VS AND VJ
ActiveVS AND VJ has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-8k) and a net result of €-7k. Equity is shrinking by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 16% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▲+8
Solvency21▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 1.66 against 2.28 in 2024; short-term debt: 4.7% and cash: 0.3% of total assets), but equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-4.3%
Return on assets
-4.2%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
20 d early
2023
43 d early
2022
28 d late
2021
4 d early
2020
2 d late
2019
7 d early
← 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
€-8k▼ 4,036%
2024 · €-184
2018: €25k
2019: €24k
2020: €24k
2021: €23k
2022: €19k
2023: €10k
2024: €-184
2018 → 2025
Total assets
€178k▼ 6.4%
2024 · €190k
2018: €45k
2019: €30k
2020: €30k
2021: €102k
2022: €239k
2023: €205k
2024: €190k
2018 → 2025
Net result
€-7k▲ 26.1%
2024 · €-10k
2018: €-2k
2019: €-855
2020: €-104
2021: €-1k
2022: €-4k
2023: €-9k
2024: €-10k
2018 → 2025
Working capital
€5k▼ 45.7%
2024 · €10k
2018: €25k
2019: €24k
2020: €24k
2022: €54k
2023: €17k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€19k▼ 18.5%€10k▼ 47.2%€-184€-8k▼ 4,036%
Operating result€-55-€-3k▼ 5,710%€-5k▼ 52.8%€-6k▼ 30.0%€-4k▲ 37.9%
Net result€-1k-€-4k▼ 254%€-9k▼ 109%€-10k▼ 13.9%€-7k▲ 26.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€164k▼ 4.7%
Current assets
€14k▼ 22.9%
Key figures and ratios
EBITDA
€4k▲
2024 · €2k
Cash flow
€760▲
2024 · €-2k
Solvency
-4.3%▼
2024 · -0.1%
Current ratio
1.66▼
2024 · 2.28
Quick ratio
1.66▼
2024 · 2.28
Debt / equity
-24.43
ROA
-4.2%▲
2024 · -5.3%
Interest coverage
1.22▲
2024 · 0.50
Debt
€186k▼
2024 · €191k
Debt ≤ 1 year
€8k▲
2024 · €8k
Debt > 1 year
€176k▼
2024 · €182k
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€190k€178k▼
Fixed assets21/28€173k€164k▼
Tangible fixed assets22/27€173k€164k▼
Land and buildings22€173k€164k▼
Current assets29/58€18k€14k▼
Amounts receivable within one year40/41€15k€13k▼
Trade receivables40€835€400▼
Other amounts receivable41€14k€13k▼
Cash at bank and in hand54/58€2k€590▼
Deferred charges and accrued income490/1€300-
Equity and liabilities
Total equity and liabilities10/49€190k€178k▼
Equity10/15€-184€-8k▼
Contributions10/11€40k€40k=
Profit (loss) carried forward14€-40k€-48k▼
Amounts payable17/49€191k€186k▼
Amounts payable after more than one year17€182k€176k▼
Financial debts170/4€182k€176k▼
Amounts payable within one year42/48€8k€8k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€1k€791▼
Suppliers440/4€1k€791▼
Taxes, remuneration and social security45€459€840▲
Taxes450/3€459€840▲
Other amounts payable47/48-€303
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€837€921▲
Gross operating margin9900€3k€5k▲
Operating profit (loss)9901€-6k€-4k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-10k€-7k▲
Profit (loss) for the period9904€-10k€-7k▲
Profit (loss) for the period to be appropriated9905€-10k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-48k▼
Profit (loss) brought forward from the previous period14P€-30k€-40k▼
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 5.03
Current ratio from 2.26 to 5.03; short-term debt falls from €20k to €6k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 65 days late
2017
15-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 107 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, Gembloux · 1 establishment unit since 2003
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 Ie-Division-Marocaine,Ernage 215030 GemblouxGround area
850 m²
Building footprint
102 m²
Parcel 92252A0652/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
VS AND VJ
since 20032.132.256.572
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92252A0652/00G000 | Wallonia | 850 m² | 1 · 102 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 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 12,023 companies in sector 68203 we hold annual accounts for 5,986. 1,472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2003
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress 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.