Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of VBK is 0.4% (very low). The 2024 annual accounts show equity of €214k and a net result of €60k. Its solvency ranks better than 88% of 12464 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 88% of 12464 peers (2024). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 10 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 01-07-2025 | 30 d early | 2025-00224520 |
| 31-12-2023 | 31-07-2024 | 31-07-2024 | on the day | 2024-00323413 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.4%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€60k+39.8%
Working capital€149k+42.7%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 01-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 86.2% | 60.6% | |
| Net result | €60k | €31k | |
| Equity | €214k | €63k | |
| Gross operating margin | €80k | €52k | |
| Total assets | €248k | €124k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€79k
+40.8%
23-24
€60k
+39.8%
23-24
€63k
+41.2%
23-24
€248k
+34.4%
23-24
€214k
+38.6%
23-24
€149k
+42.7%
23-24
€16k
+38.8%
23-24
€34k
+13.0%
23-24
€34k
+13.2%
23-24
5.36
+20.2%
23-24
5.36
+20.2%
23-24
86.2%
+3.1%
23-24
0.16
-18.5%
23-24
27.9%
+0.9%
23-24
24.0%
+4.0%
23-24
489.55
-36.0%
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €79k |
| Net profit | €60k |
| Cash flow | €63k |
| Staff costs | - |
| Income taxes | €16k |
| Dividends | - |
| Total assets | €248k |
| Equity | €214k |
| Debt | €34k |
| of which ≤ 1y | €34k |
| of which > 1y | - |
| Working capital | €149k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 5.36 |
| Quick ratio | 5.36 |
| Working capital ratio | 60.0% |
| Solvency | 86.2% |
| Debt / equity | 0.16 |
| Long-term debt ratio | - |
| Interest coverage | 489.55 |
| Gross margin | - |
| Net margin | - |
| ROA | 24.0% |
| ROE | 27.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €248k |
| Fixed assets | 21/28 | €65k |
| Tangible fixed assets | 22/27 | €65k |
| Current assets | 29/58 | €183k |
| Amounts receivable within one year | 40/41 | €45k |
| Cash & bank | 54/58 | €138k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €248k |
| Equity | 10/15 | €214k |
| Contributions / capital | 10/11 | €1 |
| Reserves | 13 | €214k |
| Accumulated profits (losses) | 14 | €234 |
| Amounts payable | 17/49 | €34k |
| Amounts payable within one year | 42/48 | €34k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €80k |
| Operating result | 9901 | €76k |
| Financial charges | 65 | €161 |
| Result before taxes | 9903 | €76k |
| Income taxes | 67/77 | €16k |
| Net result for the period | 9904 | €60k |
| Result to be appropriated | 9905 | €60k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computed100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Connections & network
1 connected companyGroup structure
Subsidiary · 3 locations
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Establishment units
1 locationVBK
since 20212.318.832.906
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area340 m²
Buildings1
Building footprint85 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110D0598/00A000 | Wallonia | 340 m² | 1 · 85 m² | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Capital history · 1
28-08-2023
Capital change
All acts · 1
updated 2 years ago
2023
28-08-2023 Transaction in capital or shares
Notary:
Olivier BROUWERS · Ixelles
Analysis
Snowflake analysis
financial profile on 5 axes94
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
100
Growth
78
Stability
94
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameFR | VBK |
Registered office
Avenue des Heures Claires 15
1410 Waterloo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.