VVHDJ
ActiveVVHDJ has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-50k) and a net result of €10k. Equity is shrinking by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 12617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
21
/ 100
Critical▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-48
Solvency42▲+9
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.91 against 0.25 in 2024), and 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
-111.7%
Return on assets
22.2%
Age of the figures
8 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12617 sector peers (2025).
NBB · sector comparisonPosition among 12617 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 7 filingsDeviation from the deadline
2025
14 d late
2024
on the day
2023
20 d late
2022
13 d early
2021
24 d early
2020
3 d early
2019
49 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-50k▲ 16.6%
2024 · €-60k
2019: €19k
2020: €-7k
2021: €-39k
2022: €-53k
2023: €-54k
2024: €-60k
2019 → 2025
Total assets
€45k▼ 43.3%
2024 · €79k
2019: €417k
2020: €344k
2021: €280k
2022: €212k
2023: €150k
2024: €79k
2019 → 2025
Net result
€10k
2024 · €-6k
2019: €636
2020: €-25k
2021: €-32k
2022: €-14k
2023: €-880
2024: €-6k
2019 → 2025
Working capital
€-3k▲ 87.5%
2024 · €-25k
2019: €-5k
2020: €-3k
2021: €-17k
2022: €-18k
2023: €-15k
2024: €-25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-39k-€-53k▼ 36.6%€-54k▼ 1.7%€-60k▼ 10.7%€-50k▲ 16.6%
Operating result€-26k-€-9k▲ 65.0%€3k€-3k€12k
Net result€-32k-€-14k▲ 55.6%€-880▲ 93.8%€-6k▼ 559%€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €3k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€12k▼ 82.8%
Current assets
€33k▲ 283%
Key figures and ratios
EBITDA
€77k▲
2024 · €61k
Cash flow
€74k▲
2024 · €58k
Solvency
-111.7%▼
2024 · -75.8%
Current ratio
0.91▲
2024 · 0.25
Quick ratio
0.91▲
2024 · 0.25
Debt / equity
-1.90▲
2024 · -2.32
ROE
-19.8%▼
2024 · 9.7%
ROA
22.2%▲
2024 · -7.4%
Interest coverage
31.19▲
2024 · 19.45
Debt
€95k▼
2024 · €139k
Debt ≤ 1 year
€36k▲
2024 · €34k
Debt > 1 year
€57k▼
2024 · €103k
Income taxes
€143▲
2024 · €137
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€79k€45k▼
Fixed assets21/28€70k€12k▼
Intangible fixed assets21€68k€5k▼
Tangible fixed assets22/27€2k€7k▲
Furniture and vehicles24€2k€7k▲
Financial fixed assets28€300€300=
Current assets29/58€9k€33k▲
Amounts receivable within one year40/41-€8k
Trade receivables40-€178
Other amounts receivable41-€7k
Cash at bank and in hand54/58€8k€25k▲
Deferred charges and accrued income490/1€252€277▲
Equity and liabilities
Total equity and liabilities10/49€79k€45k▼
Equity10/15€-60k€-50k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-78k€-69k▲
Amounts payable17/49€139k€95k▼
Amounts payable after more than one year17€103k€57k▼
Financial debts170/4€81k€57k▼
Trade debts175€22k€0▼
Amounts payable within one year42/48€34k€36k▲
Current portion of amounts payable after more than one year42€25k€24k▼
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€64k▲
Other operating charges640/8€690€795▲
Gross operating margin9900€62k€77k▲
Operating profit (loss)9901€-3k€12k▲
Financial income75/76B€1€216▲
Recurring financial income75€1€216▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-6k€10k▲
Income taxes67/77€137€143▲
Profit (loss) for the period9904€-6k€10k▲
Profit (loss) for the period to be appropriated9905€-6k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-78k€-69k▲
Profit (loss) brought forward from the previous period14P€-73k€-78k▼
The notes to these accounts (13 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after 5 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Jalhay · 1 establishment unit since 2018
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.
Nivezé Bas(SART) 214845 JalhayGround area
974 m²
Building footprint
93 m²
Volume, LiDAR
534 m³
Parcel 63068C0753/00G000, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VVHDJ
since 20182.274.698.993
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068C0753/00G000 | Wallonia | 974 m² | 1 · 93 m² | 7.0 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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GERJON
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MIHEVCO
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MHDJ Binche
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Of 1,018 companies in sector 69103 we hold annual accounts for 610. 299 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2018
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.