V & F
ActiveV & F has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 94% of 4604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 9.9 against 5.91 in 2024; short-term debt: 10% and cash: 80.5% of total assets), and 11.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
88.3%
Return on assets
24.6%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €152k
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
31 d early
2023
54 d early
2022
62 d early
2021
54 d early
2020
54 d early
2019
63 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€152k▲ 36.5%
2024 · €111k
2018: €18k
2019: €14k
2020: €9k
2021: €6k
2022: €8k
2023: €68k
2024: €111k
2018 → 2025
Total assets
€172k▲ 29.2%
2024 · €133k
2018: €64k
2019: €49k
2020: €38k
2021: €45k
2022: €43k
2023: €92k
2024: €133k
2018 → 2025
Net result
€42k▼ 6.5%
2024 · €45k
2018: €-591
2019: €-5k
2020: €-5k
2021: €-3k
2022: €-5k
2023: €62k
2024: €45k
2018 → 2025
Working capital
€153k▲ 41.8%
2024 · €108k
2018: €7k
2019: €13k
2020: €7k
2021: €3k
2022: €5k
2023: €63k
2024: €108k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€8k▲ 23.2%€68k▲ 757%€111k▲ 64.5%€152k▲ 36.5%
Operating result€-2k-€-4k▼ 94.8%€80k€65k▼ 18.1%€60k▼ 7.2%
Net result€-3k-€-5k▼ 83.8%€62k€45k▼ 26.3%€42k▼ 6.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€2k▼ 36.9%
Current assets
€170k▲ 31.0%
Equity and liabilities €172k
Equity
€152k▲ 36.5%
Debt
€20k▼ 8.1%
The debt ratio falls from 16.5% to 11.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€62k▼
2024 · €67k
Cash flow
€44k▼
2024 · €47k
Solvency
88.3%▲
2024 · 83.5%
Current ratio
9.90▲
2024 · 5.91
Quick ratio
9.90▲
2024 · 5.91
Debt / equity
0.13▼
2024 · 0.20
ROE
27.9%▼
2024 · 40.7%
ROA
24.6%▼
2024 · 34.0%
Interest coverage
46.29▲
2024 · 38.07
Debt
€20k▼
2024 · €22k
Debt ≤ 1 year
€17k▼
2024 · €22k
Income taxes
€17k▼
2024 · €18k
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€133k€172k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€1k€730▼
Financial fixed assets28€40€40=
Current assets29/58€130k€170k▲
Amounts receivable within one year40/41€18k€28k▲
Trade receivables40€18k€28k▲
Other amounts receivable41€623€424▼
Cash at bank and in hand54/58€108k€139k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€133k€172k▲
Equity10/15€111k€152k▲
Contributions10/11€19k€19k=
Reserves13€93k€134k▲
Distributable reserves133€93k€134k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€22k€20k▼
Amounts payable within one year42/48€22k€17k▼
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Advances received on contracts in progress46-€980
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€12k€12k▼
Other amounts payable47/48€4k€2k▼
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€118€1k▲
Gross operating margin9900€67k€63k▼
Operating profit (loss)9901€65k€60k▼
Financial income75/76B€406€646▲
Recurring financial income75€406€646▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€64k€60k▼
Income taxes67/77€18k€17k▼
Profit (loss) for the period9904€45k€42k▼
Profit (loss) for the period to be appropriated9905€45k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€42k▼
Transfer to equity691/2€44k€41k▼
To other reserves6921€44k€41k▼
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (9 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €152k ▲36.5%
3 profitable years in a row build equity to €152k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €111k ▲64.5%
2 profitable years in a row build equity to €111k.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €62k
Net result €62k after 5 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 3.56
Current ratio from 1.13 to 3.56; short-term debt falls from €35k to €24k.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kapellen · 1 establishment unit since 2014
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.
Koolwitjeslaan 212950 KapellenGround area
222 m²
Building footprint
69 m²
Volume, LiDAR
4 m³
Parcel 11362H0379/00F002, Flanders · tallest building 1.6 m. Linked by address, not a title deed.
1 establishment unit
V & F
since 20142.237.615.893
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362H0379/00F002 | Flanders | 222 m² | 1 · 69 m² | 1.6 m |
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
INTERNATIONAL PROCUREMENTS SERVICES
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WORLD – CONCIERGE
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Of 7,007 companies in sector 96999 we hold annual accounts for 602. 412 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2014
Fiscal year end31-12
Activities, NACEBEL
96999Other personal services
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
74201Photography, excluding press photography
78100Employment placement agencies
82990Other business support services
90201Performing arts by independent artists
90029Arts creation and performing arts activities
90399Other support activities for arts and performing arts
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.