DE VIJF
ActiveDE VIJF has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €89k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 57% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency74▲+55
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.07 in 2024), but 60.1% 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 · 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
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 · 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
39.9%
Return on assets
16.5%
Age of the figures
8 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 16-07-2026, 15 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
15 d early
2024
31 d early
2023
5 d early
2022
60 d late
2021
24 d late
2020
27 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€216k▲ 70.2%
2024 · €127k
2020: €-5k
2021: €-66k
2022: €25k
2023: €-245k
2024: €127k
2020 → 2025
Total assets
€542k▼ 57.8%
2024 · €1.28M
2020: €663k
2021: €3.82M
2022: €2.51M
2023: €5.34M
2024: €1.28M
2020 → 2025
Net result
€89k▼ 76.0%
2024 · €372k
2020: €-17k
2021: €-60k
2022: €91k
2023: €-270k
2024: €372k
2020 → 2025
Working capital
€180k▲ 109%
2024 · €86k
2020: €-4k
2021: €782k
2022: €10k
2023: €-289k
2024: €86k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-66k-€25k€-245k€127k€216k▲ 70.2%
Operating result€-34k-€149k€-234k€425k€115k▼ 72.9%
Net result€-60k-€91k€-270k€372k€89k▼ 76.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €542k
Fixed assets
€37k▼ 26.7%
Current assets
€506k▼ 59.1%
Equity and liabilities €542k
Equity
€216k▲ 70.2%
Debt
€326k▼ 71.9%
The debt ratio falls from 90.1% to 60.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€129k▼
2024 · €440k
Cash flow
€103k▼
2024 · €387k
Solvency
39.9%▲
2024 · 9.9%
Current ratio
1.55▲
2024 · 1.07
Quick ratio
1.50▲
2024 · 0.67
Debt / equity
1.51▼
2024 · 9.11
ROE
41.3%▼
2024 · 292.7%
ROA
16.5%▼
2024 · 29.0%
Interest coverage
51.49▲
2024 · 18.82
Debt
€326k▼
2024 · €1.16M
Debt ≤ 1 year
€326k▼
2024 · €1.15M
Income taxes
€32k▼
2024 · €40k
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€1.28M€542k▼
Fixed assets21/28€50k€37k▼
Tangible fixed assets22/27€50k€37k▼
Furniture and vehicles24€50k€37k▼
Current assets29/58€1.23M€506k▼
Stocks and contracts in progress3€467k€16k▼
Stocks30/36€467k€16k▼
Amounts receivable within one year40/41€466k€444k▼
Trade receivables40€84k€35k▼
Other amounts receivable41€382k€409k▲
Cash at bank and in hand54/58€293k€36k▼
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.28M€542k▼
Equity10/15€127k€216k▲
Contributions10/11€12k€12k=
Reserves13€115k€204k▲
Distributable reserves133€115k€204k▲
Amounts payable17/49€1.16M€326k▼
Amounts payable after more than one year17€9k-
Financial debts170/4€9k-
Amounts payable within one year42/48€1.15M€326k▼
Current portion of amounts payable after more than one year42€11k€9k▼
Trade debts44€335k€275k▼
Suppliers440/4€335k€275k▼
Taxes, remuneration and social security45€76k€42k▼
Taxes450/3€76k€42k▼
Other amounts payable47/48€727k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€443k€131k▼
Operating profit (loss)9901€425k€115k▼
Financial income75/76B€10k€9k▼
Recurring financial income75€10k€9k▼
Financial charges65/66B€23k€3k▼
Recurring financial charges65€23k€3k▼
Profit (loss) for the period before taxes9903€412k€121k▼
Income taxes67/77€40k€32k▼
Profit (loss) for the period9904€372k€89k▼
Profit (loss) for the period to be appropriated9905€372k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€89k▼
Profit (loss) brought forward from the previous period14P€-270k-
Transfer to equity691/2€102k€89k▼
To other reserves6921€102k€89k▼
The notes to these accounts (5 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €216k ▲70.2%
2 profitable years in a row build equity to €216k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €372k
Net result €372k after one loss-making year.
31-12
Financial
Equity above €100kEq €127k
Equity rises from €-245k to €127k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-270k ▼397%
Net result drops to €-270k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €91k
Net result €91k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Sint-Truiden · 1 establishment unit since 2020
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.
Lichtenberglaan 20703800 Sint-TruidenGround area
4,199 m²
Building footprint
1,953 m²
Volume, LiDAR
14,706 m³
Parcel 71353E0877/00C000, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lichtenberglaan 2070, 3800 Sint-Truiden
since 20202.305.507.183
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71353E0877/00C000 | Flanders | 4,199 m² | 1 · 1,953 m² | 9.3 m · 3 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.
Similar companies · same sector, comparable size
ASTERIX
BE 0450.478.094
Mechelen · Eq €216k
PROGETTI
BE 0897.279.001
Antwerpen · Eq €216k
VM RESCO
BE 0778.729.955
Kortrijk · Eq €216k
WASSING STONE INVEST
BE 0675.614.007
Knokke-Heist · Eq €217k
SERULA
BE 0678.443.338
Genk · Eq €217k
Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 5,266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2020
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@devijf.be