Summary
Vanden Boer & Partners 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 €290k and a net result of €67k. Equity is growing by ~28.4% per year across the filed fiscal years. Its solvency ranks better than 30% of 1475 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
1 signal. 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 21-04-2026, 101 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
101 d early
2024
21 d early
2023
16 d early
2022
19 d early
2021
17 d early
2020
31 d early
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€290k▲ 21.3%
2024 · €239k
2018: €52k
2019: €20k
2020: €73k
2021: €73k
2022: €224k
2023: €239k
2024: €239k
2018 → 2025
Net result
€67k▲ 12,150%
2024 · €546
2018: €15k
2019: €-32k
2020: €53k
2021: €42
2022: €430k
2023: €15k
2024: €546
2018 → 2025
Total assets
€1.39M▲ 114%
2024 · €647k
2018: €939k
2019: €858k
2020: €825k
2021: €757k
2022: €747k
2023: €710k
2024: €647k
2018 → 2025
Solvency
20.9%▼ 16.0pp
2024 · 36.9%
2018: 5.6%
2019: 2.4%
2020: 8.9%
2021: 9.7%
2022: 29.9%
2023: 33.6%
2024: 36.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€224k▲ 205%€239k▲ 6.6%€239k▲ 0.2%€290k▲ 21.3%
Operating result€17k-€586k▲ 3,308%€35k▼ 94.0%€17k▼ 52.7%€116k▲ 598%
Net result€42-€430k▲ 1,032,325%€15k▼ 96.6%€546▼ 96.3%€67k▲ 12,150%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 598% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€1.27M ▲ 106%
Current assets
€120k ▲ 261%
Equity and liabilities €1.39M
Equity
€290k ▲ 21.3%
Debt
€1.10M ▲ 169%
Debt's share of the balance-sheet total rises from 63.1% to 79.1%. Equity and debt are higher.
Key figures and ratios
ROE
23.1%▲
2024 · 0.2%
ROA
4.8%▲
2024 · 0.1%
Debt ≤ 1 year
€162k▲
2024 · €68k
Debt > 1 year
€934k▲
2024 · €340k
Income taxes
€25k▲
2024 · €2k
Staff costs
€35k▲
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€647k€1.39M▲
Fixed assets21/28€614k€1.27M▲
Intangible fixed assets21-€676k
Tangible fixed assets22/27€614k€591k▼
Land and buildings22€602k€577k▼
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€11k€10k▼
Current assets29/58€33k€120k▲
Amounts receivable within one year40/41€23k€47k▲
Trade receivables40€20k€31k▲
Other amounts receivable41€3k€16k▲
Cash at bank and in hand54/58€9k€67k▲
Deferred charges and accrued income490/1€745€7k▲
Equity and liabilities
Total equity and liabilities10/49€647k€1.39M▲
Equity10/15€239k€290k▲
Contributions10/11€39k€39k=
Reserves13€200k€251k▲
Distributable reserves133€200k€251k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€408k€1.10M▲
Amounts payable after more than one year17€340k€934k▲
Financial debts170/4€340k€934k▲
Other amounts payable178/9€0-
Amounts payable within one year42/48€68k€162k▲
Current portion of amounts payable after more than one year42€40k€102k▲
Financial debts43€2k€10k▲
Credit institutions430/8€2k€10k▲
Trade debts44€25k€30k▲
Suppliers440/4€25k€30k▲
Taxes, remuneration and social security45€0€4k▲
Taxes450/3€0€12▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€1k€17k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€0€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€89k▲
Other operating charges640/8€5k€6k▲
Non-recurring operating charges66A-€250
Gross operating margin9900€72k€246k▲
Operating profit (loss)9901€17k€116k▲
Financial income75/76B€0€891▲
Recurring financial income75€0€891▲
Financial charges65/66B€14k€25k▲
Recurring financial charges65€14k€25k▲
Profit (loss) for the period before taxes9903€2k€92k▲
Income taxes67/77€2k€25k▲
Profit (loss) for the period9904€546€67k▲
Profit (loss) for the period to be appropriated9905€546€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€546€67k▲
Transfer to equity691/2€546€51k▲
To other reserves6921€546€51k▲
Profit to be distributed694/7-€16k
Return on contributions (dividend)694-€16k
Social balance
Average headcount (FTE)90870.00.8▲
The notes to these accounts (22 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €430k ▲1032325%
Operating result €586k, net result €430k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.01
Current ratio from 0.37 to 1.01; short-term debt falls from €182k to €103k.
31-12
Financial
Equity above €200kEq €224k ▲205%
3 profitable years in a row build equity to €224k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €-32k ▼318%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
Show earlier events
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
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
9 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, Balen · 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.
Steegstraat 602490 BalenGround area
381 m²
Building footprint
194 m²
Volume, LiDAR
1,255 m³
Parcel 13003A0807/00G000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VANDEN BOER - VERMEERSCH
since 20112.204.770.309
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003A0807/00G000 | Flanders | 381 m² | 1 · 194 m² | 10.1 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.
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V & V FINANCE
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,069 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2011
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesWebsite:www.ikwilverzekeringsadvies.be
Website:www.ikzoekeenverzekering.be
E-mail:balen@verz.kbc.be
Phone:014/813627