VANGUARD VISION
ActiveVANGUARD VISION has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €88k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 8.32 against 6.9 in 2024; short-term debt: 11.5% and cash: 67.3% of total assets), and 11.9% 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○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 →
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
88.1%
Return on assets
72.7%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
6 d early
2023
1 d early
2022
25 d early
2021
1 d early
2020
on the day
2019
1 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
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 8.9%
2024 · €98k
2018: €50k
2019: €30k
2020: €30k
2021: €2k
2022: €47k
2023: €66k
2024: €98k
2018 → 2025
Total assets
€121k▲ 6.4%
2024 · €114k
2018: €99k
2019: €116k
2020: €115k
2021: €52k
2022: €60k
2023: €80k
2024: €114k
2018 → 2025
Net result
€88k▲ 10.7%
2024 · €79k
2018: €6k
2019: €25k
2020: €37k
2021: €-28k
2022: €46k
2023: €46k
2024: €79k
2018 → 2025
Working capital
€102k▲ 9.6%
2024 · €93k
2018: €51k
2019: €36k
2020: €33k
2021: €-3k
2022: €41k
2023: €64k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€47k▲ 2,595%€66k▲ 39.8%€98k▲ 48.0%€106k▲ 8.9%
Operating result€-28k-€54k€59k▲ 8.4%€101k▲ 73.1%€113k▲ 11.2%
Net result€-28k-€46k€46k▲ 0.2%€79k▲ 74.0%€88k▲ 10.7%
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 four years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€5k▲ 3.4%
Current assets
€116k▲ 6.6%
Equity and liabilities €121k
Equity
€106k▲ 8.9%
Debt
€14k▼ 9.1%
The debt ratio falls from 13.9% to 11.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€115k▲
2024 · €106k
Cash flow
€90k▲
2024 · €84k
Solvency
88.1%▲
2024 · 86.1%
Current ratio
8.32▲
2024 · 6.90
Quick ratio
8.32▲
2024 · 6.90
Debt / equity
0.13▼
2024 · 0.16
ROE
82.5%▲
2024 · 81.2%
ROA
72.7%▲
2024 · 69.9%
Interest coverage
184.68▼
2024 · 493.86
Debt
€14k▼
2024 · €16k
Debt ≤ 1 year
€14k▼
2024 · €16k
Income taxes
€24k▲
2024 · €22k
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€114k€121k▲
Fixed assets21/28€5k€5k▲
Tangible fixed assets22/27€5k€5k▲
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€464€3k▲
Current assets29/58€109k€116k▲
Amounts receivable within one year40/41€38k€32k▼
Trade receivables40€36k€32k▼
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€68k€81k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€114k€121k▲
Equity10/15€98k€106k▲
Contributions10/11€19k€19k=
Reserves13€79k€88k▲
Distributable reserves133€79k€88k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€16k€14k▼
Amounts payable within one year42/48€16k€14k▼
Financial debts43€28€0▼
Credit institutions430/8€28€0▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€12k€11k▼
Other amounts payable47/48€859€1k▲
Accrued charges and deferred income492/3€0€390▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€107k€116k▲
Operating profit (loss)9901€101k€113k▲
Financial income75/76B€16€67▲
Recurring financial income75€16€67▲
Financial charges65/66B€214€622▲
Recurring financial charges65€214€622▲
Profit (loss) for the period before taxes9903€101k€112k▲
Income taxes67/77€22k€24k▲
Profit (loss) for the period9904€79k€88k▲
Profit (loss) for the period to be appropriated9905€79k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€88k▲
Transfer from equity791/2€47k€79k▲
Transfer to equity691/2€79k€88k▲
To other reserves6921€79k€88k▲
Profit to be distributed694/7€48k€79k▲
Return on contributions (dividend)694€48k€79k▲
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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €88k ▲10.7%
Operating result €113k, net result €88k, both a record.
30-09
Financial
Equity above €100kEq €106k ▲8.9%
4 profitable years in a row build equity to €106k.
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
30-09
Financial
Liquidity times 5current ratio 4.98
Current ratio from 0.92 to 4.98; short-term debt falls from €41k to €10k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-28k ▼177%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-03
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
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, Jabbeke · 1 establishment unit since 2014
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.
Cruceweghe 158490 JabbekeGround area
802 m²
Building footprint
137 m²
Volume, LiDAR
741 m³
Parcel 31035C0387/00L004, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cruceweghe 15, 8490 Jabbeke
since 20142.236.892.056
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31035C0387/00L004 | Flanders | 802 m² | 1 · 137 m² | 8.8 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.
Similar companies · same sector, comparable size
ISIDORIX
BE 0784.897.769
Deinze · Eq €106k
STEN Consulting
BE 1002.068.693
Pajottegem · Eq €106k
GANEOS
BE 0633.690.013
Sint-Lambrechts-Woluwe · Eq €107k
INSITIC
BE 0715.568.010
Braine-l'Alleud · Eq €106k
BENES DELTA
BE 0430.075.531
Leuven · Eq €107k
Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-08-2014
Fiscal year end30-09
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
47400Retail sale of information and communication equipment
47410Retail trade
58290Other software publishing
62020IT consultancy
62200Computer consultancy and computer facilities management
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.