late
2019
54 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€145k▼ 28.4%
2024 · €202k
2018: €67k
2019: €89k
2020: €100k
2021: €107k
2022: €138k
2023: €182k
2024: €202k
2018 → 2025
Total assets
€338k▼ 0.8%
2024 · €340k
2018: €91k
2019: €98k
2020: €259k
2021: €263k
2022: €278k
2023: €298k
2024: €340k
2018 → 2025
Net result
€36k▲ 74.1%
2024 · €20k
2018: €35k
2019: €22k
2020: €11k
2021: €7k
2022: €25k
2023: €44k
2024: €20k
2018 → 2025
Working capital
€73k▼ 37.7%
2024 · €117k
2018: €57k
2019: €82k
2020: €39k
2021: €49k
2022: €62k
2023: €110k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€138k▲ 29.2%€182k▲ 31.6%€202k▲ 11.2%€145k▼ 28.4%
Operating result€10k-€35k▲ 242%€60k▲ 71.5%€29k▼ 52.2%€49k▲ 69.4%
Net result€7k-€25k▲ 268%€44k▲ 74.0%€20k▼ 53.2%€36k▲ 74.1%
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 69% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €338k
Fixed assets
€146k▼ 12.6%
Current assets
€192k▲ 10.7%
Equity and liabilities €338k
Equity
€145k▼ 28.4%
Debt
€193k▲ 39.8%
The debt ratio rises from 40.6% to 57.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€70k▲
2024 · €45k
Cash flow
€57k▲
2024 · €37k
Solvency
42.8%▼
2024 · 59.4%
Current ratio
1.61▼
2024 · 3.08
Quick ratio
1.02▼
2024 · 2.24
Debt / equity
1.33▲
2024 · 0.68
ROE
24.6%▲
2024 · 10.1%
ROA
10.5%▲
2024 · 6.0%
Interest coverage
44.11▲
2024 · 26.92
Debt
€193k▲
2024 · €138k
Debt ≤ 1 year
€119k▲
2024 · €56k
Debt > 1 year
€74k▼
2024 · €82k
Income taxes
€12k▲
2024 · €7k
Staff costs
€36k▲
2024 · €18k
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€340k€338k▼
Fixed assets21/28€167k€146k▼
Tangible fixed assets22/27€165k€144k▼
Land and buildings22€130k€120k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€34k€23k▼
Financial fixed assets28€1k€1k=
Current assets29/58€173k€192k▲
Stocks and contracts in progress3€47k€71k▲
Stocks30/36€47k€71k▲
Amounts receivable within one year40/41€55k€17k▼
Trade receivables40€42k€10k▼
Other amounts receivable41€13k€7k▼
Cash at bank and in hand54/58€66k€102k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€340k€338k▼
Equity10/15€202k€145k▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€183k€126k▼
Distributable reserves133€183k€126k▼
Amounts payable17/49€138k€193k▲
Amounts payable after more than one year17€82k€74k▼
Financial debts170/4€82k€74k▼
Amounts payable within one year42/48€56k€119k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€18k€1k▼
Suppliers440/4€18k€1k▼
Advances received on contracts in progress46€19k-
Taxes, remuneration and social security45€2k€22k▲
Taxes450/3€500€17k▲
Remuneration and social security454/9€2k€6k▲
Other amounts payable47/48€9k€88k▲
Income statement
Code20242025
Remuneration, social security and pensions62€18k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€21k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€66k€109k▲
Operating profit (loss)9901€29k€49k▲
Financial income75/76B€6€11▲
Recurring financial income75€6€11▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€27k€47k▲
Income taxes67/77€7k€12k▲
Profit (loss) for the period9904€20k€36k▲
Profit (loss) for the period to be appropriated9905€20k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€36k▲
Transfer from equity791/2-€57k
Transfer to equity691/2€20k-
To other reserves6921€20k-
Profit to be distributed694/7-€93k
Directors or managers695-€93k
The notes to these accounts (6 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €202k ▲11.2%
7 profitable years in a row build equity to €202k.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Highest result since 2018net €44k ▲74%
Operating result €60k, net result €44k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.14
Current ratio from 2.44 to 5.14; short-term debt falls from €43k to €27k.
31-12
Financial
Equity above €150kEq €182k ▲31.6%
6 profitable years in a row build equity to €182k.
16-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet €7k ▼38.4%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Equity above €100kEq €100k ▲12.4%
3 profitable years in a row build equity to €100k.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 9.92
Current ratio from 3.31 to 9.92; short-term debt falls from €25k to €9k.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
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, Fléron · 1 establishment unit 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.
Rue du Bois 234624 FléronGround area
1,028 m²
Building footprint
168 m²
Volume, LiDAR
871 m³
Parcel 62089B0090/00M000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VJA HORECA
since 20172.262.192.032
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62089B0090/00M000 | Wallonia | 1,028 m² | 1 · 168 m² | 7.1 m · 2 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.
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Of 1,225 companies in sector 33200 we hold annual accounts for 676. 531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2016
Fiscal year end31-12
Activities, NACEBEL
33140Repair and maintenance of electrical equipment
33200Installation of industrial machinery and equipment
28250Manufacture of machinery and equipment not elsewhere classified
43222Installation of electric heating, air conditioning, cooling and ventilation
46472Wholesale trade
46647Wholesale trade
46650Wholesale trade
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.