VCS Holding has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €118k and a net result of €49k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 15% of 8657 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
58 d late
2022
30 d late
2021
31 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€118k▼ 79.3%
2024 · €569k
2021: €220k
2022: €381k
2023: €521k
2024: €569k
2021 → 2025
Total assets
€1.22M▲ 9.5%
2024 · €1.11M
2021: €749k
2022: €969k
2023: €1.07M
2024: €1.11M
2021 → 2025
Net result
€49k▼ 0.1%
2024 · €49k
2021: €215k
2022: €161k
2023: €140k
2024: €49k
2021 → 2025
Working capital
€-280k
2024 · €279k
2021: €220k
2022: €86k
2023: €228k
2024: €279k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€220k-€381k▲ 73.1%€521k▲ 36.7%€569k▲ 9.4%€118k▼ 79.3%
Operating result€19k-€18k▼ 2.0%€77k▲ 319%€69k▼ 11.2%€67k▼ 2.5%
Net result€215k-€161k▼ 25.2%€140k▼ 13.0%€49k▼ 65.2%€49k▼ 0.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€800k=
Current assets
€420k▲ 33.6%
Equity and liabilities €1.22M
Equity
€118k▼ 79.3%
Debt
€1.10M▲ 102%
The debt ratio rises from 48.9% to 90.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
9.7%▼
2024 · 51.1%
ROE
41.3%▲
2024 · 8.6%
ROA
4.0%▼
2024 · 4.4%
Debt
€1.10M▲
2024 · €545k
Debt ≤ 1 year
€700k▲
2024 · €35k
Debt > 1 year
€400k▼
2024 · €500k
Income taxes
€16k▼
2024 · €17k
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€1.11M€1.22M▲
Fixed assets21/28€800k€800k=
Financial fixed assets28€800k€800k=
Current assets29/58€314k€420k▲
Amounts receivable after more than one year29€50k€50k=
Trade receivables290€50k€0▼
Other amounts receivable291-€50k
Amounts receivable within one year40/41€173k€252k▲
Trade receivables40€6k€6k=
Other amounts receivable41€167k€246k▲
Current investments50/53€8k€32k▲
Cash at bank and in hand54/58€83k€86k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.22M▲
Equity10/15€569k€118k▼
Contributions10/11€5k€5k=
Reserves13€564k€113k▼
Distributable reserves133€564k€113k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€545k€1.10M▲
Amounts payable after more than one year17€500k€400k▼
Financial debts170/4€500k€400k▼
Amounts payable within one year42/48€35k€700k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€24k€11k▼
Taxes450/3€23k€9k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€8k€686k▲
Accrued charges and deferred income492/3€10k€2k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▼
Gross operating margin9900€70k€68k▼
Operating profit (loss)9901€69k€67k▼
Financial income75/76B-€120
Recurring financial income75-€120
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€66k€65k▼
Income taxes67/77€17k€16k▼
Profit (loss) for the period9904€49k€49k▼
Profit (loss) for the period to be appropriated9905€49k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€49k▼
Transfer from equity791/2-€500k
Transfer to equity691/2€49k€49k▼
To the legal reserve6920-€0
To other reserves6921€49k€49k▼
Profit to be distributed694/7-€500k
Return on contributions (dividend)694-€500k
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €49k ▼0.1%
Net result drops to €49k, the lowest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 6.87
Current ratio from 2.03 to 6.87; short-term debt falls from €83k to €39k.
31-12
Financial
Equity above €500kEq €521k ▲36.7%
3 profitable years in a row build equity to €521k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Essen · 1 establishment unit since 2020
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.
Sint-Jansstraat 512910 EssenGround area
1,824 m²
Building footprint
1,125 m²
Volume, LiDAR
5,744 m³
Parcel 11642C0520/00W000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VCS Holding
since 20202.307.074.724
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642C0520/00W000 | Flanders | 1,824 m² | 1 · 1,125 m² | 8.5 m · 2 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.
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,494. 2,308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2020
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.