VCB

Active

Private limited companyfounded 20206 yrs activeKoloniënstraat 11, 1000 Brussel, BelgiumKBO/BCE: BE 0741.617.458

The computed 12-month bankruptcy probability of VCB is 2.3% (moderate). The 2025 annual accounts show equity of €78k and a net result of €21k. Equity is growing by ~68.9% per year across the filed fiscal years. Its solvency ranks better than 18% of 7892 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

60 / 100

Healthy▼ -8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency21▲+5

Growth78=

Stability100

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity tight (current ratio 1.12 against 1.06 in 2024), and 89.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

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

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

10.9%

Return on assets

Age of the figures

8 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7892 sector peers (2025).

NBB · sector comparison

Position among 7892 sector peers

Solvency

better than 18%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

28 d early

2024

21 d early

2023

27 d early

2022

17 d early

2021

12 d late

2020

17 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 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, abbreviated schema

Equity

€78k▲ 37.4%

2024 · €57k

2020: €6k 2021: €12k 2022: €21k 2023: €33k 2024: €57k

2020 → 2025

Total assets

€711k▼ 28.5%

2024 · €995k

2020: €243k 2021: €88k 2022: €400k 2023: €213k 2024: €995k

2020 → 2025

Net result

€21k▼ 8.2%

2024 · €23k

2020: €5k 2021: €6k 2022: €9k 2023: €13k 2024: €23k

2020 → 2025

Working capital

€78k▲ 37.4%

2024 · €57k

2020: €238k 2021: €82k 2022: €21k 2023: €33k 2024: €57k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€12k-€21k▲ 79.9%€33k▲ 60.9%€57k▲ 68.9%€78k▲ 37.4%

Operating result€10k-€12k▲ 22.2%€16k▲ 30.1%€29k▲ 79.3%€32k▲ 12.9%

Net result€6k-€9k▲ 56.4%€13k▲ 37.1%€23k▲ 82.0%€21k▼ 8.2%

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

Result per fiscal year

Operating resultNet result

The operating result has risen four years in a row; 2025 is 13% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €711k

11%

89.1%

Equity €78k▲ 37.4%

Debt €634k▼ 32.5%

The debt ratio falls from 94.3% to 89.1%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

Solvency

10.9%▲

2024 · 5.7%

Current ratio

1.12▲

2024 · 1.06

Quick ratio

1.12▲

2024 · 1.06

Debt / equity

8.16▼

2024 · 16.60

ROE

27.2%▼

2024 · 40.8%

ROA

3.0%▲

2024 · 2.3%

Debt

€634k▼

2024 · €938k

Debt ≤ 1 year

€634k▼

2024 · €938k

Income taxes

€7k▲

2024 · €6k

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€995k€711k▼

Current assets29/58€995k€711k▼

Amounts receivable within one year40/41€989k€710k▼

Trade receivables40-€205k

Other amounts receivable41€989k€505k▼

Cash at bank and in hand54/58€6k€2k▼

Equity and liabilities

Total equity and liabilities10/49€995k€711k▼

Equity10/15€57k€78k▲

Contributions10/11€1k€1k=

Reserves13€56k€77k▲

Distributable reserves133€56k€77k▲

Amounts payable17/49€938k€634k▼

Amounts payable within one year42/48€938k€634k▼

Trade debts44€143k-

Suppliers440/4€143k-

Taxes, remuneration and social security45€6k-

Taxes450/3€6k-

Other amounts payable47/48€789k€634k▼

Income statement Code20242025

Other operating charges640/8€778€400▼

Gross operating margin9900€29k€33k▲

Operating profit (loss)9901€29k€32k▲

Financial income75/76B€478-

Recurring financial income75€478-

Financial charges65/66B€288€5k▲

Recurring financial charges65€288€5k▲

Profit (loss) for the period before taxes9903€29k€28k▼

Income taxes67/77€6k€7k▲

Profit (loss) for the period9904€23k€21k▼

Profit (loss) for the period to be appropriated9905€23k€21k▼

Appropriation of the result

Profit (loss) to be appropriated9906€23k€21k▼

Transfer to equity691/2€23k€21k▼

To other reserves6921€23k€21k▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 7Financial 1Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

10-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Highest result since 2020net €23k ▲82%

Net result €23k, the highest in the series.

04-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

14-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

12-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 12 days late

2021

17-08

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 17 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2022

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

30-06-2022 Resigned as Director

Location & real-estate footprint

Registered office, Brussel · 1 establishment unit since 2020

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.

Koloniënstraat 111000 Brussel

Ground area

7,320 m²

Building footprint

3,677 m²

Volume, LiDAR