VADYCO 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 €196k and a net result of €16k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 1463 sector peers (fiscal year 2025). The company has been active since 1989 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
58 d late
2022
6 d early
2021
75 d late
2020
79 d late
2019
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€196k▲ 8.9%
2024 · €180k
2019: €134k
2020: €139k
2021: €141k
2022: €149k
2023: €161k
2024: €180k
2019 → 2025
Net result
€16k▼ 15.1%
2024 · €19k
2019: €2k
2020: €5k
2021: €3k
2022: €8k
2023: €12k
2024: €19k
2019 → 2025
Total assets
€391k▲ 1.7%
2024 · €384k
2019: €418k
2020: €392k
2021: €390k
2022: €394k
2023: €389k
2024: €384k
2019 → 2025
Solvency
50.1%▲ 3.3pp
2024 · 46.8%
2019: 32.0%
2020: 35.4%
2021: 36.2%
2022: 37.8%
2023: 41.4%
2024: 46.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€149k▲ 5.4%€161k▲ 8.2%€180k▲ 11.7%€196k▲ 8.9%
Operating result€22k-€24k▲ 7.5%€30k▲ 28.3%€31k▲ 2.9%€31k▼ 1.3%
Net result€3k-€8k▲ 201%€12k▲ 61.8%€19k▲ 54.1%€16k▼ 15.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €391k
Fixed assets
€344k▼ 2.0%
Current assets
€47k▲ 40.5%
Equity and liabilities €391k
Equity
€196k▲ 8.9%
Debt
€195k▼ 4.6%
The debt ratio falls from 53.2% to 49.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
50.1%▲
2024 · 46.8%
ROE
8.2%▼
2024 · 10.5%
ROA
4.1%▼
2024 · 4.9%
Debt
€195k▼
2024 · €205k
Debt ≤ 1 year
€187k▲
2024 · €178k
Income taxes
€6k▲
2024 · €5k
Staff costs
€52k▼
2024 · €52k
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€384k€391k▲
Fixed assets21/28€351k€344k▼
Tangible fixed assets22/27€106k€99k▼
Land and buildings22€106k€99k▼
Financial fixed assets28€245k€245k=
Current assets29/58€33k€47k▲
Amounts receivable within one year40/41€32k€42k▲
Trade receivables40€32k€42k▲
Cash at bank and in hand54/58€1k€752▼
Deferred charges and accrued income490/1€676€4k▲
Equity and liabilities
Total equity and liabilities10/49€384k€391k▲
Equity10/15€180k€196k▲
Contributions10/11€38k€38k=
Capital10€38k€38k=
Issued capital100€38k€38k=
Reserves13€8k€8k=
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Tax-exempt reserves132€4k€4k=
Profit (loss) carried forward14€134k€150k▲
Amounts payable17/49€205k€195k▼
Amounts payable after more than one year17€17k-
Financial debts170/4€17k-
Amounts payable within one year42/48€178k€187k▲
Current portion of amounts payable after more than one year42€19k€17k▼
Financial debts43€4k€7k▲
Credit institutions430/8€4k€7k▲
Trade debts44€26k€23k▼
Suppliers440/4€26k€23k▼
Taxes, remuneration and social security45€17k€21k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€13k€15k▲
Other amounts payable47/48€113k€119k▲
Accrued charges and deferred income492/3€10k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€52k€52k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€98k€97k▼
Operating profit (loss)9901€31k€31k▼
Financial income75/76B€1k€113▼
Recurring financial income75€1k€113▼
Non-recurring financial income76B€1k€113▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€8k▼
Non-recurring financial charges66B€191€1k▲
Profit (loss) for the period before taxes9903€24k€22k▼
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€19k€16k▼
Profit (loss) for the period to be appropriated9905€19k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€134k€150k▲
Profit (loss) brought forward from the previous period14P€115k€134k▲
The notes to these accounts (4 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
21-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Mandate compensation3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Mandate compensation3 facts ▸
- General meeting, 2024-09-25
- Director appointment, Alfons Van Dyck (medebestuurder)
- Mandate compensation, Alfons Van Dyck
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2019net €19k ▲54.1%
Operating result €31k, net result €19k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Equity above €150kEq €161k ▲8.2%
5 profitable years in a row build equity to €161k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
18-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 79 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
25-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Alfons Van Dyck
CurrentMedebestuurder · since 25-09-2024
25-09-2024
Appointed as Medebestuurder
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1989
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.
Mastplein 702610 AntwerpenGround area
1,395 m²
Building footprint
624 m²
Parcel 11462A0227/00H000, Flanders. Linked by address, not a title deed.
1 establishment unit
VAN DYCK VERZEKERINGEN
since 19892.042.702.709
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11462A0227/00H000 | Flanders | 1,395 m² | 1 · 624 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 201 EUR awarded · 201 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 51 EUR | 51 EUR |
| 2024 | 1 | 50 EUR | 50 EUR |
| 2023 | 1 | 48 EUR | 48 EUR |
| 2022 | 1 | 52 EUR | 52 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,826 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-02-1989
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.