V.A.U.L.T.
ActiveV.A.U.L.T. has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €739k and a net result of €21k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 3292 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▲+9
Solvency70▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.06 in 2024; short-term debt: 44.7% and cash: 2.1% of total assets), and 55.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
44.9%
Return on assets
1.3%
Age of the figures
18 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-11-2025, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
20 d early
2023
13 d early
2022
35 d early
2021
26 d early
2020
19 d late
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€739k▲ 2.9%
2024 · €718k
2019: €638k
2020: €510k
2021: €544k
2022: €702k
2023: €695k
2024: €718k
2019 → 2025
Total assets
€1.65M▼ 2.4%
2024 · €1.69M
2019: €1.29M
2020: €1.17M
2021: €1.24M
2022: €1.32M
2023: €1.72M
2024: €1.69M
2019 → 2025
Net result
€21k▼ 10.1%
2024 · €23k
2019: €66k
2020: €-74k
2021: €113k
2022: €178k
2023: €13k
2024: €23k
2019 → 2025
Working capital
€-682k▲ 7.6%
2024 · €-739k
2019: €-159k
2020: €-256k
2021: €-236k
2022: €-83k
2023: €-692k
2024: €-739k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€544k-€702k▲ 29.0%€695k▼ 1.0%€718k▲ 3.3%€739k▲ 2.9%
Operating result€69k-€70k▲ 1.9%€30k▼ 57.4%€-35k€49k
Net result€113k-€178k▲ 57.4%€13k▼ 92.6%€23k▲ 73.9%€21k▼ 10.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €49k after a loss of €35k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.65M
Fixed assets
€1.59M▼ 3.1%
Current assets
€54k▲ 25.5%
Equity and liabilities €1.65M
Equity
€739k▲ 2.9%
Provisions
€102k▼ 2.9%
Debt
€806k▼ 6.7%
The debt ratio falls from 51.2% to 48.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€101k▲
2024 · €42k
Cash flow
€72k▼
2024 · €100k
Solvency
44.9%▲
2024 · 42.6%
Current ratio
0.07▲
2024 · 0.06
Quick ratio
0.07▲
2024 · 0.06
Debt / equity
1.09▼
2024 · 1.20
ROE
2.8%▼
2024 · 3.2%
ROA
1.3%▼
2024 · 1.4%
Interest coverage
2.05▲
2024 · 0.87
Debt
€806k▼
2024 · €864k
Debt ≤ 1 year
€736k▼
2024 · €782k
Debt > 1 year
€62k▼
2024 · €74k
Income taxes
€7k▲
2024 · €6k
Staff costs
€134k▲
2024 · €128k
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€1.69M€1.65M▼
Fixed assets21/28€1.64M€1.59M▼
Tangible fixed assets22/27€1.24M€1.19M▼
Land and buildings22€1.17M€1.14M▼
Furniture and vehicles24€72k€53k▼
Financial fixed assets28€400k€400k=
Current assets29/58€43k€54k▲
Amounts receivable within one year40/41€21k€20k▼
Trade receivables40€21k€20k▼
Cash at bank and in hand54/58€22k€34k▲
Equity and liabilities
Total equity and liabilities10/49€1.69M€1.65M▼
Equity10/15€718k€739k▲
Contributions10/11€19k€19k=
Reserves13€627k€647k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€215k€206k▼
Distributable reserves133€410k€440k▲
Profit (loss) carried forward14€73k€73k=
Provisions and deferred taxes16€105k€102k▼
Deferred taxes168€105k€102k▼
Amounts payable17/49€864k€806k▼
Amounts payable after more than one year17€74k€62k▼
Financial debts170/4€74k€62k▼
Amounts payable within one year42/48€782k€736k▼
Current portion of amounts payable after more than one year42€13k€12k▼
Trade debts44-€4k
Suppliers440/4-€4k
Taxes, remuneration and social security45€55k€49k▼
Taxes450/3€45k€45k▼
Remuneration and social security454/9€10k€4k▼
Other amounts payable47/48€713k€672k▼
Accrued charges and deferred income492/3€7k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€128k€134k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€51k▼
Other operating charges640/8€10k€9k▼
Gross operating margin9900€181k€244k▲
Operating profit (loss)9901€-35k€49k▲
Financial income75/76B€110k€25k▼
Recurring financial income75€110k€25k▼
Financial charges65/66B€49k€49k▲
Recurring financial charges65€49k€49k▲
Profit (loss) for the period before taxes9903€26k€25k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€23k€21k▼
Transfer from tax-exempt reserves789€9k€9k=
Profit (loss) for the period to be appropriated9905€32k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€103k▼
Profit (loss) brought forward from the previous period14P€73k€73k=
Transfer to equity691/2€32k€30k▼
To other reserves6921€32k€30k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (14 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
2025
07-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Highest result since 2019net €178k ▲57.4%
Operating result €70k, net result €178k, both a record.
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Back to profitnet €113k
Net result €113k after one loss-making year.
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
31-03
Financial
Weakest financial yearnet €-74k ▼212%
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
26-10
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
5 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, Leuven · 1 establishment unit since 1996
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.
Grauwmeer 1/523001 LeuvenGround area
2,588 m²
Parcel 24514B0181/00Z000, Flanders. Linked by address, not a title deed.
1 establishment unit
Grauwmeer 1, 3001 Leuven
since 19962.075.142.576
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514B0181/00Z000 | Flanders | 2,588 m² | - | - |
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
549300CWEPJL4V2DZL05
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Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 665 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-1995
Fiscal year end31-03
Activities, NACEBEL
69201Accountants
69209Other tax advisory services
70200Business and other management consultancy
70220Business consulting
74124
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.