GVDC
ActiveGVDC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €239k and a net result of €63k. Equity is growing by ~45.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 7889 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
30 d late
2022
30 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€239k▲ 35.5%
2024 · €176k
2022: €50k
2023: €100k
2024: €176k
2022 → 2025
Net result
€63k▼ 17.5%
2024 · €76k
2022: €15k
2023: €50k
2024: €76k
2022 → 2025
Total assets
€474k▼ 6.7%
2024 · €508k
2022: €362k
2023: €463k
2024: €508k
2022 → 2025
Solvency
50.3%▲ 15.7pp
2024 · 34.6%
2022: 13.7%
2023: 21.6%
2024: 34.6%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€50k-€100k▲ 101%€176k▲ 75.6%€239k▲ 35.5%
Operating result€22k-€78k▲ 259%€106k▲ 35.2%€102k▼ 3.7%
Net result€15k-€50k▲ 241%€76k▲ 50.3%€63k▼ 17.5%
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474k
Fixed assets
€409k▼ 2.6%
Current assets
€65k▼ 26.2%
Equity and liabilities €474k
Equity
€239k▲ 35.5%
Debt
€236k▼ 29.1%
The debt ratio falls from 65.4% to 49.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
50.3%▲
2024 · 34.6%
ROE
26.2%▼
2024 · 43.1%
ROA
13.2%▼
2024 · 14.9%
Debt
€236k▼
2024 · €332k
Debt ≤ 1 year
€108k▼
2024 · €151k
Debt > 1 year
€127k▼
2024 · €181k
Income taxes
€30k▲
2024 · €20k
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€508k€474k▼
Fixed assets21/28€420k€409k▼
Tangible fixed assets22/27€39k€28k▼
Furniture and vehicles24€31k€21k▼
Other tangible fixed assets26€8k€7k▼
Financial fixed assets28€381k€381k=
Current assets29/58€88k€65k▼
Amounts receivable within one year40/41€17k€20k▲
Trade receivables40€2k€0▼
Other amounts receivable41€16k€20k▲
Cash at bank and in hand54/58€71k€43k▼
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€508k€474k▼
Equity10/15€176k€239k▲
Contributions10/11€35k€35k=
Reserves13€141k€204k▲
Distributable reserves133€141k€204k▲
Profit (loss) carried forward14€546€95▼
Amounts payable17/49€332k€236k▼
Amounts payable after more than one year17€181k€127k▼
Financial debts170/4€181k€127k▼
Amounts payable within one year42/48€151k€108k▼
Current portion of amounts payable after more than one year42€53k€54k▲
Trade debts44€10k€128▼
Suppliers440/4€10k€128▼
Taxes, remuneration and social security45€39k€13k▼
Taxes450/3€39k€13k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€49k€41k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€141€672▲
Gross operating margin9900€116k€114k▼
Operating profit (loss)9901€106k€102k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€95k€93k▼
Income taxes67/77€20k€30k▲
Profit (loss) for the period9904€76k€63k▼
Profit (loss) for the period to be appropriated9905€76k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€63k▼
Profit (loss) brought forward from the previous period14P€539€546▲
Transfer to equity691/2€76k€63k▼
To other reserves6921€76k€63k▼
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
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €239k ▲35.5%
4 profitable years in a row build equity to €239k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €76k ▲50.3%
Operating result €106k, net result €76k, both a record.
31-12
Financial
Equity above €150kEq €176k ▲75.6%
3 profitable years in a row build equity to €176k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €100k ▲101%
2 profitable years in a row build equity to €100k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 24,645 companies in sector 64210 we hold annual accounts for 19,636. 13,538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
66220Insurance agents and brokers
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.