VANVER CONCEPT
ActiveVANVER CONCEPT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €526k and a net result of €24k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 78% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (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
Profitability47▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.22 in 2024; short-term debt: 9.1% and cash: 2.1% of total assets), and 17.5% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
82.5%
Return on assets
3.8%
Age of the figures
15 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 30-06-2025 was due by 31-01-2026 and was filed on 05-12-2025, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
29 d early
2023
43 d early
2022
64 d early
2021
48 d early
2020
41 d early
2019
71 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€526k▲ 4.8%
2024 · €502k
2019: €414k
2020: €391k
2021: €419k
2022: €450k
2023: €484k
2024: €502k
2019 → 2025
Total assets
€638k▼ 1.4%
2024 · €648k
2019: €437k
2020: €639k
2021: €635k
2022: €633k
2023: €645k
2024: €648k
2019 → 2025
Net result
€24k▼ 33.0%
2024 · €36k
2019: €19k
2020: €-22k
2021: €28k
2022: €31k
2023: €34k
2024: €36k
2019 → 2025
Working capital
€8k▼ 37.9%
2024 · €14k
2019: €78k
2020: €16k
2021: €16k
2022: €20k
2023: €25k
2024: €14k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€419k-€450k▲ 7.4%€484k▲ 7.6%€502k▲ 3.6%€526k▲ 4.8%
Operating result€40k-€50k▲ 24.5%€53k▲ 5.7%€53k▼ 0.8%€41k▼ 21.5%
Net result€28k-€31k▲ 10.6%€34k▲ 10.6%€36k▲ 6.0%€24k▼ 33.0%
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 has fallen two years in a row; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €638k
Fixed assets
€572k=
Current assets
€66k▼ 12.4%
Equity and liabilities €638k
Equity
€526k▲ 4.8%
Debt
€112k▼ 23.1%
The debt ratio falls from 22.5% to 17.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
82.5%▲
2024 · 77.5%
Current ratio
1.15▼
2024 · 1.22
Quick ratio
1.15▼
2024 · 1.22
Debt / equity
0.21▼
2024 · 0.29
ROE
4.6%▼
2024 · 7.2%
ROA
3.8%▼
2024 · 5.6%
Debt
€112k▼
2024 · €145k
Debt ≤ 1 year
€58k▼
2024 · €62k
Debt > 1 year
€54k▼
2024 · €83k
Income taxes
€12k▼
2024 · €15k
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€648k€638k▼
Fixed assets21/28€572k€572k=
Financial fixed assets28€572k€572k=
Current assets29/58€76k€66k▼
Amounts receivable within one year40/41€65k€51k▼
Trade receivables40€62k€48k▼
Other amounts receivable41€3k€3k=
Cash at bank and in hand54/58€10k€14k▲
Deferred charges and accrued income490/1€450€1k▲
Equity and liabilities
Total equity and liabilities10/49€648k€638k▼
Equity10/15€502k€526k▲
Contributions10/11€19k€19k=
Reserves13€484k€508k▲
Distributable reserves133€484k€508k▲
Amounts payable17/49€145k€112k▼
Amounts payable after more than one year17€83k€54k▼
Financial debts170/4€83k€54k▼
Amounts payable within one year42/48€62k€58k▼
Current portion of amounts payable after more than one year42€29k€29k▲
Financial debts43€5k€4k▼
Credit institutions430/8€5k€4k▼
Trade debts44€730€573▼
Suppliers440/4€730€573▼
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€2k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€21k€19k▼
Income statement
Code20242025
Other operating charges640/8€728€640▼
Gross operating margin9900€53k€42k▼
Operating profit (loss)9901€53k€41k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€51k€37k▼
Income taxes67/77€15k€12k▼
Profit (loss) for the period9904€36k€24k▼
Profit (loss) for the period to be appropriated9905€36k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€24k▼
Transfer from equity791/2€19k-
Transfer to equity691/2€36k€24k▼
To other reserves6921€36k€24k▼
Profit to be distributed694/7€19k-
Return on contributions (dividend)694€19k-
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
2025
05-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €36k ▲6%
Net result €36k, the highest in the series.
30-06
Financial
Equity above €500kEq €502k ▲3.6%
4 profitable years in a row build equity to €502k.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €-22k ▼221%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
2019
21-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
04-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-11
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, Torhout · 1 establishment unit since 2010
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.
Ieperse Heerweg 648820 TorhoutGround area
1,158 m²
Building footprint
225 m²
Volume, LiDAR
1,311 m³
Parcel 31523G0870/00F000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VANVER CONCEPT
since 20102.192.388.060
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31523G0870/00F000 | Flanders | 1,158 m² | 1 · 225 m² | 9.4 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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TECH IMMO CONSULT
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DesNovo
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 34,222 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2010
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.