FVDB CONSULT
ActiveFVDB CONSULT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145k and a net result of €24k. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 94% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 21.1 against 13.75 in 2024; short-term debt: 4.6% and cash: 61.1% of total assets), and 4.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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
95.4%
Return on assets
16.1%
Age of the figures
9 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 23-07-2026, 8 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
8 d early
2024
17 d early
2023
5 d late
2022
47 d early
2021
17 d early
2020
4 d early
2019
7 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€145k▲ 20.2%
2024 · €120k
2018: €5k
2019: €18k
2020: €35k
2021: €56k
2022: €89k
2023: €114k
2024: €120k
2018 → 2025
Total assets
€152k▲ 17.2%
2024 · €129k
2018: €17k
2019: €33k
2020: €65k
2021: €75k
2022: €95k
2023: €124k
2024: €129k
2018 → 2025
Net result
€24k▲ 94.0%
2024 · €13k
2018: €-592
2019: €13k
2020: €18k
2021: €21k
2022: €33k
2023: €25k
2024: €13k
2018 → 2025
Working capital
€141k▲ 22.0%
2024 · €116k
2018: €-4k
2019: €11k
2020: €35k
2021: €53k
2022: €84k
2023: €111k
2024: €116k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€89k▲ 58.6%€114k▲ 28.1%€120k▲ 5.6%€145k▲ 20.2%
Operating result€35k-€53k▲ 54.0%€43k▼ 20.4%€23k▼ 46.2%€42k▲ 82.6%
Net result€21k-€33k▲ 57.7%€25k▼ 24.1%€13k▼ 49.7%€24k▲ 94.0%
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 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152k
Fixed assets
€3k▼ 27.3%
Current assets
€148k▲ 18.8%
Equity and liabilities €152k
Equity
€145k▲ 20.2%
Debt
€7k▼ 22.6%
The debt ratio falls from 7.0% to 4.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43k▲
2024 · €24k
Cash flow
€26k▲
2024 · €14k
Solvency
95.4%▲
2024 · 93.0%
Current ratio
21.10▲
2024 · 13.75
Quick ratio
21.10▲
2024 · 13.75
Debt / equity
0.05▼
2024 · 0.08
ROE
16.8%▲
2024 · 10.4%
ROA
16.1%▲
2024 · 9.7%
Interest coverage
55.57▲
2024 · 28.39
Debt
€7k▼
2024 · €9k
Debt ≤ 1 year
€7k▼
2024 · €9k
Income taxes
€17k▲
2024 · €9k
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€129k€152k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€125k€148k▲
Amounts receivable within one year40/41€45k€56k▲
Trade receivables40€0€20k▲
Other amounts receivable41€45k€36k▼
Current investments50/53€50k€0▼
Cash at bank and in hand54/58€30k€93k▲
Deferred charges and accrued income490/1€91€91=
Equity and liabilities
Total equity and liabilities10/49€129k€152k▲
Equity10/15€120k€145k▲
Contributions10/11€0-
Reserves13€120k€145k▲
Distributable reserves133€120k€145k▲
Amounts payable17/49€9k€7k▼
Amounts payable within one year42/48€9k€7k▼
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€571€588▲
Gross operating margin9900€25k€44k▲
Operating profit (loss)9901€23k€42k▲
Financial income75/76B-€557
Recurring financial income75-€557
Financial charges65/66B€847€773▼
Recurring financial charges65€847€773▼
Profit (loss) for the period before taxes9903€22k€42k▲
Income taxes67/77€9k€17k▲
Profit (loss) for the period9904€13k€24k▲
Profit (loss) for the period to be appropriated9905€13k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€24k▲
Transfer to equity691/2€13k€24k▲
To other reserves6921€13k€24k▲
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Equity above €100kEq €114k ▲28.1%
5 profitable years in a row build equity to €114k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €33k ▲57.7%
Operating result €53k, net result €33k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 14.24
Current ratio from 3.87 to 14.24; short-term debt falls from €19k to €6k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.69
Current ratio from 0.62 to 1.69.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Kontich · 1 establishment unit since 2017
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.
Volderij 112550 KontichGround area
3,260 m²
Building footprint
292 m²
Volume, LiDAR
3,410 m³
Parcel 11602C0283/00Y006, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FVDB CONSULT
since 20172.261.530.551
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0283/00Y006 | Flanders | 3,260 m² | 1 · 292 m² | 14.2 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKontich2.261.530.551
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.