VDAD Services
ActiveVDAD Services has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €39k. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 10.98 against 3.87 in 2024; short-term debt: 8.9% and cash: 5.1% of total assets), and 8.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
91.1%
Return on assets
50%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €72k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
25 d late
2023
30 d late
2022
13 d late
2021
30 d late
2020
29 d late
2019
91 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 121%
2024 · €33k
2018: €76k
2019: €78k
2020: €105k
2021: €130k
2022: €60k
2023: €52k
2024: €33k
2018 → 2025
Total assets
€79k▲ 98.7%
2024 · €40k
2018: €90k
2019: €91k
2020: €157k
2021: €185k
2022: €189k
2023: €74k
2024: €40k
2018 → 2025
Net result
€39k
2024 · €-19k
2018: €16k
2019: €2k
2020: €27k
2021: €25k
2022: €14k
2023: €-21k
2024: €-19k
2018 → 2025
Working capital
€70k▲ 237%
2024 · €21k
2018: €75k
2019: €78k
2020: €72k
2021: €103k
2022: €35k
2023: €30k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€60k▼ 53.9%€52k▼ 14.2%€33k▼ 36.9%€72k▲ 121%
Operating result€33k-€19k▼ 40.3%€-20k€-19k▲ 6.6%€43k
Net result€25k-€14k▼ 43.9%€-21k€-19k▲ 9.3%€39k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €43k after a loss of €19k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€2k▼ 81.0%
Current assets
€77k▲ 175%
Equity and liabilities €79k
Equity
€72k▲ 121%
Debt
€7k▼ 3.1%
The debt ratio falls from 18.1% to 8.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €-4k
Cash flow
€49k▲
2024 · €-4k
Solvency
91.1%▲
2024 · 81.9%
Current ratio
10.98▲
2024 · 3.87
Quick ratio
10.98▲
2024 · 3.87
Debt / equity
0.10▼
2024 · 0.22
ROE
54.8%▲
2024 · -58.4%
ROA
50.0%▲
2024 · -47.8%
Interest coverage
162.66▲
2024 · -12.14
Debt
€7k▼
2024 · €7k
Debt ≤ 1 year
€7k▼
2024 · €7k
Income taxes
€3k▲
2024 · €141
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€40k€79k▲
Fixed assets21/28€12k€2k▼
Tangible fixed assets22/27€12k€2k▼
Furniture and vehicles24€12k€2k▼
Current assets29/58€28k€77k▲
Amounts receivable within one year40/41€11k€72k▲
Trade receivables40-€72k
Other amounts receivable41€11k€856▼
Cash at bank and in hand54/58€17k€4k▼
Deferred charges and accrued income490/1-€192
Equity and liabilities
Total equity and liabilities10/49€40k€79k▲
Equity10/15€33k€72k▲
Contributions10/11€19k€19k=
Reserves13€54k€54k=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€-40k€-476▲
Amounts payable17/49€7k€7k▼
Amounts payable within one year42/48€7k€7k▼
Financial debts43€6k-
Credit institutions430/8€6k-
Trade debts44€398€2k▲
Suppliers440/4€398€2k▲
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€4k▲
Remuneration and social security454/9-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€10k▼
Other operating charges640/8€770€2k▲
Non-recurring operating charges66A€656-
Gross operating margin9900€-2k€54k▲
Operating profit (loss)9901€-19k€43k▲
Financial income75/76B-€19
Recurring financial income75-€19
Financial charges65/66B€319€321▲
Recurring financial charges65€319€321▲
Profit (loss) for the period before taxes9903€-19k€42k▲
Income taxes67/77€141€3k▲
Profit (loss) for the period9904€-19k€39k▲
Profit (loss) for the period to be appropriated9905€-19k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-476▲
Profit (loss) brought forward from the previous period14P€-21k€-40k▼
The notes to these accounts (4 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €39k
Net result €39k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 10.98
Current ratio from 3.87 to 10.98; short-term debt falls from €7k to €7k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-21k ▼247%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.81
Current ratio from 1.30 to 2.81; short-term debt falls from €115k to €17k.
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 13 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2020
31-12
Financial
Equity above €100kEq €105k ▲33.9%
3 profitable years in a row build equity to €105k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
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, Kontich · 1 establishment unit since 2015
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.
Hoeve-ter-Bekelaan 392550 KontichGround area
511 m²
Building footprint
143 m²
Volume, LiDAR
772 m³
Parcel 11602E0113/00V002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDAD Services
since 20152.381.635.654
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0113/00V002 | Flanders | 511 m² | 1 · 143 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 877 EUR awarded · 877 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 283 EUR | 283 EUR |
| 2022 | 1 | 594 EUR | 594 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,772 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-08-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.