V&D HOME CONCEPT
ActiveV&D HOME CONCEPT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €-1k. Equity is shrinking by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-1
Solvency63▼-4
Growth55=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
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 · 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.7%
Return on assets
-12.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 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
45 d late
2024
12 d early
2023
29 d late
2022
119 d late
2021
2 d early
2020
58 d early
2019
52 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€4k▲ 87.8%
2019 · €2k
2018: €3k
2019: €2k
2018 → 2020
EBIT margin
-172.5%▼ 150.0pp
2019 · -22.6%
2018: 51.0%
2019: -22.6%
2018 → 2020
Net result
€-1k▲ 11.8%
2024 · €-1k
2018: €1k
2019: €-604
2020: €-8k
2021: €2k
2022: €3k
2023: €97
2024: €-1k
2018 → 2025
Working capital
€4k▼ 24.4%
2024 · €5k
2018: €9k
2019: €9k
2020: €1k
2021: €4k
2022: €7k
2023: €7k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€7k▲ 89.7%€7k▲ 1.4%€5k▼ 21.7%€4k▼ 24.4%
Operating result€3k-€3k▲ 14.4%€177▼ 94.6%€-1k€-1k▲ 9.5%
Net result€2k-€3k▲ 31.1%€97▼ 97.0%€-1k€-1k▲ 11.8%
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 €1k in 2025 against €1k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €11k
Equity
€4k▼ 24.4%
Debt
€7k▼ 8.3%
The debt ratio rises from 57.6% to 62.3%. Equity and debt are lower.
Key figures and ratios
Solvency
37.7%▼
2024 · 42.4%
Current ratio
1.61▼
2024 · 1.74
Quick ratio
1.61▼
2024 · 1.74
Debt / equity
1.65▲
2024 · 1.36
ROE
-32.4%▼
2024 · -27.7%
ROA
-12.2%▼
2024 · -11.8%
Debt
€7k▼
2024 · €7k
Debt ≤ 1 year
€7k▼
2024 · €7k
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€13k€11k▼
Current assets29/58€13k€11k▼
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€5k-
Other amounts receivable41€152€6k▲
Cash at bank and in hand54/58€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€13k€11k▼
Equity10/15€5k€4k▼
Contributions10/11€8k€8k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-5k€-6k▼
Amounts payable17/49€7k€7k▼
Amounts payable within one year42/48€7k€7k▼
Trade debts44€1k€570▼
Suppliers440/4€1k€570▼
Other amounts payable47/48€6k€6k=
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€1k-
Gross operating margin9900€-1k€-1k▲
Operating profit (loss)9901€-1k€-1k▲
Financial income75/76B-€17
Recurring financial income75-€17
Financial charges65/66B€107€80▼
Recurring financial charges65€107€80▼
Profit (loss) for the period before taxes9903€-1k€-1k▲
Profit (loss) for the period9904€-1k€-1k▲
Profit (loss) for the period to be appropriated9905€-1k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-6k▼
Profit (loss) brought forward from the previous period14P€-3k€-5k▼
The notes to these accounts (3 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
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
2025
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 119 days late
2022
31-12
Financial
Highest result since 2018net €3k ▲31.1%
Operating result €3k, net result €3k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
07-06
NBB filing
Annual accounts filed
fiscal year 2015 · full 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, Saint-Ghislain · 1 establishment unit since 1991
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.
Rue des Bateliers(SG) 477330 Saint-GhislainGround area
640 m²
Building footprint
221 m²
Volume, LiDAR
752 m³
Parcel 53070B0490/00R000, Wallonia · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
V&D HOME CONCEPT
since 19912.052.153.081
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070B0490/00R000 | Wallonia | 640 m² | 1 · 221 m² | 5.4 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.
Similar companies · same sector, comparable size
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Can Star Matex
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FOVEA
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COW-STAR
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MY concepts & design
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 853 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-1991
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
74401
73110Advertising agencies
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.