VC Windows & Cleaningexperts
ActiveVC Windows & Cleaningexperts has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €93k and a net result of €-11k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 17% of 32 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2026
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability29▼-8
Solvency44▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.72 in 2025; short-term debt: 17.6% and cash: 0.9% of total assets), and 81.1% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
18.9%
Return on assets
-2.3%
Age of the figures
6 mo
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
1920212223242526
2019 to 2026 · latest year €-11k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 32 sector peers (2026).
NBB · sector comparisonPosition among 32 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 14-09-2026, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
47 d early
2025
24 d early
2024
47 d late
2023
22 d early
2022
25 d early
2021
48 d early
2020
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€93k▼ 10.8%
2025 · €105k
2019: €56k
2020: €98k
2021: €91k
2022: €122k
2023: €129k
2024: €106k
2025: €105k
2019 → 2026
Total assets
€495k▲ 7.4%
2025 · €461k
2019: €142k
2020: €173k
2021: €355k
2022: €408k
2023: €386k
2024: €497k
2025: €461k
2019 → 2026
Net result
€-11k▼ 915%
2025 · €-1k
2019: €8k
2020: €42k
2021: €-7k
2022: €31k
2023: €7k
2024: €-23k
2025: €-1k
2019 → 2026
Working capital
€-41k▼ 123%
2025 · €-19k
2019: €25k
2020: €66k
2021: €-6k
2022: €12k
2023: €20k
2024: €10k
2025: €-19k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€122k-€129k▲ 5.9%€106k▼ 18.1%€105k▼ 1.1%€93k▼ 10.8%
Operating result€53k-€14k▼ 73.8%€4k▼ 73.5%€19k▲ 406%€12k▼ 34.9%
Net result€31k-€7k▼ 77.1%€-23k€-1k▲ 95.2%€-11k▼ 915%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 35% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €495k
Fixed assets
€450k▲ 8.6%
Current assets
€46k▼ 3.4%
Equity and liabilities €495k
Equity
€93k▼ 10.8%
Debt
€402k▲ 12.7%
The debt ratio rises from 77.3% to 81.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€35k▼
2025 · €44k
Cash flow
€12k▼
2025 · €24k
Solvency
18.9%▼
2025 · 22.7%
Current ratio
0.52▼
2025 · 0.72
Quick ratio
0.52▼
2025 · 0.71
Debt / equity
4.30▲
2025 · 3.40
ROE
-12.1%▼
2025 · -1.1%
ROA
-2.3%▼
2025 · -0.2%
Interest coverage
1.52▼
2025 · 2.22
Debt
€402k▲
2025 · €356k
Debt ≤ 1 year
€87k▲
2025 · €66k
Debt > 1 year
€315k▲
2025 · €289k
Income taxes
€135
Staff costs
€143k▲
2025 · €137k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€461k€495k▲
Fixed assets21/28€414k€450k▲
Tangible fixed assets22/27€414k€450k▲
Land and buildings22€378k€415k▲
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€4k€3k▼
Leasing and similar rights25€23k€24k▲
Current assets29/58€47k€46k▼
Stocks and contracts in progress3€411-
Stocks30/36€411-
Amounts receivable within one year40/41€37k€40k▲
Trade receivables40€21k€11k▼
Other amounts receivable41€16k€29k▲
Current investments50/53€100-
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€461k€495k▲
Equity10/15€105k€93k▼
Contributions10/11€6k€6k=
Reserves13€92k€92k=
Tax-exempt reserves132€15k€15k=
Distributable reserves133€77k€77k=
Profit (loss) carried forward14€7k€-5k▼
Amounts payable17/49€356k€402k▲
Amounts payable after more than one year17€289k€315k▲
Financial debts170/4€289k€315k▲
Amounts payable within one year42/48€66k€87k▲
Current portion of amounts payable after more than one year42€28k€28k▼
Financial debts43-€23k
Credit institutions430/8-€23k
Trade debts44€21k€26k▲
Suppliers440/4€21k€26k▲
Taxes, remuneration and social security45€13k€10k▼
Taxes450/3€1k€6k▲
Remuneration and social security454/9€12k€4k▼
Other amounts payable47/48€3k-
Accrued charges and deferred income492/3€1k-
Income statement
Code20252026
Non-recurring operating income76A-€141k
Remuneration, social security and pensions62€137k€143k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€23k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€184k€181k▼
Operating profit (loss)9901€19k€12k▼
Financial income75/76B€2€121▲
Recurring financial income75€2€121▲
Financial charges65/66B€20k€23k▲
Recurring financial charges65€20k€23k▲
Profit (loss) for the period before taxes9903€-1k€-11k▼
Income taxes67/77-€135
Profit (loss) for the period9904€-1k€-11k▼
Profit (loss) for the period to be appropriated9905€-1k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-5k▼
Profit (loss) brought forward from the previous period14P€8k€7k▼
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 2027, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
31-03
Financial
Weakest financial yearnet €-23k ▼428%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-03
Financial
Equity above €100kEq €122k ▲34.3%
Equity rises from €91k to €122k.
2021
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €42k ▲443%
Operating result €59k, net result €42k, both a record.
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
09-10
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
4 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, Ichtegem · 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.
Oostendesteenweg(FICH) 2238480 IchtegemGround area
4,255 m²
Building footprint
1,289 m²
Volume, LiDAR
6,622 m³
2 parcels, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VC Windows & Cleaningexperts
since 20162.252.767.293
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35006A0838/00X000 | Flanders | 2,756 m² | 1 · 1,115 m² | 7.6 m · 2 fl. |
| 35003B0733/00F000 | Flanders | 1,498 m² | 1 · 173 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,705 companies in sector 81230 we hold annual accounts for 472. 366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2016
Fiscal year end31-03
Activities, NACEBEL
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.