V.J.B. Concept
ActiveV.J.B. Concept has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €393k and a net result of €132k. Equity is growing by ~37.3% per year across the filed fiscal years. Its solvency ranks better than 31% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82=
Solvency56▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.39 in 2024; short-term debt: 15.1% and cash: 0.8% of total assets), and 69.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
30.7%
Return on assets
10.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
31 d early
2023
13 d early
2022
11 d early
2021
44 d early
2020
29 d early
2019
3 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€393k▲ 50.5%
2024 · €261k
2018: €61k
2019: €61k
2020: €52k
2021: €57k
2022: €99k
2023: €173k
2024: €261k
2018 → 2025
Total assets
€1.28M▲ 55.3%
2024 · €824k
2018: €689k
2019: €744k
2020: €744k
2021: €691k
2022: €569k
2023: €759k
2024: €824k
2018 → 2025
Net result
€132k▲ 48.8%
2024 · €89k
2018: €50k
2019: €81k
2020: €81k
2021: €37k
2022: €41k
2023: €115k
2024: €89k
2018 → 2025
Working capital
€13k▼ 77.8%
2024 · €57k
2018: €20k
2019: €-41k
2020: €-41k
2021: €-201
2022: €11k
2023: €5k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€99k▲ 72.1%€173k▲ 75.1%€261k▲ 51.3%€393k▲ 50.5%
Operating result€65k-€67k▲ 3.4%€171k▲ 153%€146k▼ 14.8%€210k▲ 44.2%
Net result€37k-€41k▲ 12.0%€115k▲ 179%€89k▼ 23.2%€132k▲ 48.8%
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 44% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€1.07M▲ 72.7%
Current assets
€206k▲ 1.8%
Equity and liabilities €1.28M
Equity
€393k▲ 50.5%
Debt
€886k▲ 57.5%
The debt ratio rises from 68.3% to 69.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€243k▲
2024 · €180k
Cash flow
€165k▲
2024 · €123k
Solvency
30.7%▼
2024 · 31.7%
Current ratio
1.07▼
2024 · 1.39
Quick ratio
1.07▼
2024 · 1.39
Debt / equity
2.25▲
2024 · 2.15
ROE
33.5%▼
2024 · 33.9%
ROA
10.3%▼
2024 · 10.8%
Interest coverage
7.89▲
2024 · 6.60
Debt
€886k▲
2024 · €562k
Debt ≤ 1 year
€194k▲
2024 · €146k
Debt > 1 year
€690k▲
2024 · €415k
Income taxes
€47k▲
2024 · €30k
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€824k€1.28M▲
Fixed assets21/28€621k€1.07M▲
Tangible fixed assets22/27€621k€1.07M▲
Land and buildings22€257k€256k▼
Plant, machinery and equipment23€12k€3k▼
Furniture and vehicles24€23k€9k▼
Other tangible fixed assets26€6k€5k▼
Assets under construction and advance payments27€324k€801k▲
Current assets29/58€203k€206k▲
Amounts receivable within one year40/41€126k€161k▲
Trade receivables40€121k€161k▲
Other amounts receivable41€5k€57▼
Cash at bank and in hand54/58€31k€11k▼
Deferred charges and accrued income490/1€45k€34k▼
Equity and liabilities
Total equity and liabilities10/49€824k€1.28M▲
Equity10/15€261k€393k▲
Contributions10/11€19k€19k=
Reserves13€243k€375k▲
Distributable reserves133€243k€375k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€562k€886k▲
Amounts payable after more than one year17€415k€690k▲
Financial debts170/4€415k€690k▲
Amounts payable within one year42/48€146k€194k▲
Current portion of amounts payable after more than one year42€74k€89k▲
Trade debts44€22k€22k▼
Suppliers440/4€22k€22k▼
Taxes, remuneration and social security45€25k€22k▼
Taxes450/3€18k€15k▼
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€25k€61k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€33k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€185k€248k▲
Operating profit (loss)9901€146k€210k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€27k€31k▲
Recurring financial charges65€27k€31k▲
Profit (loss) for the period before taxes9903€118k€179k▲
Income taxes67/77€30k€47k▲
Profit (loss) for the period9904€89k€132k▲
Profit (loss) for the period to be appropriated9905€89k€132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€132k▲
Transfer from equity791/2€0-
Transfer to equity691/2€89k€132k▲
To other reserves6921€89k€132k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €132k ▲48.8%
Operating result €210k, net result €132k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €261k ▲51.3%
7 profitable years in a row build equity to €261k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €173k ▲75.1%
6 profitable years in a row build equity to €173k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €37k ▼54.2%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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
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, Maldegem · 1 establishment unit since 2016
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.
Butswervestraat 609990 MaldegemGround area
231 m²
Building footprint
131 m²
Volume, LiDAR
629 m³
Parcel 43503H1667/00F000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
V.J.B. CONCEPT
since 20162.251.014.761
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43503H1667/00F000 | Flanders | 231 m² | 1 · 131 m² | 7.9 m · 2 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
CAVIAR FILM FINANCING
BE 0656.722.860
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Bernd Braun
BE 0504.943.693
Antwerpen · Eq €393k
WEBTURE TEC
BE 0861.257.456
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MARC JEHOTTE
BE 0473.831.538
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LV CONSULTING
BE 0715.507.731
Lier · Eq €393k
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 36,484 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68203Renting and operating of own or leased non-residential real estate, excluding land
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.