V.D.-Q-
ActiveV.D.-Q- has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €71k and a net result of €30k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 92% of 15870 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency100▲+2
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 9.48 against 3.5 in 2023; short-term debt: 8.6% and cash: 0.5% of total assets), and 8.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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 →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €71k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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
not confirmed
2024
59 d late
2023
58 d late
2022
114 d late
2021
150 d late
2020
122 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€71k▲ 72.4%
2023 · €41k
2018: €52k
2019: €73k
2020: €92k
2021: €87k
2022: €54k
2023: €41k
2018 → 2024
Total assets
€78k▲ 37.0%
2023 · €57k
2018: €71k
2019: €112k
2020: €125k
2021: €108k
2022: €69k
2023: €57k
2018 → 2024
Net result
€30k
2023 · €-13k
2018: €15k
2019: €22k
2020: €19k
2021: €-5k
2022: €-33k
2023: €-13k
2018 → 2024
Working capital
€57k▲ 46.0%
2023 · €39k
2018: €49k
2019: €72k
2020: €91k
2021: €90k
2022: €53k
2023: €39k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€92k-€87k▼ 5.6%€54k▼ 38.3%€41k▼ 23.5%€71k▲ 72.4%
Operating result€24k-€-1k€-31k▼ 1,966%€-11k▲ 65.3%€31k
Net result€19k-€-5k€-33k▼ 549%€-13k▲ 62.1%€30k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €31k after a loss of €11k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €78k
Fixed assets
€14k▲ 498%
Current assets
€63k▲ 16.6%
Equity and liabilities €78k
Equity
€71k▲ 72.4%
Debt
€7k▼ 56.9%
The debt ratio falls from 27.4% to 8.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2023 · €-10k
Cash flow
€32k▲
2023 · €-12k
Solvency
91.4%▲
2023 · 72.6%
Current ratio
9.48▲
2023 · 3.50
Quick ratio
9.48▲
2023 · 3.50
Debt / equity
0.09▼
2023 · 0.38
ROE
42.0%▲
2023 · -30.7%
ROA
38.4%▲
2023 · -22.3%
Interest coverage
34.91▲
2023 · -5.29
Debt
€7k▼
2023 · €15k
Debt ≤ 1 year
€7k▼
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€57k€78k▲
Fixed assets21/28€2k€14k▲
Tangible fixed assets22/27€2k€14k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24-€13k
Current assets29/58€54k€63k▲
Amounts receivable within one year40/41€54k€63k▲
Trade receivables40€6k€13k▲
Other amounts receivable41€47k€50k▲
Cash at bank and in hand54/58€286€412▲
Deferred charges and accrued income490/1€215-
Equity and liabilities
Total equity and liabilities10/49€57k€78k▲
Equity10/15€41k€71k▲
Contributions10/11€6k€6k=
Reserves13€35k€65k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€33k€63k▲
Amounts payable17/49€15k€7k▼
Amounts payable within one year42/48€15k€7k▼
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Other amounts payable47/48€8k€764▼
Income statement
Code20232024
Non-recurring operating income76A€13k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€439€2k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-8k€34k▲
Operating profit (loss)9901€-11k€31k▲
Financial income75/76B€30€0▼
Recurring financial income75€30€0▼
Financial charges65/66B€2k€935▼
Recurring financial charges65€2k€935▼
Profit (loss) for the period before taxes9903€-13k€30k▲
Profit (loss) for the period9904€-13k€30k▲
Profit (loss) for the period to be appropriated9905€-13k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€30k▲
Transfer from equity791/2€13k-
Transfer to equity691/2-€30k
To other reserves6921-€30k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Back to profitnet €30k
Net result €30k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 9.48
Current ratio from 3.50 to 9.48; short-term debt falls from €15k to €7k.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 114 days late
2022
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 150 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 72 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
23-02
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 207 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beringen · 1 establishment unit since 2005
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.
Sint-Margrietstraat 273582 BeringenGround area
1,878 m²
Building footprint
187 m²
Volume, LiDAR
795 m³
Parcel 71522C0003/00X055, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
V.D.-Q- BVBA
since 20052.147.404.707
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71522C0003/00X055 | Flanders | 1,878 m² | 1 · 187 m² | 6.1 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 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,968 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-05-2005
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.