V&E CONSULTANTS
ActiveV&E CONSULTANTS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €518. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 56% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+3
Solvency83▼-12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 2.06 in 2024; short-term debt: 42.3% and cash: 14.9% of total assets), and 42.3% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
57.7%
Return on assets
1.9%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
27 d early
2023
30 d early
2022
35 d early
2021
32 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 3.4%
2024 · €15k
2021: €13k
2022: €14k
2023: €15k
2024: €15k
2021 → 2025
Total assets
€28k▲ 25.2%
2024 · €22k
2021: €21k
2022: €17k
2023: €21k
2024: €22k
2021 → 2025
Net result
€518
2024 · €-70
2021: €11k
2022: €1k
2023: €1k
2024: €-70
2021 → 2025
Working capital
€8k▲ 11.2%
2024 · €7k
2021: €10k
2022: €9k
2023: €10k
2024: €7k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€14k▲ 8.8%€15k▲ 9.4%€15k▼ 0.5%€16k▲ 3.4%
Operating result€15k-€3k▼ 81.7%€3k▲ 16.8%€2k▼ 50.3%€2k▲ 32.9%
Net result€11k-€1k▼ 90.0%€1k▲ 16.5%€-70€518
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 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€8k▼ 3.2%
Current assets
€20k▲ 42.5%
Equity and liabilities €28k
Equity
€16k▲ 3.4%
Debt
€12k▲ 75.7%
The debt ratio rises from 30.2% to 42.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k▲
2024 · €3k
Cash flow
€2k▲
2024 · €1k
Solvency
57.7%▼
2024 · 69.8%
Current ratio
1.67▼
2024 · 2.06
Quick ratio
1.67▼
2024 · 2.06
Debt / equity
0.73▲
2024 · 0.43
ROE
3.2%▲
2024 · -0.5%
ROA
1.9%▲
2024 · -0.3%
Interest coverage
49.35▲
2024 · 7.98
Debt
€12k▲
2024 · €7k
Debt ≤ 1 year
€12k▲
2024 · €7k
Income taxes
€2k▲
2024 · €1k
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€22k€28k▲
Fixed assets21/28€8k€8k▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€5k€4k▼
Financial fixed assets28€3k€3k=
Current assets29/58€14k€20k▲
Amounts receivable within one year40/41€5k€13k▲
Trade receivables40€4k€13k▲
Other amounts receivable41€748€14▼
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€22k€28k▲
Equity10/15€15k€16k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€14k€15k▲
Amounts payable17/49€7k€12k▲
Amounts payable within one year42/48€7k€12k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€710€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€7k€9k▲
Operating profit (loss)9901€2k€2k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€344€80▼
Recurring financial charges65€344€80▼
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€-70€518▲
Profit (loss) for the period to be appropriated9905€-70€518▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€15k▲
Profit (loss) brought forward from the previous period14P€14k€14k▼
The notes to these accounts (11 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €518
Net result €518 after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-70 ▼105%
Net result drops to €-70, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Geraardsbergen · 2 establishment units since 2019
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.
Reepstraat(Ned) 399500 GeraardsbergenGround area
847 m²
Building footprint
503 m²
Volume, LiDAR
9,059 m³
2 parcels, Flanders · tallest building 29.4 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
V&E CONSULTANTS
since 20192.289.047.273
Kortrijksesteenweg 423, 9000 Gent
since 20242.351.242.188
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41043A0191/00H000 | Flanders | 520 m² | 1 · 176 m² | 11.7 m · 1 fl. |
| 44808H0001/00B031 | Flanders | 327 m² | 1 · 327 m² | 29.4 m · 9 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 891 EUR awarded · 891 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 68 EUR | 68 EUR |
| 2022 | 1 | 823 EUR | 823 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 5,403 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.