VB&L
ActiveVB&L has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.14M and a net result of €938k. Equity is growing by ~62.2% per year across the filed fiscal years. Its solvency ranks better than 63% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+38
Solvency93▲+63
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 4.89 against 0.04 in 2024; short-term debt: 12.9% and cash: 52.8% of total assets), and 31.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
68.4%
Return on assets
56.2%
Age of the figures
15 mo
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 07-01-2026, 24 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
24 d early
2024
3 d early
2023
20 d early
2022
18 d early
2021
17 d early
2020
4 d early
2019
5 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.14M▲ 461%
2024 · €203k
2019: €43k
2020: €-25k
2021: €45k
2022: €101k
2023: €171k
2024: €203k
2019 → 2025
Total assets
€1.67M▼ 55.6%
2024 · €3.76M
2019: €877k
2020: €4.02M
2021: €4.20M
2022: €4.05M
2023: €3.88M
2024: €3.76M
2019 → 2025
Net result
€938k▲ 2,804%
2024 · €32k
2019: €34k
2020: €-67k
2021: €69k
2022: €56k
2023: €70k
2024: €32k
2019 → 2025
Working capital
€839k
2024 · €-3.35M
2019: €-739k
2020: €-1.28M
2021: €-1.50M
2022: €-1.55M
2023: €-3.59M
2024: €-3.35M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€101k▲ 126%€171k▲ 69.7%€203k▲ 18.9%€1.14M▲ 461%
Operating result€73k-€64k▼ 11.5%€97k▲ 51.7%€95k▼ 2.8%€1.28M▲ 1,250%
Net result€69k-€56k▼ 18.7%€70k▲ 25.0%€32k▼ 54.0%€938k▲ 2,804%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,250% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.67M
Fixed assets
€614k▼ 83.0%
Current assets
€1.06M▲ 582%
Equity and liabilities €1.67M
Equity
€1.14M▲ 461%
Provisions
€312k
Debt
€216k▼ 93.9%
The debt ratio falls from 94.6% to 12.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.32M▲
2024 · €264k
Cash flow
€982k▲
2024 · €202k
Solvency
68.4%▲
2024 · 5.4%
Current ratio
4.89▲
2024 · 0.04
Quick ratio
4.89▲
2024 · 0.04
Debt / equity
0.19▼
2024 · 17.50
ROE
82.2%▲
2024 · 15.9%
ROA
56.2%▲
2024 · 0.9%
Interest coverage
36.97▲
2024 · 5.10
Debt
€216k▼
2024 · €3.56M
Debt ≤ 1 year
€216k▼
2024 · €3.51M
Income taxes
€3k▼
2024 · €11k
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€3.76M€1.67M▼
Fixed assets21/28€3.61M€614k▼
Tangible fixed assets22/27€3.61M€614k▼
Land and buildings22€3.59M€607k▼
Furniture and vehicles24€18k€7k▼
Current assets29/58€155k€1.06M▲
Amounts receivable within one year40/41€149k€171k▲
Trade receivables40€139k€132k▼
Other amounts receivable41€9k€39k▲
Cash at bank and in hand54/58€4k€882k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.76M€1.67M▼
Equity10/15€203k€1.14M▲
Contributions10/11€19k€19k=
Reserves13€185k€1.12M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132-€936k
Distributable reserves133€185k€187k▲
Provisions and deferred taxes16-€312k
Deferred taxes168-€312k
Amounts payable17/49€3.56M€216k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€3.51M€216k▼
Current portion of amounts payable after more than one year42€13k€0▼
Financial debts43€2.12M€0▼
Credit institutions430/8€2.12M€0▼
Trade debts44€6k€6k▼
Suppliers440/4€6k€6k▼
Taxes, remuneration and social security45€27k€17k▼
Taxes450/3€27k€17k▼
Other amounts payable47/48€1.34M€194k▼
Accrued charges and deferred income492/3€52k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€1.25M
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€169k€44k▼
Other operating charges640/8€47k€5k▼
Gross operating margin9900€311k€1.33M▲
Operating profit (loss)9901€95k€1.28M▲
Financial income75/76B-€10k
Recurring financial income75-€10k
Financial charges65/66B€52k€36k▼
Recurring financial charges65€52k€36k▼
Profit (loss) for the period before taxes9903€43k€1.25M▲
Transfer to deferred taxes680-€312k
Income taxes67/77€11k€3k▼
Profit (loss) for the period9904€32k€938k▲
Transfer to tax-exempt reserves689-€936k
Profit (loss) for the period to be appropriated9905€32k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€3k▼
Transfer to equity691/2€32k€3k▼
To other reserves6921€32k€3k▼
The notes to these accounts (8 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €938k ▲2804%
Operating result €1.28M, net result €938k, both a record.
30-06
Financial
Liquidity times 111current ratio 4.89
Current ratio from 0.04 to 4.89; short-term debt falls from €3.51M to €216k.
30-06
Financial
Equity above €1MEq €1.14M ▲461%
5 profitable years in a row build equity to €1.14M.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200kEq €203k ▲18.9%
4 profitable years in a row build equity to €203k.
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €171k ▲69.7%
3 profitable years in a row build equity to €171k.
13-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €101k ▲126%
2 profitable years in a row build equity to €101k.
14-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-67k ▼297%
Net result drops to €-67k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ravels · 1 establishment unit since 2016
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.
Nijverheidsstraat 222381 RavelsGround area
2.4 ha
Building footprint
8,594 m²
Volume, LiDAR
64,006 m³
Parcel 13048D0006/00A004, Flanders · tallest building 17.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VB&L
since 20162.251.204.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13048D0006/00A004 | Flanders | 2.4 ha | 1 · 8,594 m² | 17.5 m · 3 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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IMMO LARUELLE
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VIMADO
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 26,361 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2016
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.