V - BAT
ActiveThe computed 12-month bankruptcy probability of V - BAT is 3.6% (moderate). The 2025 annual accounts show equity of €39k and a net result of €386. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 27619 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+8
Solvency70▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.61 in 2024; short-term debt: 42.2% and cash: 2.6% of total assets), but 54.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
45.1%
Return on assets
0.4%
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 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
65 d early
2023
55 d late
2022
58 d late
2021
23 d early
2020
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 1.0%
2024 · €38k
2020: €12k
2021: €32k
2022: €36k
2023: €39k
2024: €38k
2020 → 2025
Total assets
€86k▼ 9.0%
2024 · €95k
2020: €21k
2021: €58k
2022: €84k
2023: €58k
2024: €95k
2020 → 2025
Net result
€386
2024 · €-785
2020: €2k
2021: €20k
2022: €4k
2023: €3k
2024: €-785
2020 → 2025
Working capital
€24k▲ 3.7%
2024 · €23k
2020: €4k
2021: €22k
2022: €32k
2023: €37k
2024: €23k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€36k▲ 12.4%€39k▲ 8.7%€38k▼ 2.0%€39k▲ 1.0%
Operating result€27k-€5k▼ 81.8%€7k▲ 33.1%€3k▼ 58.3%€4k▲ 46.0%
Net result€20k-€4k▼ 79.9%€3k▼ 20.7%€-785€386
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 46% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€26k▼ 24.0%
Current assets
€60k▼ 0.6%
Equity and liabilities €86k
Equity
€39k▲ 1.0%
Debt
€47k▼ 15.9%
The debt ratio falls from 59.4% to 54.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▲
2024 · €9k
Cash flow
€9k▲
2024 · €5k
Solvency
45.1%▲
2024 · 40.6%
Current ratio
1.66▲
2024 · 1.61
Quick ratio
1.66▲
2024 · 1.61
Debt / equity
1.22▼
2024 · 1.46
ROE
1.0%▲
2024 · -2.0%
ROA
0.4%▲
2024 · -0.8%
Interest coverage
3.62▲
2024 · 2.90
Debt
€47k▼
2024 · €56k
Debt ≤ 1 year
€36k▼
2024 · €38k
Debt > 1 year
€11k▼
2024 · €19k
Income taxes
€248▼
2024 · €1k
Staff costs
€71
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€95k€86k▼
Fixed assets21/28€34k€26k▼
Tangible fixed assets22/27€33k€25k▼
Plant, machinery and equipment23€2k€752▼
Furniture and vehicles24€31k€24k▼
Financial fixed assets28€1k€1k=
Current assets29/58€61k€60k▼
Amounts receivable within one year40/41€39k€38k▼
Trade receivables40€7k€8k▲
Other amounts receivable41€32k€30k▼
Current investments50/53€20k€20k=
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€436-
Equity and liabilities
Total equity and liabilities10/49€95k€86k▼
Equity10/15€38k€39k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€28k€29k▲
Amounts payable17/49€56k€47k▼
Amounts payable after more than one year17€19k€11k▼
Financial debts170/4€19k€11k▼
Amounts payable within one year42/48€38k€36k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Financial debts43€10k€23k▲
Credit institutions430/8€10k€23k▲
Trade debts44€18k€4k▼
Suppliers440/4€18k€4k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€71
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€1k€471▼
Gross operating margin9900€10k€13k▲
Operating profit (loss)9901€3k€4k▲
Financial income75/76B€938€2▼
Recurring financial income75€938€2▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€579€633▲
Income taxes67/77€1k€248▼
Profit (loss) for the period9904€-785€386▲
Profit (loss) for the period to be appropriated9905€-785€386▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€29k▲
Profit (loss) brought forward from the previous period14P€29k€28k▼
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €386
Net result €386 after one loss-making year.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-785 ▼125%
Net result drops to €-785, the lowest in the series; recovery starts the following year.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €20k ▲725%
Operating result €27k, net result €20k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 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, Anderlecht · 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.
Bergense Steenweg 12291070 AnderlechtGround area
189 m²
Building footprint
169 m²
Volume, LiDAR
1,202 m³
Parcel 21308H0686/00P003, Brussels · tallest building 13.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
V - BAT
since 20202.303.566.193
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0686/00P003 | Brussels | 189 m² | 1 · 169 m² | 13.4 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.
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Of 4,011 companies in sector 43310 we hold annual accounts for 1,745. 1,490 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2020
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.