VBL CONSULTING
ActiveVBL CONSULTING has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €266k and a net result of €44k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 85% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 8.1 against 9.63 in 2024), and 11.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
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
88.2%
Return on assets
14.4%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
24 d early
2024
341 d late
2023
26 d early
2022
42 d early
2021
34 d early
2020
39 d early
2019
43 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
€266k▲ 9.0%
2024 · €244k
2018: €45k
2019: €101k
2020: €155k
2021: €158k
2022: €173k
2023: €209k
2024: €244k
2018 → 2025
Total assets
€301k▲ 11.4%
2024 · €271k
2018: €64k
2019: €105k
2020: €161k
2021: €221k
2022: €223k
2023: €227k
2024: €271k
2018 → 2025
Net result
€44k▼ 12.1%
2024 · €50k
2018: €39k
2019: €56k
2020: €54k
2021: €60k
2022: €50k
2023: €51k
2024: €50k
2018 → 2025
Working capital
€253k▲ 9.2%
2024 · €231k
2018: €45k
2019: €101k
2020: €153k
2021: €156k
2022: €167k
2023: €195k
2024: €231k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€173k▲ 9.7%€209k▲ 20.7%€244k▲ 16.5%€266k▲ 9.0%
Operating result€77k-€65k▼ 15.6%€66k▲ 1.3%€64k▼ 2.4%€56k▼ 12.6%
Net result€60k-€50k▼ 15.8%€51k▲ 1.0%€50k▼ 2.7%€44k▼ 12.1%
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; 2025 is 13% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €301k
Fixed assets
€13k▲ 5.1%
Current assets
€288k▲ 11.7%
Equity and liabilities €301k
Equity
€266k▲ 9.0%
Debt
€36k▲ 32.8%
The debt ratio rises from 9.9% to 11.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€58k▼
2024 · €66k
Cash flow
€46k▼
2024 · €52k
Solvency
88.2%▼
2024 · 90.1%
Current ratio
8.10▼
2024 · 9.63
Quick ratio
8.10▼
2024 · 9.63
Debt / equity
0.13▲
2024 · 0.11
ROE
16.4%▼
2024 · 20.3%
ROA
14.4%▼
2024 · 18.3%
Interest coverage
72.05▲
2024 · 60.93
Debt
€36k▲
2024 · €27k
Debt ≤ 1 year
€36k▲
2024 · €27k
Income taxes
€12k▼
2024 · €14k
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€271k€301k▲
Fixed assets21/28€12k€13k▲
Tangible fixed assets22/27€12k€13k▲
Plant, machinery and equipment23€11k€12k▲
Furniture and vehicles24€1k€988▼
Current assets29/58€258k€288k▲
Amounts receivable within one year40/41€17k€17k▲
Trade receivables40€14k€14k▼
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€242k€272k▲
Deferred charges and accrued income490/1-€107
Equity and liabilities
Total equity and liabilities10/49€271k€301k▲
Equity10/15€244k€266k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€236k€258k▲
Amounts payable17/49€27k€36k▲
Amounts payable within one year42/48€27k€36k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€12k€14k▲
Other amounts payable47/48€13k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€806€894▲
Gross operating margin9900€67k€59k▼
Operating profit (loss)9901€64k€56k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€1k€812▼
Recurring financial charges65€1k€812▼
Profit (loss) for the period before taxes9903€63k€55k▼
Income taxes67/77€14k€12k▼
Profit (loss) for the period9904€50k€44k▼
Profit (loss) for the period to be appropriated9905€50k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€251k€279k▲
Profit (loss) brought forward from the previous period14P€201k€236k▲
Profit to be distributed694/7€15k€22k▲
Return on contributions (dividend)694€15k€22k▲
The notes to these accounts (5 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 341 days late
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 11.95
Current ratio from 4.39 to 11.95; short-term debt falls from €49k to €18k.
31-12
Financial
Equity above €200kEq €209k ▲20.7%
6 profitable years in a row build equity to €209k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €60k ▲11.4%
Operating result €77k, net result €60k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €155k ▲53.1%
3 profitable years in a row build equity to €155k.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 9current ratio 30.26
Current ratio from 3.39 to 30.26; short-term debt falls from €19k to €3k.
31-12
Financial
Equity above €100kEq €101k ▲124%
2 profitable years in a row build equity to €101k.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Rixensart · 1 establishment unit since 2018
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.
Avenue du Centre 201332 RixensartGround area
584 m²
Building footprint
141 m²
Volume, LiDAR
644 m³
Parcel 25033C0658/00M000, Wallonia · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VBL CONSULTING
since 20182.274.521.227
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25033C0658/00M000 | Wallonia | 583 m² | 1 · 141 m² | 6.2 m · 1 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.
Similar companies · same sector, comparable size
FICONOS
BE 0829.747.797
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BE 0502.528.195
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BRUGHMANS IT CONSULTANCY
BE 0842.708.977
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PHASIANUS
BE 0864.698.778
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DE POTTER ENGINEERING
BE 0770.633.029
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 14,011 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.