LB&O by VRO
ActiveLB&O by VRO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €21k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 61% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+69
Solvency88▲+45
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 1.24 in 2023; short-term debt: 37.5% and cash: 1% of total assets), and 37.5% 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
62.5%
Return on assets
53.6%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €21k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
12 d early
2022
28 d early
2021
58 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€21k▲ 601%
2023 · €3k
2021: €3k
2022: €3k
2023: €3k
2021 → 2024
Total assets
€33k▲ 102%
2023 · €16k
2021: €11k
2022: €13k
2023: €16k
2021 → 2024
Net result
€18k
2023 · €-449
2021: €2k
2022: €31
2023: €-449
2021 → 2024
Working capital
€21k▲ 559%
2023 · €3k
2021: €3k
2022: €3k
2023: €3k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€3k-€3k▲ 0.9%€3k▼ 13.2%€21k▲ 601%
Operating result€3k-€3k▼ 7.7%€8k▲ 182%€28k▲ 265%
Net result€2k-€31▼ 98.7%€-449€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 265% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €33k
Equity
€21k▲ 601%
Debt
€12k▼ 7.9%
The debt ratio falls from 82.0% to 37.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
62.5%▲
2023 · 18.0%
Current ratio
2.67▲
2023 · 1.24
Quick ratio
2.67▲
2023 · 1.24
Debt / equity
0.60▼
2023 · 4.56
ROE
85.7%▲
2023 · -15.2%
ROA
53.6%▲
2023 · -2.7%
Debt
€12k▼
2023 · €13k
Debt ≤ 1 year
€12k▼
2023 · €13k
Income taxes
€8k▲
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€16k€33k▲
Current assets29/58€16k€33k▲
Amounts receivable within one year40/41€14k€31k▲
Trade receivables40€9k€6k▼
Other amounts receivable41€5k€25k▲
Cash at bank and in hand54/58€2k€326▼
Deferred charges and accrued income490/1€411€2k▲
Equity and liabilities
Total equity and liabilities10/49€16k€33k▲
Equity10/15€3k€21k▲
Contributions10/11€1k€1k=
Reserves13€2k€20k▲
Distributable reserves133€2k€20k▲
Amounts payable17/49€13k€12k▼
Amounts payable within one year42/48€13k€12k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48-€1k
Accrued charges and deferred income492/3€184-
Income statement
Code20232024
Other operating charges640/8€2k€191▼
Gross operating margin9900€9k€28k▲
Operating profit (loss)9901€8k€28k▲
Financial income75/76B€172€1k▲
Recurring financial income75€172€1k▲
Financial charges65/66B€995€4k▲
Recurring financial charges65€995€4k▲
Profit (loss) for the period before taxes9903€7k€26k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€-449€18k▲
Profit (loss) for the period to be appropriated9905€-449€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€18k▲
Profit (loss) brought forward from the previous period14P€2k-
Transfer to equity691/2€2k€18k▲
To other reserves6921€2k€18k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.67
Current ratio from 1.24 to 2.67; short-term debt falls from €13k to €12k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-449 ▼1571%
Net result drops to €-449, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zedelgem · 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.
Hoge Rokersstraat 30A8211 ZedelgemGround area
1,214 m²
Building footprint
206 m²
Volume, LiDAR
1,270 m³
Parcel 31001C0692/00S000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LB&O by VRO
since 20202.310.039.855
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31001C0692/00S000 | Flanders | 1,214 m² | 1 · 206 m² | 9.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 1,215 EUR awarded · 1,215 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 210 EUR | 210 EUR |
| 2023 | 1 | 210 EUR | 210 EUR |
| 2022 | 1 | 795 EUR | 795 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 5,844 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2020
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
69109Other legal services
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.