VJA-WERKEN
ActiveSummary
The computed 12-month bankruptcy probability of VJA-WERKEN is 1.9% (moderate). The 2025 annual accounts show equity of €59k and a net result of €16k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 89% of 4486 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+13
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 4.97 in 2024; short-term debt: 18.5% and cash: 34.4% of total assets), and 18.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
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
81.5%
Return on assets
22.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
25 d late
2023
47 d late
2022
98 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 37.4%
2024 · €43k
2022: €22k
2023: €37k
2024: €43k
2022 → 2025
Total assets
€72k▲ 45.5%
2024 · €50k
2022: €46k
2023: €59k
2024: €50k
2022 → 2025
Net result
€16k▲ 176%
2024 · €6k
2022: €17k
2023: €15k
2024: €6k
2022 → 2025
Working capital
€30k▲ 24.0%
2024 · €24k
2022: €25k
2023: €25k
2024: €24k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€22k-€37k▲ 67.8%€43k▲ 15.7%€59k▲ 37.4%
Operating result€24k-€20k▼ 13.6%€8k▼ 62.9%€22k▲ 195%
Net result€17k-€15k▼ 12.4%€6k▼ 61.2%€16k▲ 176%
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 195% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€29k ▲ 49.9%
Current assets
€43k ▲ 42.8%
Equity and liabilities €72k
Equity
€59k ▲ 37.4%
Debt
€13k ▲ 97.3%
Debt's share of the balance-sheet total rises from 13.6% to 18.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €14k
Cash flow
€23k▲
2024 · €12k
Current ratio
3.26▼
2024 · 4.97
Debt to equity
0.23▲
2024 · 0.16
ROE
27.2%▲
2024 · 13.6%
ROA
22.2%▲
2024 · 11.7%
Interest coverage
54.80▼
2024 · 97.01
Debt ≤ 1 year
€13k▲
2024 · €6k
Income taxes
€6k▲
2024 · €2k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€50k€72k▲
Fixed assets21/28€19k€29k▲
Tangible fixed assets22/27€19k€29k▲
Plant, machinery and equipment23€13k€13k▲
Furniture and vehicles24€6k€16k▲
Current assets29/58€30k€43k▲
Amounts receivable within one year40/41€6k€16k▲
Trade receivables40€5k€11k▲
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58€24k€25k▲
Deferred charges and accrued income490/1€117€2k▲
Equity and liabilities
Total equity and liabilities10/49€50k€72k▲
Equity10/15€43k€59k▲
Contributions10/11€5k€5k=
Reserves13€32k€48k▲
Distributable reserves133€32k€48k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€7k€13k▲
Amounts payable within one year42/48€6k€13k▲
Trade debts44€1k€7k▲
Suppliers440/4€1k€7k▲
Advances received on contracts in progress46-€648
Taxes, remuneration and social security45€2k€281▼
Taxes450/3€31€281▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€4k€6k▲
Accrued charges and deferred income492/3€624-
Income statement
Code20242025
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€864
Other operating charges640/8€2k€785▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€16k€33k▲
Operating profit (loss)9901€8k€22k▲
Financial income75/76B€2€241▲
Recurring financial income75€2€241▲
Financial charges65/66B€142€541▲
Recurring financial charges65€142€541▲
Profit (loss) for the period before taxes9903€7k€22k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€6k€16k▲
Profit (loss) for the period to be appropriated9905€6k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€22k▲
Profit (loss) brought forward from the previous period14P-€6k
Transfer to equity691/2-€16k
To other reserves6921-€16k
The notes to these accounts (7 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €6k ▼61.2%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.97
Current ratio from 2.17 to 4.97; short-term debt falls from €22k to €6k.
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 98 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Holsbeek · 1 establishment unit since 2021
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.
Werfweg 103220 HolsbeekGround area
899 m²
Building footprint
214 m²
Volume, LiDAR
1,041 m³
Parcel 24103A0130/00S000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VJA-WERKEN
since 20212.322.272.941
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24103A0130/00S000 | Flanders | 899 m² | 1 · 214 m² | 8.5 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 21,216 companies in sector 81300 we hold annual accounts for 4,362. 3,630 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
43221Plumbing work
43230Insulation installation
43240Other construction installation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.