VABE 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 €166k and a net result of €12k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 8018 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 11-05-2026, 81 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
81 d early
2024
29 d late
2023
30 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▼ 1.0%
2024 · €167k
2023: €156k
2024: €167k
2023 → 2025
Net result
€12k▼ 45.2%
2024 · €22k
2023: €4k
2024: €22k
2023 → 2025
Total assets
€507k▼ 1.7%
2024 · €516k
2023: €486k
2024: €516k
2023 → 2025
Solvency
32.7%▲ 0.2pp
2024 · 32.4%
2023: 32.1%
2024: 32.4%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€156k-€167k▲ 7.2%€166k▼ 1.0%
Operating result€17k-€49k▲ 185%€35k▼ 29.2%
Net result€4k-€22k▲ 434%€12k▼ 45.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €507k
Fixed assets
€377k▼ 7.3%
Current assets
€130k▲ 19.4%
Equity and liabilities €507k
Equity
€166k▼ 1.0%
Debt
€341k▼ 2.0%
The debt ratio falls from 67.6% to 67.3%. Equity and debt are lower.
Key figures and ratios
Solvency
32.7%▲
2024 · 32.4%
ROE
7.4%▼
2024 · 13.4%
ROA
2.4%▼
2024 · 4.4%
Debt
€341k▼
2024 · €348k
Debt ≤ 1 year
€29k▼
2024 · €33k
Debt > 1 year
€312k▼
2024 · €315k
Income taxes
€6k▼
2024 · €10k
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€516k€507k▼
Fixed assets21/28€407k€377k▼
Tangible fixed assets22/27€407k€377k▼
Land and buildings22€320k€313k▼
Plant, machinery and equipment23€8k€8k▲
Furniture and vehicles24€72k€49k▼
Other tangible fixed assets26€7k€7k▼
Current assets29/58€109k€130k▲
Amounts receivable after more than one year29€77k€78k▲
Other amounts receivable291€77k€78k▲
Amounts receivable within one year40/41€11k€13k▲
Trade receivables40€11k€11k=
Other amounts receivable41-€2k
Cash at bank and in hand54/58€18k€37k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€516k€507k▼
Equity10/15€167k€166k▼
Contributions10/11€500€500=
Reserves13€167k€165k▼
Distributable reserves133€167k€165k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€348k€341k▼
Amounts payable after more than one year17€315k€312k▼
Financial debts170/4€239k€220k▼
Other amounts payable178/9€75k€92k▲
Amounts payable within one year42/48€33k€29k▼
Current portion of amounts payable after more than one year42€23k€19k▼
Trade debts44€466€204▼
Suppliers440/4€466€204▼
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Other amounts payable47/48€900€900=
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€33k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€82k€70k▼
Operating profit (loss)9901€49k€35k▼
Financial income75/76B€588€775▲
Recurring financial income75€588€775▲
Financial charges65/66B€18k€17k▼
Recurring financial charges65€18k€17k▼
Profit (loss) for the period before taxes9903€32k€18k▼
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€22k€12k▼
Profit (loss) for the period to be appropriated9905€22k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€12k▼
Transfer from equity791/2€11k€14k▲
Transfer to equity691/2€22k€12k▼
To other reserves6921€22k€12k▼
Profit to be distributed694/7€11k€14k▲
Return on contributions (dividend)694€11k€14k▲
The notes to these accounts (12 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2023net €22k ▲434%
Operating result €49k, net result €22k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
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, Middelkerke · 1 establishment unit since 2011
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.
Papegaaistraat 468432 MiddelkerkeGround area
301 m²
Building footprint
120 m²
Volume, LiDAR
543 m³
Parcel 35008B0280/00T000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VABE
since 20112.202.763.003
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35008B0280/00T000 | Flanders | 301 m² | 1 · 120 m² | 7.7 m · 1 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
894500BR41EIDXP4ZZ50
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,387 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68110Buying and selling of own real estate
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.