V&V GROEP
ActiveV&V GROEP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €208k and a net result of €24k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 19% of 7980 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
5 d early
2023
5 d early
2022
9 d early
2021
4 d early
2020
2 d early
2019
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▼ 65.9%
2024 · €609k
2018: €540k
2019: €748k
2020: €862k
2021: €948k
2022: €1.03M
2023: €1.11M
2024: €609k
2018 → 2025
Net result
€24k▲ 44.2%
2024 · €17k
2018: €150k
2019: €208k
2020: €114k
2021: €86k
2022: €79k
2023: €84k
2024: €17k
2018 → 2025
Total assets
€1.53M▼ 30.6%
2024 · €2.20M
2018: €923k
2019: €837k
2020: €950k
2021: €2.14M
2022: €1.96M
2023: €2.89M
2024: €2.20M
2018 → 2025
Solvency
13.6%▼ 14.1pp
2024 · 27.7%
2018: 58.6%
2019: 89.4%
2020: 90.8%
2021: 44.3%
2022: 52.3%
2023: 38.5%
2024: 27.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€948k-€1.03M▲ 8.3%€1.11M▲ 8.2%€609k▼ 45.2%€208k▼ 65.9%
Operating result€130k-€121k▼ 6.3%€136k▲ 11.7%€65k▼ 52.1%€88k▲ 36.0%
Net result€86k-€79k▼ 7.9%€84k▲ 6.6%€17k▼ 80.4%€24k▲ 44.2%
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 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.53M
Fixed assets
€971k▼ 2.1%
Current assets
€554k▼ 54.0%
Equity and liabilities €1.53M
Equity
€208k▼ 65.9%
Provisions
€18k▼ 5.8%
Debt
€1.30M▼ 17.1%
The debt ratio rises from 71.4% to 85.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
13.6%▼
2024 · 27.7%
ROE
11.5%▲
2024 · 2.7%
ROA
1.6%▲
2024 · 0.8%
Debt
€1.30M▼
2024 · €1.57M
Debt ≤ 1 year
€611k▼
2024 · €819k
Debt > 1 year
€689k▼
2024 · €750k
Income taxes
€16k▲
2024 · €12k
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€2.20M€1.53M▼
Fixed assets21/28€992k€971k▼
Tangible fixed assets22/27€992k€971k▼
Furniture and vehicles24€77k€93k▲
Other tangible fixed assets26€914k€879k▼
Current assets29/58€1.20M€554k▼
Amounts receivable after more than one year29€125k-
Other amounts receivable291€125k-
Stocks and contracts in progress3€781k€367k▼
Contracts in progress37€781k€367k▼
Amounts receivable within one year40/41€135k€41k▼
Trade receivables40€135k€41k▼
Current investments50/53€118k€132k▲
Cash at bank and in hand54/58€46k€13k▼
Equity and liabilities
Total equity and liabilities10/49€2.20M€1.53M▼
Equity10/15€609k€208k▼
Contributions10/11€20k€20k=
Reserves13€588k€187k▼
Tax-exempt reserves132€56k€53k▼
Distributable reserves133€533k€134k▼
Profit (loss) carried forward14€687€687=
Provisions and deferred taxes16€19k€18k▼
Deferred taxes168€19k€18k▼
Amounts payable17/49€1.57M€1.30M▼
Amounts payable after more than one year17€750k€689k▼
Financial debts170/4€750k€689k▼
Amounts payable within one year42/48€819k€611k▼
Current portion of amounts payable after more than one year42€96k€110k▲
Financial debts43€398k€85k▼
Credit institutions430/8€398k€85k▼
Trade debts44€9k€12k▲
Suppliers440/4€9k€12k▲
Taxes, remuneration and social security45€28k€37k▲
Taxes450/3€28k€37k▲
Other amounts payable47/48€288k€367k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€57k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€119k€146k▲
Operating profit (loss)9901€65k€88k▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€40k€55k▲
Recurring financial charges65€40k€55k▲
Profit (loss) for the period before taxes9903€27k€38k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€17k€24k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€20k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€28k▲
Profit (loss) brought forward from the previous period14P€687€687=
Transfer from equity791/2€521k€426k▼
Transfer to equity691/2€22k€27k▲
To contributions691€2k-
To other reserves6921€20k€27k▲
Profit to be distributed694/7€519k€426k▼
Return on contributions (dividend)694€519k€426k▼
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €17k ▼80.4%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 5.50
Current ratio from 2.61 to 5.50; short-term debt falls from €413k to €222k.
30-09
Financial
Equity above €1MEq €1.03M ▲8.3%
5 profitable years in a row build equity to €1.03M.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €208k ▲38.9%
Operating result €296k, net result €208k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 11.21
Current ratio from 3.43 to 11.21; short-term debt falls from €147k to €62k.
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Olen · 1 establishment unit since 2006
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.
Langepad 162250 OlenGround area
1,258 m²
Building footprint
180 m²
Volume, LiDAR
1,067 m³
Parcel 13029D0361/00R000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
V&V GROEP BVBA
since 20062.155.140.654
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13029D0361/00R000 | Flanders | 1,258 m² | 1 · 180 m² | 10.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400AHTVBX3K522963
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,470 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2006
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.