V.C.I.
ActiveV.C.I. has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.65M and a net result of €443k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 92% of 912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+17
Solvency100▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 3.89 against 0.83 in 2024; short-term debt: 5.3% and cash: 7.7% of total assets), and 7.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
92.1%
Return on assets
15.4%
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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 03-02-2026, 178 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
178 d early
2024
8 d late
2023
5 d early
2022
5 d early
2021
11 d early
2020
3 d early
2019
20 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.65M▲ 20.0%
2024 · €2.21M
2018: €2.83M
2019: €3.06M
2020: €3.16M
2021: €2.93M
2022: €2.81M
2023: €2.89M
2024: €2.21M
2018 → 2025
Total assets
€2.88M▼ 10.0%
2024 · €3.20M
2018: €4.02M
2019: €4.04M
2020: €4.70M
2021: €3.56M
2022: €3.22M
2023: €3.26M
2024: €3.20M
2018 → 2025
Net result
€443k▲ 591%
2024 · €64k
2018: €1.36M
2019: €284k
2020: €93k
2021: €-224k
2022: €-124k
2023: €85k
2024: €64k
2018 → 2025
Working capital
€443k
2024 · €-165k
2018: €409k
2019: €470k
2020: €370k
2021: €371k
2022: €311k
2023: €480k
2024: €-165k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.93M-€2.81M▼ 4.2%€2.89M▲ 3.0%€2.21M▼ 23.7%€2.65M▲ 20.0%
Operating result€-224k-€-130k▲ 41.9%€75k€50k▼ 33.3%€492k▲ 882%
Net result€-224k-€-124k▲ 44.7%€85k€64k▼ 24.6%€443k▲ 591%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 882% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.88M
Fixed assets
€2.28M▼ 3.9%
Current assets
€596k▼ 27.6%
Equity and liabilities €2.88M
Equity
€2.65M▲ 20.0%
Provisions
€73k
Debt
€153k▼ 84.5%
The debt ratio falls from 30.9% to 5.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€584k▲
2024 · €161k
Cash flow
€535k▲
2024 · €175k
Solvency
92.1%▲
2024 · 69.1%
Current ratio
3.89▲
2024 · 0.83
Quick ratio
3.25▲
2024 · 0.76
Debt / equity
0.06▼
2024 · 0.45
ROE
16.7%▲
2024 · 2.9%
ROA
15.4%▲
2024 · 2.0%
Interest coverage
367.91▲
2024 · 66.76
Debt
€153k▼
2024 · €988k
Debt ≤ 1 year
€153k▼
2024 · €988k
Income taxes
€65k
Staff costs
€998
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€3.20M€2.88M▼
Fixed assets21/28€2.37M€2.28M▼
Tangible fixed assets22/27€125k€33k▼
Plant, machinery and equipment23€24k€15k▼
Furniture and vehicles24€101k€18k▼
Financial fixed assets28€2.25M€2.25M=
Current assets29/58€823k€596k▼
Stocks and contracts in progress3€69k€98k▲
Stocks30/36€69k€98k▲
Amounts receivable within one year40/41€272k€278k▲
Trade receivables40€103k€245k▲
Other amounts receivable41€169k€33k▼
Cash at bank and in hand54/58€482k€221k▼
Equity and liabilities
Total equity and liabilities10/49€3.20M€2.88M▼
Equity10/15€2.21M€2.65M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€2.25M€2.25M=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€2.25M€2.25M=
Profit (loss) carried forward14€-106k€337k▲
Provisions and deferred taxes16-€73k
Provisions for liabilities and charges160/5-€73k
Other liabilities and charges164/5-€73k
Amounts payable17/49€988k€153k▼
Amounts payable within one year42/48€988k€153k▼
Current portion of amounts payable after more than one year42€55k-
Trade debts44€51k€20k▼
Suppliers440/4€51k€20k▼
Taxes, remuneration and social security45-€331
Taxes450/3-€331
Other amounts payable47/48€882k€133k▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62-€998
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€111k€92k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€73k
Other operating charges640/8€2k€1k▼
Gross operating margin9900€164k€660k▲
Operating profit (loss)9901€50k€492k▲
Financial income75/76B€16k€17k▲
Recurring financial income75€16k€17k▲
Non-recurring financial income76B-€2
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€64k€508k▲
Income taxes67/77-€65k
Profit (loss) for the period9904€64k€443k▲
Profit (loss) for the period to be appropriated9905€64k€443k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-106k€337k▲
Profit (loss) brought forward from the previous period14P€-170k€-106k▲
Transfer from equity791/2€750k-
Profit to be distributed694/7€750k-
Return on contributions (dividend)694€750k-
The notes to these accounts (11 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 5current ratio 3.89
Current ratio from 0.83 to 3.89; short-term debt falls from €988k to €153k.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 8 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €85k
Net result €85k after 2 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-224k ▼341%
Net result drops to €-224k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.78
Current ratio from 1.36 to 2.78; short-term debt falls from €1.03M to €208k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
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
9 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, Nijlen · 2 establishment units since 2000
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.
Koningsbaan 512560 NijlenGround area
1.9 ha
Building footprint
2,285 m²
Volume, LiDAR
17,925 m³
2 parcels, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Koningsbaan 51, 2560 Nijlen
since 20002.099.475.720
VCI
since 20072.167.038.002
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13029F0542/00L000 | Flanders | 1.8 ha | 1 · 2,085 m² | 9.4 m · 3 fl. |
| 12026D0790/00Y002 | Flanders | 908 m² | 1 · 200 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 667 companies in sector 77320 we hold annual accounts for 492. 263 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-03-2000
Fiscal year end31-12
Activities, NACEBEL
71320
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.