GVDB CONSULTING
ActiveGVDB CONSULTING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €56k. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 78% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+21
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 5.65 against 2.21 in 2024; short-term debt: 17.2% and cash: 57.3% of total assets), and 18.7% 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
81.3%
Return on assets
61.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 9 filingsDeviation from the deadline
2025
10 d late
2024
29 d early
2023
29 d early
2022
31 d late
2021
30 d late
2020
8 d early
2019
22 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 137%
2024 · €32k
2018: €74k
2019: €86k
2020: €108k
2021: €120k
2022: €80k
2023: €-4k
2024: €32k
2018 → 2025
Total assets
€92k▲ 58.1%
2024 · €58k
2018: €165k
2019: €192k
2020: €192k
2021: €191k
2022: €141k
2023: €56k
2024: €58k
2018 → 2025
Net result
€56k▲ 2.0%
2024 · €55k
2018: €7k
2019: €12k
2020: €21k
2021: €12k
2022: €-40k
2023: €-83k
2024: €55k
2018 → 2025
Working capital
€74k▲ 143%
2024 · €30k
2018: €53k
2019: €56k
2020: €70k
2021: €74k
2022: €25k
2023: €32k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€80k▼ 33.5%€-4k€32k€75k▲ 137%
Operating result€14k-€-32k€23k€73k▲ 215%€71k▼ 1.9%
Net result€12k-€-40k€-83k▼ 108%€55k€56k▲ 2.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€3k▼ 4.6%
Current assets
€89k▲ 61.3%
Equity and liabilities €92k
Equity
€75k▲ 137%
Debt
€17k▼ 35.5%
The debt ratio falls from 45.8% to 18.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▼
2024 · €73k
Cash flow
€57k▲
2024 · €56k
Solvency
81.3%▲
2024 · 54.2%
Current ratio
5.65▲
2024 · 2.21
Quick ratio
5.65▲
2024 · 2.21
Debt / equity
0.23▼
2024 · 0.84
ROE
75.2%▼
2024 · 174.8%
ROA
61.1%▼
2024 · 94.8%
Interest coverage
19.25▲
2024 · 16.43
Debt
€17k▼
2024 · €27k
Debt ≤ 1 year
€16k▼
2024 · €25k
Income taxes
€15k▲
2024 · €14k
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€58k€92k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€3k▼
Current assets29/58€55k€89k▲
Amounts receivable within one year40/41€31k€21k▼
Trade receivables40€20k€21k▲
Other amounts receivable41€11k€491▼
Current investments50/53-€9k
Cash at bank and in hand54/58€18k€53k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€58k€92k▲
Equity10/15€32k€75k▲
Contributions10/11€12k€19k▲
Reserves13€19k€801▼
Distributable reserves133€19k€801▼
Profit (loss) carried forward14-€55k
Amounts payable17/49€27k€17k▼
Amounts payable within one year42/48€25k€16k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€10k▲
Other amounts payable47/48€20k€3k▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€534€956▲
Other operating charges640/8€569€598▲
Gross operating margin9900€74k€73k▼
Operating profit (loss)9901€73k€71k▼
Financial income75/76B€474€4k▲
Recurring financial income75€474€4k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€69k€71k▲
Income taxes67/77€14k€15k▲
Profit (loss) for the period9904€55k€56k▲
Profit (loss) for the period to be appropriated9905€55k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€56k▲
Profit (loss) brought forward from the previous period14P€-16k-
Transfer from equity791/2-€19k
Transfer to equity691/2€19k€801▼
To other reserves6921€19k€801▼
Profit to be distributed694/7€20k€19k▼
Return on contributions (dividend)694€20k€19k▼
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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Highest result since 2018net €56k ▲2%
Net result €56k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 5.65
Current ratio from 2.21 to 5.65; short-term debt falls from €25k to €16k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €55k
Net result €55k after 2 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-83k
Net result drops to €-83k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €108k ▲24.5%
3 profitable years in a row build equity to €108k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
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, Hemiksem · 1 establishment unit since 2016
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.
Begoniaweg 12620 HemiksemGround area
939 m²
Building footprint
150 m²
Volume, LiDAR
635 m³
Parcel 11018A0025/00P002, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GVDB CONSULTING
since 20162.250.123.252
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11018A0025/00P002 | Flanders | 939 m² | 1 · 150 m² | 8.4 m · 1 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
Legal Entity Identifier
9676006K16OA1O99JS90
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,901 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
73200Market research and public opinion polling
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
78300Employment activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.