ANNICK VANBYLEN
ActiveSummary
ANNICK VANBYLEN has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €449k and a net result of €81k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 80% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.43 against 4.69 in 2024; short-term debt: 17.7% and cash: 33.4% of total assets), and 17.9% 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○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 →
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
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
82.1%
Return on assets
14.9%
Age of the figures
16 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 24-12-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
10 d early
2023
29 d early
2022
9 d early
2021
22 d early
2020
23 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close24-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€449k▼ 4.0%
2024 · €468k
2019: €313k
2020: €386k
2021: €443k
2022: €502k
2023: €397k
2024: €468k
2019 → 2025
Total assets
€546k▼ 2.8%
2024 · €562k
2019: €477k
2020: €529k
2021: €569k
2022: €593k
2023: €494k
2024: €562k
2019 → 2025
Net result
€81k▲ 15.6%
2024 · €70k
2019: €52k
2020: €73k
2021: €57k
2022: €59k
2023: €82k
2024: €70k
2019 → 2025
Working capital
€333k▼ 3.9%
2024 · €346k
2019: €68k
2020: €387k
2021: €319k
2022: €375k
2023: €279k
2024: €346k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€443k-€502k▲ 13.4%€397k▼ 20.9%€468k▲ 17.7%€449k▼ 4.0%
Operating result€76k-€89k▲ 16.5%€110k▲ 24.0%€97k▼ 12.2%€117k▲ 20.4%
Net result€57k-€59k▲ 5.1%€82k▲ 37.8%€70k▼ 14.1%€81k▲ 15.6%
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 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €546k
Fixed assets
€117k ▼ 4.4%
Current assets
€429k ▼ 2.4%
Equity and liabilities €546k
Equity
€449k ▼ 4.0%
Debt
€98k ▲ 3.3%
Debt's share of the balance-sheet total rises from 16.8% to 17.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€122k▲
2024 · €102k
Cash flow
€87k▲
2024 · €75k
Current ratio
4.43▼
2024 · 4.69
Debt to equity
0.22▲
2024 · 0.20
ROE
18.1%▲
2024 · 15.0%
ROA
14.9%▲
2024 · 12.5%
Interest coverage
14.91▲
2024 · 14.60
Debt ≤ 1 year
€97k▲
2024 · €94k
Income taxes
€32k▲
2024 · €26k
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€562k€546k▼
Fixed assets21/28€122k€117k▼
Tangible fixed assets22/27€122k€117k▼
Land and buildings22€115k€111k▼
Plant, machinery and equipment23€7k€6k▼
Financial fixed assets28-€40
Current assets29/58€440k€429k▼
Amounts receivable within one year40/41€3k€3k▼
Other amounts receivable41€3k€3k▼
Current investments50/53€126k€242k▲
Cash at bank and in hand54/58€310k€182k▼
Deferred charges and accrued income490/1€173€2k▲
Equity and liabilities
Total equity and liabilities10/49€562k€546k▼
Equity10/15€468k€449k▼
Contributions10/11€15k€15k=
Reserves13€453k€434k▼
Non-distributable reserves130/1€12k€12k=
Reserves not available under the articles1311€12k€12k=
Distributable reserves133€441k€422k▼
Amounts payable17/49€95k€98k▲
Amounts payable within one year42/48€94k€97k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€15k€17k▲
Taxes450/3€15k€17k▲
Other amounts payable47/48€76k€78k▲
Accrued charges and deferred income492/3€645€659▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€103k€123k▲
Operating profit (loss)9901€97k€117k▲
Financial income75/76B€6k€4k▼
Recurring financial income75€604€4k▲
Non-recurring financial income76B€5k-
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€96k€113k▲
Income taxes67/77€26k€32k▲
Profit (loss) for the period9904€70k€81k▲
Profit (loss) for the period to be appropriated9905€70k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€81k▲
Transfer from equity791/2-€100k
Transfer to equity691/2€70k€81k▲
To other reserves6921€70k€81k▲
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (8 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
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
21-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
02-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-05
Financial
Highest result since 2019net €82k ▲37.8%
Net result €82k, the highest in the series.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-05
Financial
Equity above €500kEq €502k ▲13.4%
4 profitable years in a row build equity to €502k.
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
27-05
State Gazette act
General meeting · Statutes amendment
Director reappointment · Permanent representative
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
10-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
04-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kalmthout · 1 establishment unit since 2009
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.
Groenhof(C) 602920 KalmthoutGround area
393 m²
Building footprint
86 m²
Volume, LiDAR
603 m³
Parcel 11022G0585/00L000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Groenhof(C) 60, 2920 Kalmthout
since 20092.211.719.764
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0585/00L000 | Flanders | 393 m² | 1 · 86 m² | 10.5 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
10 locations
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,624 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 (pre-2019)
Founded12-01-2009
Fiscal year end31-05
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.