Active BE 0790.497.837Private limited company

V.B.C.F.

Route d'Andenne 59 ·5310 Eghezée, Belgium· 3 yrs active

Sector: Activiteiten van (gecertificeerde) (fiscaal) accountants (69201)

Conclusion Checked

The computed 12-month bankruptcy probability of V.B.C.F. is 0.4% (very low). The 2025 annual accounts show equity of €6k and a net result of €10k. Equity is growing by ~39.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 1957 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€6k
Net result	€10k
Better than sector	29%
Active	3 yrs

Financial profile 5 of 5 axes measured · computed by Checked

76 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 73

Profitability 100

Solvency 37

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

73 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 14-02-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~39.2%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	22.1%	53.8%	better than 29% of 1957 sector peers
Net result	€10k	€43k	better than 14% of 1957 sector peers
Equity	€6k	€56k	better than 17% of 1958 sector peers
Gross operating margin	€16k	€68k	better than 10% of 1956 sector peers
Total assets	€25k	€133k	better than 5% of 1957 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€15k

+19.6% 22-25

Net profit

€10k

+130.5% 22-25

Cash flow

€10k

+0.1% 22-25

Total assets

€25k

+21.2% 22-25

Equity

€6k

-27.0% 22-25

Working capital

€6k

+444.4% 22-25

Income taxes

€4k

+67.1% 22-25

Dividends

€12k

+1269.6% 22-25

Show 10 other metrics

Debt

€20k

+49.2% 22-25

Debt ≤ 1y

€20k

+49.4% 22-25

Debt > 1y

€0

-100.0% 22-25

Current ratio

1.28

+19.1% 22-25

Quick ratio

1.28

+19.1% 22-25

Solvency

22.1%

-39.8% 22-25

Debt / equity

3.52

+104.3% 22-25

ROE

172.2%

+215.8% 22-25

ROA

38.1%

+90.2% 22-25

Interest coverage

10.49

-60.0% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€15k
Net profit	€10k
Cash flow	€10k
Staff costs	-
Income taxes	€4k
Dividends	€12k
Total assets	€25k
Equity	€6k
Debt	€20k
of which ≤ 1y	€20k
of which > 1y	-
Working capital	€6k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.28
Quick ratio	1.28
Working capital ratio	22.1%
Solvency	22.1%
Debt / equity	3.52
Long-term debt ratio	-
Interest coverage	10.49
Gross margin	-
Net margin	-
ROA	38.1%
ROE	172.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Equity & liabilities

Equity €6k · 22.1% Debt €20k · 77.9%

Full annual accounts (20 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€25k
Fixed assets	21/28	€0
Tangible fixed assets	22/27	€0
Current assets	29/58	€25k
Amounts receivable within one year	40/41	€8k
Cash & bank	54/58	€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€25k
Equity	10/15	€6k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€4k
Amounts payable	17/49	€20k
Amounts payable within one year	42/48	€20k
Trade debts payable within one year	44	€888
Income statement
Gross operating margin	9900	€16k
Operating result	9901	€15k
Financial charges	65	€1k
Result before taxes	9903	€13k
Income taxes	67/77	€4k
Net result for the period	9904	€10k
Result to be appropriated	9905	€10k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 1 directors

Current directors & mandates

Valérie BODSON
Director
State Gazette act 22133885 (14-11-2022)

Current
14-11-2022 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Legal Structure

NACE primary	Activiteiten van (gecertificeerde) (fiscaal) accountants(69201)
Legal form	Private limited company(610)
Incorporation	06-09-2022
Status	Active
Postal code	5310

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92062B0247/00E002	Wallonia	1,013 m²	1 · 107 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

14-02-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

22-12-2025

State Gazette act Director changes

v3.2

12-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

29-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

08-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

14-11-2022

State Gazette act Director changes

v3.2

08-09-2022

State Gazette act Incorporation

oprichting

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 3 acts

All acts · 3 updated 7 months ago

2025

22-12-2025 Change in the board of directors Director changes

Summary: v3.2

Original publication ↗

Technical details

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  "act_meta": {
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  "subject_company": {
    "kbo": "0790.497.837",
    "name_full": "V.B.C.F.",
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  }
}

2022

14-11-2022 Valérie BODSON reappointed as director Director changes

Valérie BODSON, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

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  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Val\u00E9rie BODSON",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Le conseil d\u0027administration propose de nommer Madame Val\u00E9rie BODSON aux fonctions de Pr\u00E9sident du conseil d\u0027administration pour la dur\u00E9e du mandat d\u0027administrateur de Madame Vat\u00E9rie BODSON."
    }
  ],
  "schema": "v3.2",
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08-09-2022 Incorporation of a new SRL Incorporation

Summary: oprichting

Original publication ↗

Technical details

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  "kind": "oprichting",
  "seat": "5310 Hanret, Route d\u0027Andenne 59",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
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  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1982-01-19",
        "name": "BODSON Val\u00E9rie Gis\u00E8le Marie-Jeanne",
        "niss": null,
        "address": "5310 Eghez\u00E9e (Hanret), Route d\u0027Andenne, 59"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "BODSON Val\u00E9rie Gis\u00E8le Marie-Jeanne",
      "is_subscriber_only": true,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 2000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 2000,
  "subject_company": {
    "kbo": "0790.497.837",
    "name_full": "V.B.C.F.",
    "legal_form": "SRL"
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  "initial_directors": [],
  "incorporation_date": "2022-08-31",
  "post_incorporation_mandates": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201Boekhouders en boekhouders-fiscalisten69202

Primary activity highlighted.

Names & trade names

Legal nameFR

V.B.C.F.

Registered office

Route d'Andenne 59

5310 Eghezée, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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