V. & L. Infad
ActiveV. & L. Infad has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €15k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 41% of 7690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
83
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency74▼-18
Growth78=
Stability94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.94 in 2024), but 60.3% 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
39.7%
Return on assets
28.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 5 filingsDeviation from the deadline
2025
3 d late
2024
25 d late
2023
149 d late
2022
32 d late
2021
65 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€92k
EBIT margin
14.2%
Net result
€15k▼ 8.4%
2024 · €16k
2021: €13k
2022: €17k
2023: €41k
2024: €16k
2021 → 2025
Working capital
€19k▼ 32.8%
2024 · €28k
2021: €18k
2022: €30k
2023: €44k
2024: €28k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€92k-
Equity€18k-€30k▲ 67.6%€47k▲ 56.6%€28k▼ 41.4%€21k▼ 26.1%
Operating result€13k-€20k▲ 52.0%€46k▲ 132%€24k▼ 48.3%€33k▲ 40.1%
Net result€13k-€17k▲ 30.1%€41k▲ 142%€16k▼ 60.3%€15k▼ 8.4%
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 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€2k
Current assets
€50k
Equity and liabilities €52k
Equity
€21k▼ 26.1%
Debt
€31k▲ 5.8%
The debt ratio rises from 51.5% to 60.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€34k
Cash flow
€16k
Solvency
39.7%▼
2024 · 48.5%
Current ratio
1.60▼
2024 · 1.94
Quick ratio
1.60▼
2024 · 1.94
Debt / equity
1.52▲
2024 · 1.06
ROE
72.8%▲
2024 · 58.8%
ROA
28.9%▲
2024 · 28.5%
Interest coverage
75.72
Debt
€31k▲
2024 · €30k
Debt ≤ 1 year
€31k▲
2024 · €30k
Income taxes
€18k▲
2024 · €7k
Staff costs
€8k
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€57k€52k▼
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€2k
Current assets29/58€57k€50k▼
Amounts receivable within one year40/41€230€3k▲
Trade receivables40€230€3k▲
Cash at bank and in hand54/58€57k€47k▼
Equity and liabilities
Total equity and liabilities10/49€57k€52k▼
Equity10/15€28k€21k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€23k€16k▼
Amounts payable17/49€30k€31k▲
Amounts payable within one year42/48€30k€31k▲
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€19k€26k▲
Taxes450/3€9k€13k▲
Remuneration and social security454/9€10k€13k▲
Other amounts payable47/48€5k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€572
Other operating charges640/8-€19k
Gross operating margin9900€24k€61k▲
Operating profit (loss)9901€24k€33k▲
Financial charges65/66B€261€449▲
Recurring financial charges65€261€449▲
Profit (loss) for the period before taxes9903€24k€33k▲
Income taxes67/77€7k€18k▲
Profit (loss) for the period9904€16k€15k▼
Profit (loss) for the period to be appropriated9905€16k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€46k▼
Profit (loss) brought forward from the previous period14P€42k€31k▼
Profit to be distributed694/7€36k€30k▼
Directors or managers695€36k€30k▼
The notes to these accounts (5 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
27-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 149 days late
2023
31-12
Financial
Highest result since 2021net €41k ▲142%
Operating result €46k, net result €41k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
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, Vorst · 1 establishment unit since 2021
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.
Canadastraat 721190 VorstGround area
90 m²
Building footprint
93 m²
Volume, LiDAR
1,279 m³
Parcel 21007A0031/00A002, Brussels · tallest building 18.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Canadastraat 72, 1190 Vorst
since 20212.316.056.528
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0031/00A002 | Brussels | 90 m² | 1 · 92 m² | 18.6 m · 5 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
MAMMON
BE 0840.228.747
Buggenhout · Eq €21k
ALL@ssistante sprl
BE 0525.851.549
Genappe · Eq €21k
GECO Conseil
BE 0650.852.479
Tournai · Eq €21k
ELAN@OOSTENDE
BE 0818.367.521
Oostende · Eq €21k
LIBRA MANAGEMENT
BE 1017.704.895
Ans · Eq €21k
Of 11,177 companies in sector 82100 we hold annual accounts for 3,491. 2,262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-04-2021
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.