V.D.B.O.
ActiveV.D.B.O. has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €55k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 3110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+10
Solvency96▲+12
Growth78▲+6
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.25 against 2.33 in 2024; short-term debt: 24.8% and cash: 70.9% of total assets), and 28.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
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
71.1%
Return on assets
29.8%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-02-2026, 18 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 · 10 filingsDeviation from the deadline
2025
18 d late
2024
18 d late
2023
19 d late
2022
27 d late
2021
23 d late
2020
5 d late
2019
5 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€173k▲ 36.2%
2024 · €127k
2020: €93k
2021: €115k
2022: €128k
2023: €138k
2024: €127k
2020 → 2025
EBIT margin
47.2%▲ 26.4pp
2024 · 20.8%
2020: -3.2%
2021: 14.1%
2022: 11.2%
2023: 29.5%
2024: 20.8%
2020 → 2025
Net result
€55k▲ 182%
2024 · €20k
2019: €19k
2020: €-2k
2021: €15k
2022: €13k
2023: €25k
2024: €20k
2019 → 2025
Working capital
€103k▲ 84.7%
2024 · €56k
2019: €37k
2020: €-9k
2021: €13k
2022: €29k
2023: €34k
2024: €56k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€115k-€128k▲ 12.2%€138k▲ 7.1%€127k▼ 7.7%€173k▲ 36.2%
Equity€53k-€64k▲ 20.6%€74k▲ 15.7%€90k▲ 21.8%€132k▲ 45.9%
Operating result€16k-€14k▼ 10.5%€41k▲ 182%€26k▼ 35.0%€82k▲ 209%
Net result€15k-€13k▼ 15.3%€25k▲ 97.5%€20k▼ 22.4%€55k▲ 182%
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 209% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€36k▼ 34.4%
Current assets
€149k▲ 52.2%
Equity and liabilities €185k
Equity
€132k▲ 45.9%
Debt
€54k▼ 14.5%
The debt ratio falls from 40.9% to 28.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€100k▲
2024 · €51k
Cash flow
€74k▲
2024 · €44k
Solvency
71.1%▲
2024 · 59.1%
Current ratio
3.25▲
2024 · 2.33
Quick ratio
3.25▲
2024 · 2.33
Debt / equity
0.41▼
2024 · 0.69
ROE
41.8%▲
2024 · 21.6%
ROA
29.8%▲
2024 · 12.8%
Interest coverage
176.86▲
2024 · 72.85
Debt
€54k▼
2024 · €63k
Debt ≤ 1 year
€46k▲
2024 · €42k
Debt > 1 year
€7k▼
2024 · €20k
Income taxes
€26k▲
2024 · €6k
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€153k€185k▲
Fixed assets21/28€55k€36k▼
Tangible fixed assets22/27€55k€36k▼
Land and buildings22€14k€11k▼
Plant, machinery and equipment23€41k€25k▼
Current assets29/58€98k€149k▲
Amounts receivable within one year40/41€35k€13k▼
Trade receivables40€31k€13k▼
Other amounts receivable41€4k-
Cash at bank and in hand54/58€59k€131k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€153k€185k▲
Equity10/15€90k€132k▲
Contributions10/11€6k€6k=
Reserves13€87k€125k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€85k€124k▲
Profit (loss) carried forward14€-3k€231▲
Amounts payable17/49€63k€54k▼
Amounts payable after more than one year17€20k€7k▼
Financial debts170/4€20k€7k▼
Amounts payable within one year42/48€42k€46k▲
Current portion of amounts payable after more than one year42€18k€13k▼
Trade debts44€13k€7k▼
Suppliers440/4€13k€7k▼
Taxes, remuneration and social security45€558€15k▲
Taxes450/3€558€15k▲
Other amounts payable47/48€11k€12k▲
Income statement
Code20242025
Turnover70€127k€173k▲
Non-recurring operating income76A€95-
Goods, raw materials, services and sundry goods60/61€72k€68k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€19k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€55k€105k▲
Operating profit (loss)9901€26k€82k▲
Financial income75/76B€150€150=
Recurring financial income75€150€150=
Non-recurring financial income76B€150€150=
Financial charges65/66B€694€567▼
Recurring financial charges65€694€567▼
Profit (loss) for the period before taxes9903€26k€81k▲
Income taxes67/77€6k€26k▲
Profit (loss) for the period9904€20k€55k▲
Profit (loss) for the period to be appropriated9905€20k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€52k▲
Profit (loss) brought forward from the previous period14P€-3k€-3k▲
Transfer from equity791/2€3k€14k▲
Transfer to equity691/2€19k€52k▲
To other reserves6921€19k€52k▲
Profit to be distributed694/7€3k€14k▲
Return on contributions (dividend)694€3k€14k▲
The notes to these accounts (5 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
18-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
30-06
Financial
Highest result since 2019net €55k ▲182%
Operating result €82k, net result €55k, both a record.
30-06
Financial
Equity above €100kEq €132k ▲45.9%
5 profitable years in a row build equity to €132k.
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
23-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-06
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
05-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
30-06
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
05-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-01
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
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, Pecq · 1 establishment unit since 1998
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.
Chemin de Puille(OBI) 47743 PecqGround area
669 m²
Building footprint
191 m²
Volume, LiDAR
1,077 m³
Parcel 57059B0243/02N000, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin de Puille(OBI) 4, 7743 Pecq
since 19982.085.971.439
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57059B0243/02N000 | Wallonia | 669 m² | 1 · 191 m² | 7.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePecq2.085.971.439
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Of 142 companies in sector 01472 we hold annual accounts for 57. 34 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-1998
Fiscal year end30-06
Activities, NACEBEL
01242
01472Crop and animal production, hunting and related service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.