V & D Gestion is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €344k and a net result of €-15k. Equity is shrinking by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 7980 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 26-02-2026, 155 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
155 d early
2024
57 d early
2023
93 d early
2022
39 d early
2021
34 d early
2020
39 d early
2019
23 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€344k▼ 4.1%
2024 · €358k
2018: €425k
2019: €425k
2020: €411k
2021: €396k
2022: €381k
2023: €371k
2024: €358k
2018 → 2025
Net result
€-15k▼ 15.4%
2024 · €-13k
2018: €-17k
2019: €175
2020: €-14k
2021: €-16k
2022: €-14k
2023: €-11k
2024: €-13k
2018 → 2025
Total assets
€400k▼ 3.3%
2024 · €414k
2018: €476k
2019: €477k
2020: €464k
2021: €448k
2022: €445k
2023: €436k
2024: €414k
2018 → 2025
Solvency
85.9%▼ 0.7pp
2024 · 86.6%
2018: 89.2%
2019: 89.2%
2020: 88.6%
2021: 88.3%
2022: 85.7%
2023: 85.1%
2024: 86.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€396k-€381k▼ 3.6%€371k▼ 2.8%€358k▼ 3.4%€344k▼ 4.1%
Operating result€-16k-€-13k▲ 15.6%€-11k▲ 19.5%€-13k▼ 18.3%€-15k▼ 15.4%
Net result€-16k-€-14k▲ 10.2%€-11k▲ 24.5%€-13k▼ 18.3%€-15k▼ 15.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €13k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400k
Fixed assets
€380k▼ 4.8%
Current assets
€20k▲ 38.8%
Equity and liabilities €400k
Equity
€344k▼ 4.1%
Debt
€56k▲ 1.5%
The debt ratio rises from 13.4% to 14.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
85.9%▼
2024 · 86.6%
ROE
-4.2%▼
2024 · -3.5%
ROA
-3.6%▼
2024 · -3.0%
Debt
€56k▲
2024 · €55k
Debt ≤ 1 year
€56k▲
2024 · €55k
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€414k€400k▼
Fixed assets21/28€399k€380k▼
Tangible fixed assets22/27€399k€380k▼
Land and buildings22€399k€380k▼
Current assets29/58€15k€20k▲
Cash at bank and in hand54/58€14k€19k▲
Deferred charges and accrued income490/1€754€789▲
Equity and liabilities
Total equity and liabilities10/49€414k€400k▼
Equity10/15€358k€344k▼
Contributions10/11€550k€550k=
Profit (loss) carried forward14€-192k€-206k▼
Amounts payable17/49€55k€56k▲
Amounts payable within one year42/48€55k€56k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€996€811▼
Taxes450/3€996€811▼
Other amounts payable47/48€52k€52k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k=
Other operating charges640/8€5k€5k▲
Gross operating margin9900€12k€10k▼
Operating profit (loss)9901€-13k€-15k▼
Financial charges65/66B€16€14▼
Recurring financial charges65€16€14▼
Profit (loss) for the period before taxes9903€-13k€-15k▼
Profit (loss) for the period9904€-13k€-15k▼
Profit (loss) for the period to be appropriated9905€-13k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-192k€-206k▼
Profit (loss) brought forward from the previous period14P€-179k€-192k▼
The notes to these accounts (4 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €175
Net result €175 after one loss-making year.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mouscron · 1 establishment unit since 2016
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.
Pelgrimsstraat 67700 MouscronGround area
6,887 m²
Building footprint
430 m²
Parcel 54436A0229/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
V & D Gestion
since 20162.255.917.023
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54436A0229/00L000 | Wallonia | 6,887 m² | 1 · 430 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.
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VDC MARKET
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SYBOPHAR
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,758 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.