VAYO
ActiveVAYO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency78▼-22
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 2.19 in 2024), but 58.4% 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+raises 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
41.6%
Return on assets
-4%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
23 d early
2023
37 d early
2022
28 d early
2021
24 d early
2020
151 d early
2019
23 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 35.8%
2024 · €122k
2018: €-23k
2019: €-10k
2020: €15k
2021: €16k
2022: €17k
2023: €14k
2024: €122k
2018 → 2025
Total assets
€188k▲ 9.2%
2024 · €172k
2018: €232k
2019: €191k
2020: €138k
2021: €131k
2022: €112k
2023: €238k
2024: €172k
2018 → 2025
Net result
€-8k
2024 · €107k
2018: €-79k
2019: €13k
2020: €25k
2021: €1k
2022: €683
2023: €-3k
2024: €107k
2018 → 2025
Working capital
€54k▼ 6.5%
2024 · €58k
2018: €3k
2019: €11k
2020: €43k
2021: €26k
2022: €27k
2023: €-134k
2024: €58k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€17k▲ 4.2%€14k▼ 16.8%€122k▲ 755%€78k▼ 35.8%
Operating result€3k-€-3k€976€108k▲ 10,939%€-3k
Net result€1k-€683▼ 43.7%€-3k€107k€-8k
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 turns negative in 2025: a loss of €3k after €108k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188k
Fixed assets
€50k▼ 22.1%
Current assets
€137k▲ 28.1%
Equity and liabilities €188k
Equity
€78k▼ 35.8%
Debt
€110k▲ 118%
The debt ratio rises from 29.2% to 58.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€12k▼
2024 · €112k
Cash flow
€7k▼
2024 · €111k
Solvency
41.6%▼
2024 · 70.8%
Current ratio
1.66▼
2024 · 2.19
Quick ratio
1.66▼
2024 · 2.19
Debt / equity
1.40▲
2024 · 0.41
ROE
-9.7%▼
2024 · 88.0%
ROA
-4.0%▼
2024 · 62.3%
Interest coverage
2.51▼
2024 · 145.64
Debt
€110k▲
2024 · €50k
Debt ≤ 1 year
€83k▲
2024 · €49k
Debt > 1 year
€27k▲
2024 · €1k
Income taxes
€290▲
2024 · €81
Staff costs
€0▼
2024 · €28
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€172k€188k▲
Fixed assets21/28€65k€50k▼
Intangible fixed assets21€18k€14k▼
Tangible fixed assets22/27€46k€35k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€43k€34k▼
Financial fixed assets28€0€700▲
Current assets29/58€107k€137k▲
Amounts receivable within one year40/41€54k€79k▲
Trade receivables40€49k€74k▲
Other amounts receivable41€5k€5k=
Current investments50/53€29k€37k▲
Cash at bank and in hand54/58€22k€19k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€172k€188k▲
Equity10/15€122k€78k▼
Contributions10/11€19k€19k=
Reserves13€103k€60k▼
Distributable reserves133€103k€60k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€50k€110k▲
Amounts payable after more than one year17€1k€27k▲
Financial debts170/4€1k€27k▲
Amounts payable within one year42/48€49k€83k▲
Current portion of amounts payable after more than one year42€3k€10k▲
Financial debts43€0€30k▲
Credit institutions430/8€0€30k▲
Trade debts44€39k€3k▼
Suppliers440/4€39k€3k▼
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€1k€5k▲
Remuneration and social security454/9€5k€0▼
Other amounts payable47/48€2k€36k▲
Income statement
Code20242025
Non-recurring operating income76A€110k€0▼
Remuneration, social security and pensions62€28€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€15k▲
Other operating charges640/8€801€1k▲
Gross operating margin9900€112k€13k▼
Operating profit (loss)9901€108k€-3k▼
Financial income75/76B€135€368▲
Recurring financial income75€135€368▲
Financial charges65/66B€766€5k▲
Recurring financial charges65€766€5k▲
Profit (loss) for the period before taxes9903€107k€-7k▼
Income taxes67/77€81€290▲
Profit (loss) for the period9904€107k€-8k▼
Profit (loss) for the period to be appropriated9905€107k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€-8k▼
Profit (loss) brought forward from the previous period14P€-4k€0▲
Transfer from equity791/2-€44k
Transfer to equity691/2€103k€0▼
To other reserves6921€103k€0▼
Profit to be distributed694/7-€36k
Return on contributions (dividend)694-€36k
The notes to these accounts (11 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €107k
Net result €107k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 2.19
Current ratio from 0.37 to 2.19; short-term debt falls from €214k to €49k.
31-12
Financial
Equity above €100kEq €122k ▲755%
Equity rises from €14k to €122k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Tessenderlo-Ham · 1 establishment unit since 2008
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.
Pauwbroekstraat 553945 Tessenderlo-HamGround area
2,148 m²
Building footprint
220 m²
Volume, LiDAR
1,482 m³
Parcel 71046A0728/00B000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tryggr & Flemming
since 20082.172.303.518
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71046A0728/00B000 | Flanders | 2,148 m² | 1 · 220 m² | 9.3 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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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 39,880 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.