V3 Consulting
ActiveV3 Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €128k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency56▼-44
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 5.15 in 2024; short-term debt: 68.5% and cash: 59% of total assets), and 68.8% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
31.2%
Return on assets
84.5%
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 18-08-2026, 18 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 · 4 filingsDeviation from the deadline
2025
18 d late
2024
29 d early
2023
29 d late
2022
28 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 68.5%
2024 · €150k
2022: €20k
2023: €66k
2024: €150k
2022 → 2025
Total assets
€151k▼ 17.9%
2024 · €184k
2022: €37k
2023: €89k
2024: €184k
2022 → 2025
Net result
€128k▲ 53.6%
2024 · €83k
2022: €20k
2023: €48k
2024: €83k
2022 → 2025
Working capital
€43k▼ 68.9%
2024 · €139k
2022: €18k
2023: €51k
2024: €139k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€66k▲ 240%€150k▲ 125%€47k▼ 68.5%
Operating result€28k-€61k▲ 117%€105k▲ 71.5%€164k▲ 56.0%
Net result€20k-€48k▲ 141%€83k▲ 74.1%€128k▲ 53.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€4k▼ 59.9%
Current assets
€147k▼ 15.3%
Equity and liabilities €151k
Equity
€47k▼ 68.5%
Debt
€104k▲ 202%
The debt ratio rises from 18.7% to 68.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€167k▲
2024 · €112k
Cash flow
€130k▲
2024 · €90k
Solvency
31.2%▼
2024 · 81.3%
Current ratio
1.42▼
2024 · 5.15
Quick ratio
1.42▼
2024 · 5.15
Debt / equity
2.20▲
2024 · 0.23
ROE
270.7%▲
2024 · 55.6%
ROA
84.5%▲
2024 · 45.2%
Interest coverage
2496.86▲
2024 · 1034.03
Debt
€104k▲
2024 · €34k
Debt ≤ 1 year
€103k▲
2024 · €34k
Income taxes
€37k▲
2024 · €23k
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€184k€151k▼
Fixed assets21/28€11k€4k▼
Tangible fixed assets22/27€11k€4k▼
Plant, machinery and equipment23€4k€4k▲
Furniture and vehicles24€7k-
Current assets29/58€173k€147k▼
Amounts receivable within one year40/41€29k€32k▲
Trade receivables40€20k€32k▲
Other amounts receivable41€8k€23▼
Current investments50/53€41k€23k▼
Cash at bank and in hand54/58€101k€89k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€184k€151k▼
Equity10/15€150k€47k▼
Contributions10/11€500€500=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€130k€28k▼
Amounts payable17/49€34k€104k▲
Amounts payable within one year42/48€34k€103k▲
Trade debts44€21€1k▲
Suppliers440/4€21€1k▲
Taxes, remuneration and social security45€34k€15k▼
Taxes450/3€34k€15k▼
Other amounts payable47/48-€87k
Accrued charges and deferred income492/3€758€488▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€2k▼
Other operating charges640/8-€2k
Gross operating margin9900€112k€168k▲
Operating profit (loss)9901€105k€164k▲
Financial income75/76B€952€708▼
Recurring financial income75€952€708▼
Financial charges65/66B€108€67▼
Recurring financial charges65€108€67▼
Profit (loss) for the period before taxes9903€106k€165k▲
Income taxes67/77€23k€37k▲
Profit (loss) for the period9904€83k€128k▲
Profit (loss) for the period to be appropriated9905€83k€128k▲
Appropriation of the result
Profit (loss) to be appropriated9906€130k€258k▲
Profit (loss) brought forward from the previous period14P€47k€130k▲
Profit to be distributed694/7-€230k
Return on contributions (dividend)694-€230k
The notes to these accounts (7 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Highest result since 2022net €128k ▲53.6%
Operating result €164k, net result €128k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €150k ▲125%
3 profitable years in a row build equity to €150k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
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, Leuven · 1 establishment unit since 2022
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.
Havenkant 203000 LeuvenGround area
6,309 m²
Building footprint
1,270 m²
Parcel 24062A1119/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
V3 Consulting
since 20222.329.286.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A1119/00A000 | Flanders | 6,309 m² | 1 · 1,270 m² | - |
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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,278 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.