V.D.V. CONSEIL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €56k and a net result of €-13k. Equity is shrinking by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 775 sector peers (fiscal year 2024). The company has been active since 1996 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
26 d early
2022
22 d late
2021
5 d late
2020
24 d late
2019
49 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€56k▼ 22.2%
2023 · €72k
2018: €226k
2019: €203k
2020: €69k
2021: €45k
2022: €51k
2023: €72k
2018 → 2024
Net result
€-13k
2023 · €21k
2018: €7k
2019: €19k
2020: €31k
2021: €17k
2022: €16k
2023: €21k
2018 → 2024
Total assets
€343k▲ 44.7%
2023 · €237k
2018: €566k
2019: €487k
2020: €413k
2021: €333k
2022: €287k
2023: €237k
2018 → 2024
Solvency
16.3%▼ 14.0pp
2023 · 30.3%
2018: 39.9%
2019: 41.6%
2020: 16.7%
2021: 13.6%
2022: 17.6%
2023: 30.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€69k-€45k▼ 34.3%€51k▲ 11.3%€72k▲ 41.7%€56k▼ 22.2%
Operating result€47k-€17k▼ 63.2%€32k▲ 87.3%€34k▲ 3.7%€-5k
Net result€31k-€17k▼ 45.1%€16k▼ 6.7%€21k▲ 30.7%€-13k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €5k after €34k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €343k
Fixed assets
€176k▲ 145%
Current assets
€166k▲ 0.9%
Equity and liabilities €343k
Equity
€56k▼ 22.2%
Debt
€287k▲ 73.8%
The debt ratio rises from 69.7% to 83.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
16.3%▼
2023 · 30.3%
ROE
-22.9%▼
2023 · 29.4%
ROA
-3.7%▼
2023 · 8.9%
Debt
€287k▲
2023 · €165k
Debt ≤ 1 year
€157k▲
2023 · €102k
Debt > 1 year
€101k▲
2023 · €23k
Income taxes
€4k▼
2023 · €10k
Staff costs
€488k▼
2023 · €490k
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€237k€343k▲
Fixed assets21/28€72k€176k▲
Intangible fixed assets21€27k€8k▼
Tangible fixed assets22/27€44k€168k▲
Furniture and vehicles24€15k€141k▲
Other tangible fixed assets26€29k€27k▼
Financial fixed assets28€1k€1k=
Current assets29/58€165k€166k▲
Amounts receivable within one year40/41€139k€138k▼
Trade receivables40€89k€79k▼
Other amounts receivable41€51k€59k▲
Cash at bank and in hand54/58€19k€14k▼
Deferred charges and accrued income490/1€6k€14k▲
Equity and liabilities
Total equity and liabilities10/49€237k€343k▲
Equity10/15€72k€56k▼
Contributions10/11€31k€31k=
Reserves13€9k€9k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€32k€16k▼
Amounts payable17/49€165k€287k▲
Amounts payable after more than one year17€23k€101k▲
Financial debts170/4€23k€101k▲
Amounts payable within one year42/48€102k€157k▲
Current portion of amounts payable after more than one year42€32k€52k▲
Trade debts44€25k€64k▲
Suppliers440/4€25k€64k▲
Taxes, remuneration and social security45€45k€41k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€41k€37k▼
Other amounts payable47/48€168€168=
Accrued charges and deferred income492/3€40k€29k▼
Income statement
Code20232024
Remuneration, social security and pensions62€490k€488k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€60k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€567k€549k▼
Operating profit (loss)9901€34k€-5k▼
Financial income75/76B€94€1▼
Recurring financial income75€94€1▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€31k€-9k▼
Income taxes67/77€10k€4k▼
Profit (loss) for the period9904€21k€-13k▼
Profit (loss) for the period to be appropriated9905€21k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€16k▼
Profit (loss) brought forward from the previous period14P€11k€29k▲
Social balance
Average headcount (FTE)90877.36.6▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-13k ▼161%
Net result drops to €-13k, the lowest in the series.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 5 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
31-12
Financial
Highest result since 2018net €31k ▲68.3%
Operating result €47k, net result €31k, both a record.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 49 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Brussel · 2 establishment units since 1996
Ground area
1,637 m²
Building footprint
517 m²
Volume, LiDAR
5,734 m³
2 parcels, Brussels, Wallonia · tallest building 18.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
V.D.V. CONSEIL
since 19962.077.561.737
V.D.V. CONSEIL
since 20152.247.420.417
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92021C0019/00L002 | Wallonia | 1,236 m² | 1 · 257 m² | 14.9 m · 4 fl. |
| 21819D0190/00C006 | Brussels | 400 m² | 1 · 259 m² | 18.1 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500C90541X69K7M62
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,369 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-1996
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
6 entriesWebsite:www.vdvconseil.be
E-mail:vdv.conseil@portima.be
Phone:02 732 41 10
Fax:02 734 47 21
E-mail:stephane.blondeau@vdvconseil.be
Phone:081 21 17 13