GROEP VB
ActiveGROEP VB has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.03M and a net result of €26k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 8578 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-53
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €250k at 30 days acceptable
Liquidity ample (current ratio 12.82 against 17.03 in 2024), and 8.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
91.1%
Return on assets
0.8%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-03-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
30 d early
2023
36 d early
2022
3 d early
2021
59 d early
2020
9 d early
2019
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.03M▼ 12.3%
2024 · €3.45M
2018: €1.89M
2019: €1.52M
2020: €1.86M
2021: €2.10M
2022: €2.41M
2023: €3.26M
2024: €3.45M
2018 → 2025
Total assets
€3.32M▼ 12.9%
2024 · €3.82M
2018: €2.79M
2019: €2.61M
2020: €2.66M
2021: €2.76M
2022: €2.81M
2023: €3.96M
2024: €3.82M
2018 → 2025
Net result
€26k▼ 93.5%
2024 · €394k
2018: €189k
2019: €437k
2020: €315k
2021: €212k
2022: €511k
2023: €927k
2024: €394k
2018 → 2025
Working capital
€1.22M▼ 24.2%
2024 · €1.61M
2018: €144k
2019: €-226k
2020: €114k
2021: €366k
2022: €697k
2023: €1.57M
2024: €1.61M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.10M-€2.41M▲ 14.9%€3.26M▲ 35.4%€3.45M▲ 5.9%€3.03M▼ 12.3%
Operating result€320k-€761k▲ 138%€1.36M▲ 78.1%€566k▼ 58.2%€25k▼ 95.6%
Net result€212k-€511k▲ 141%€927k▲ 81.3%€394k▼ 57.6%€26k▼ 93.5%
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 has fallen two years in a row; 2025 is 96% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.32M
Fixed assets
€2.00M▼ 5.2%
Current assets
€1.32M▼ 22.6%
Equity and liabilities €3.32M
Equity
€3.03M▼ 12.3%
Provisions
€85k▼ 8.0%
Debt
€211k▼ 22.9%
The debt ratio falls from 7.2% to 6.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€134k▼
2024 · €675k
Cash flow
€135k▼
2024 · €502k
Solvency
91.1%▲
2024 · 90.4%
Current ratio
12.82▼
2024 · 17.03
Quick ratio
12.82▼
2024 · 17.03
Debt / equity
0.07▼
2024 · 0.08
ROE
0.8%▼
2024 · 11.4%
ROA
0.8%▼
2024 · 10.3%
Interest coverage
21.64▼
2024 · 93.07
Debt
€211k▼
2024 · €273k
Debt ≤ 1 year
€103k▲
2024 · €100k
Debt > 1 year
€106k▼
2024 · €172k
Income taxes
€19k▼
2024 · €191k
Staff costs
€88k▲
2024 · €51k
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€3.82M€3.32M▼
Fixed assets21/28€2.11M€2.00M▼
Tangible fixed assets22/27€1.30M€1.19M▼
Land and buildings22€1.29M€1.18M▼
Plant, machinery and equipment23€7k€5k▼
Financial fixed assets28€816k€816k=
Current assets29/58€1.71M€1.32M▼
Amounts receivable within one year40/41€1.52M€858k▼
Trade receivables40€1.02M€362k▼
Other amounts receivable41€499k€496k▼
Cash at bank and in hand54/58€184k€461k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€3.82M€3.32M▼
Equity10/15€3.45M€3.03M▼
Contributions10/11€68k€68k=
Capital10€68k€68k=
Issued capital100€68k€68k=
Reserves13€3.38M€2.96M▼
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Tax-exempt reserves132€278k€255k▼
Distributable reserves133€3.10M€2.70M▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€93k€85k▼
Deferred taxes168€93k€85k▼
Amounts payable17/49€273k€211k▼
Amounts payable after more than one year17€172k€106k▼
Financial debts170/4€172k€106k▼
Amounts payable within one year42/48€100k€103k▲
Current portion of amounts payable after more than one year42€66k€66k=
Trade debts44€3k€653▼
Suppliers440/4€3k€653▼
Taxes, remuneration and social security45€21k€28k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€12k€17k▲
Other amounts payable47/48€10k€9k▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€51k€88k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€109k€109k=
Other operating charges640/8€11k€12k▲
Gross operating margin9900€737k€233k▼
Operating profit (loss)9901€566k€25k▼
Financial income75/76B€18k€19k▲
Recurring financial income75€18k€19k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€577k€37k▼
Transfer from deferred taxes780€7k€7k=
Income taxes67/77€191k€19k▼
Profit (loss) for the period9904€394k€26k▼
Transfer from tax-exempt reserves789€22k€22k=
Profit (loss) for the period to be appropriated9905€416k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€416k€48k▼
Transfer from equity791/2€270k€450k▲
Transfer to equity691/2€486k€48k▼
To contributions691€6k€0▼
To other reserves6921€480k€48k▼
Profit to be distributed694/7€200k€450k▲
Return on contributions (dividend)694€200k€450k▲
Social balance
Average headcount (FTE)90871.11.5▲
The notes to these accounts (16 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €26k ▼93.5%
Net result drops to €26k, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Liquidity triplescurrent ratio 17.03
Current ratio from 5.31 to 17.03; short-term debt falls from €363k to €100k.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €927k ▲81.3%
Operating result €1.36M, net result €927k, both a record.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Liquidity triplescurrent ratio 5.73
Current ratio from 2.05 to 5.73; short-term debt falls from €350k to €147k.
02-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €2MEq €2.10M ▲12.6%
4 profitable years in a row build equity to €2.10M.
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Liquidity doublescurrent ratio 1.28
Current ratio from 0.62 to 1.28; short-term debt falls from €592k to €401k.
16-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Ieper · 1 establishment unit since 2014
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.
Oude Houtmarktstraat 48900 IeperGround area
6,775 m²
Building footprint
3,058 m²
Volume, LiDAR
1,726 m³
2 parcels, Flanders · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Groep VB
since 20142.233.436.777
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0627/00L000 | Flanders | 6,362 m² | 1 · 2,861 m² | - |
| 33011G0092/00E000 | Flanders | 413 m² | 1 · 197 m² | 14.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Yserhuis
BE 0898.724.301
Diksmuide · Eq €3.03M
MD INVEST
BE 0474.191.230
Waregem · Eq €3.03M
SoLoT3
BE 0778.861.993
Sint-Lambrechts-Woluwe · Eq €3.03M
Annebel Investments
BE 0891.325.773
Hamont-Achel · Eq €3.03M
CHORUS
BE 0456.864.951
Brussel · Eq €3.03M
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 15,702 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-02-1998
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.