VBA Consulting

Active

Private limited companyfounded 20215 yrs activeVerbindingsstraat 12, 2350 Vosselaar, BelgiumKBO/BCE: BE 0764.410.379

Summary

VBA Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €84k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 67% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2024

90 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability88▲+4

Solvency98▼-2

Growth52▼-26

Track record94

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 3.61 against 4.73 in 2023; short-term debt: 26.9% and cash: 90.6% of total assets), and 26.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

35 d early

2023

23 d late

2022

31 d late

2021

30 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€84k▼ 37.2%

2023 · €134k

2021: €24k 2022: €114k 2023: €134k

2021 → 2024

Total assets

€115k▼ 31.5%

2023 · €168k

2021: €38k 2022: €174k 2023: €168k

2021 → 2024

Net result

€18k▼ 11.6%

2023 · €20k

2021: €19k 2022: €91k 2023: €20k

2021 → 2024

Working capital

€81k▼ 36.3%

2023 · €127k

2021: €21k 2022: €109k 2023: €127k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€24k-€114k▲ 384%€134k▲ 17.6%€84k▼ 37.2%

Operating result€25k-€116k▲ 369%€27k▼ 77.1%€20k▼ 24.5%

Net result€19k-€91k▲ 387%€20k▼ 77.8%€18k▼ 11.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2024 is 24% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €115k

97.3%

Fixed assets €3k ▼ 54.2%

Current assets €112k ▼ 30.6%

Equity and liabilities €115k

73.1%

26.9%

Equity €84k ▼ 37.2%

Debt €31k ▼ 9.1%

Debt's share of the balance-sheet total rises from 20.3% to 26.9%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€24k▼

2023 · €29k

Cash flow

€21k▼

2023 · €23k

Current ratio

3.61▼

2023 · 4.73

Debt to equity

0.37▲

2023 · 0.25

ROE

21.1%▲

2023 · 14.9%

ROA

15.4%▲

2023 · 11.9%

Interest coverage

152.44▲

2023 · 70.16

Debt ≤ 1 year

€31k▼

2023 · €34k

Income taxes

€6k▼

2023 · €6k

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 · 2024 against 2023 · 41 lines

Balance sheet Code20232024

Assets

Total assets20/58€168k€115k▼

Fixed assets21/28€7k€3k▼

Tangible fixed assets22/27€7k€3k▼

Furniture and vehicles24€7k€3k▼

Current assets29/58€162k€112k▼

Amounts receivable within one year40/41€71k€8k▼

Trade receivables40€11k€8k▼

Other amounts receivable41€60k€23▼

Cash at bank and in hand54/58€91k€104k▲

Deferred charges and accrued income490/1€0-

Equity and liabilities

Total equity and liabilities10/49€168k€115k▼

Equity10/15€134k€84k▼

Contributions10/11€5k€5k=

Reserves13€129k€79k▼

Distributable reserves133€129k€79k▼

Profit (loss) carried forward14-€0

Amounts payable17/49€34k€31k▼

Amounts payable within one year42/48€34k€31k▼

Trade debts44€1k€291▼

Suppliers440/4€1k€291▼

Taxes, remuneration and social security45€33k€23k▼

Taxes450/3€33k€23k▼

Other amounts payable47/48-€7k

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲

Other operating charges640/8€788€1k▲

Gross operating margin9900€30k€25k▼

Operating profit (loss)9901€27k€20k▼

Financial income75/76B€216€4k▲

Recurring financial income75€216€4k▲

Financial charges65/66B€418€156▼

Recurring financial charges65€418€156▼

Profit (loss) for the period before taxes9903€26k€24k▼

Income taxes67/77€6k€6k▼

Profit (loss) for the period9904€20k€18k▼

Profit (loss) for the period to be appropriated9905€20k€18k▼

Appropriation of the result

Profit (loss) to be appropriated9906€20k€18k▼

Transfer from equity791/2-€50k

Transfer to equity691/2€20k€0▼

To other reserves6921€20k€0▼

Profit to be distributed694/7-€68k

Return on contributions (dividend)694-€68k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

2025

26-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €18k ▼11.6%

Net result drops to €18k, the lowest in the series.

23-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 23 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Highest result since 2021net €91k ▲387%

Operating result €116k, net result €91k, both a record.

31-12

Financial Equity above €100kEq €114k ▲384%

2 profitable years in a row build equity to €114k.

30-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 30 days late

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, Vosselaar · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Verbindingsstraat 122350 Vosselaar

Ground area

1,008 m²

Building footprint

70 m²

Volume, LiDAR

413 m³

Parcel 13046C0011/02T038, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

V-accounting

Verbindingsstraat 12, 2350 VosselaarLegal and accounting activities

since 20212.314.098.613

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13046C0011/02T038	Flanders	1,008 m²	1 · 70 m²	8.0 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.

Public money · subsidies and aid

Flemish government

2022 · 1 entry · 179 EUR awarded · 179 EUR paid

Year	Entries	awarded	paid
2022	1	179 EUR	179 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 179 EUR · 179 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Nogi Consulting

BE 0666.403.064

Beringen · Eq €84,230

THIERRY ERNST

BE 0722.712.257

Welkenraedt · Eq €84,078

ABACI

BE 0872.902.109

Sint-Niklaas · Eq €84,446

Sint-Jans-Molenbeek · Eq €84,463

Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,396 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

Founded26-02-2021

Fiscal year end31-12

Activities, NACEBEL 2025

69201Certified accountants and tax accountants

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.