VBL

Active

Private limited companyfounded 20251 yr activePolderstraat 65, 9870 Zulte, BelgiumKBO/BCE: BE 1018.427.843

VBL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4k and a net result of €1k. Its solvency ranks better than 9% of 7954 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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Signals

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

+raises risk○neutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 7954 sector peers (2025).

NBB · sector comparison

Position among 7954 sector peers

Solvency

better than 9%

← weakest strongest →

Young company

Founded in 2025, under 3 years, statistically higher risk.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

4 d early

← before the deadline after the deadline →

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 2025, micro schema

Equity

€4k

Net result

€1k

Total assets

€625k

Solvency

0.7%

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

Balance-sheet composition

Assets €625k

99.6%

Fixed assets €622k

Current assets €3k

Equity and liabilities €625k

99.3%

Equity €4k

Debt €620k

Debt finances 99.3% of the balance-sheet total.

Key figures and ratios

2025 value

Solvency

0.7%

ROE

27.1%

ROA

0.2%

Debt

€620k

Debt ≤ 1 year

€17k

Debt > 1 year

€604k

A ratio outside any meaningful range has been withheld (balance sheet total €625k, equity €4k).

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€625k

Fixed assets21/28€622k

Financial fixed assets28€622k

Current assets29/58€3k

Cash at bank and in hand54/58€2k

Deferred charges and accrued income490/1€473

Equity and liabilities

Total equity and liabilities10/49€625k

Equity10/15€4k

Contributions10/11€3k

Reserves13€1k

Distributable reserves133€1k

Amounts payable17/49€620k

Amounts payable after more than one year17€604k

Financial debts170/4€604k

Amounts payable within one year42/48€17k

Current portion of amounts payable after more than one year42€13k

Taxes, remuneration and social security45€4k

Taxes450/3€4k

Remuneration and social security454/9€0

Income statement Code2025

Other operating charges640/8€887

Gross operating margin9900€6k

Operating profit (loss)9901€5k

Financial income75/76B€3

Recurring financial income75€3

Financial charges65/66B€4k

Recurring financial charges65€4k

Profit (loss) for the period before taxes9903€1k

Profit (loss) for the period9904€1k

Profit (loss) for the period to be appropriated9905€1k

Appropriation of the result

Profit (loss) to be appropriated9906€1k

Transfer to equity691/2€1k

To other reserves6921€1k

The notes to these accounts (5 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 1Filings 1

2026

27-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Zulte · 1 establishment unit since 2025

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.

Polderstraat 659870 Zulte

Ground area

620 m²

Building footprint

118 m²

Parcel 44037B0065/00S000, Flanders. Linked by address, not a title deed.

1 establishment unit

VBL

Polderstraat 65, 9870 ZulteActivities of holding companies

since 20252.368.558.767

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44037B0065/00S000	Flanders	620 m²	1 · 118 m²	-

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.

Similar companies · same sector, comparable size

Human Systems Blooming

BE 0697.888.175

Chaumont-Gistoux · Eq €4k

INFIMMO HOLDING

BE 0793.555.515

Soignies · Eq €4k

Of 24,640 companies in sector 64210 we hold annual accounts for 19,689. 2,845 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-01-2025

Fiscal year end31-12

Activities, NACEBEL

64210Activities of holding companies

70100Activities of head offices

70200Business and other management consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.