Summary
VDAM Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €105,479 and a net result of €82,626. Its solvency ranks better than 79% of 140 sector peers (fiscal year 2026). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 15-07-2026, 108 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
108 d early
2025
17 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
01-10-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€105,479▲ 362%
2025 · €22,853
Net result
€82,626▲ 282%
2025 · €21,653
Total assets
€117,725▲ 143%
2025 · €48,443
Solvency
89.6%▲ 42.4pp
2025 · 47.2%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20252026
Operating result€27,250-€107,217▲ 293%
Net result€21,653within the sector's middle half-€82,626▲ 282%
Equity€22,853below the sector's middle half-€105,479▲ 362%
Total assets€48,443below the sector's middle half-€117,725▲ 143%
Debt€25,590-€12,246▼ 52.1%
Working capital€15,139within the sector's middle half-€100,387▲ 563%
Solvency47.2%within the sector's middle half-89.6%▲ 42.4pp
Current ratio1.59within the sector's middle half-9.29▲ 7.70
Return on assets (ROA)44.7%above the sector's middle half-70.2%▲ 25.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2026; 2026 is 293% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €117,725
Fixed assets
€5,234 ▲ 4.7%
Current assets
€112,491 ▲ 176%
Equity and liabilities €117,725
Equity
€105,479 ▲ 362%
Debt
€12,246 ▼ 52.1%
Debt's share of the balance-sheet total falls from 52.8% to 10.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
78.3%▼
2025 · 94.7%
Debt ≤ 1 year
€12,104▼
2025 · €25,590
Income taxes
€22,310▲
2025 · €5,589
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,051 | €4,209 | ▲ 301% |
| Other operating charges640/8 | - | €149 | - |
| Gross operating margin9900 | €28,301 | €111,575 | ▲ 294% |
| Operating profit (loss)9901 | €27,250 | €107,217 | ▲ 293% |
| Financial income75/76B | - | €0 | - |
| Recurring financial income75 | - | €0 | - |
| Financial charges65/66B | €8 | €2,281 | ▲ 27,251% |
| Recurring financial charges65 | €8 | €2,281 | ▲ 27,251% |
| Profit (loss) for the period before taxes9903 | €27,242 | €104,936 | ▲ 285% |
| Income taxes67/77 | €5,589 | €22,310 | ▲ 299% |
| Profit (loss) for the period9904 | €21,653 | €82,626 | ▲ 282% |
| Profit (loss) for the period to be appropriated9905 | €21,653 | €82,626 | ▲ 282% |
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €48,443 | €117,725 | ▲ 143% |
| Formation expenses20 | €2,713 | €0 | ▼ 100% |
| Fixed assets21/28 | €5,001 | €5,234 | ▲ 4.7% |
| Tangible fixed assets22/27 | €5,001 | €5,234 | ▲ 4.7% |
| Furniture and vehicles24 | €5,001 | €5,234 | ▲ 4.7% |
| Current assets29/58 | €40,729 | €112,491 | ▲ 176% |
| Amounts receivable within one year40/41 | €215 | €215 | = |
| Other amounts receivable41 | €215 | €215 | = |
| Cash at bank and in hand54/58 | €35,318 | €107,053 | ▲ 203% |
| Deferred charges and accrued income490/1 | €5,196 | €5,223 | ▲ 0.5% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €48,443 | €117,725 | ▲ 143% |
| Equity10/15 | €22,853 | €105,479 | ▲ 362% |
| Contributions10/11 | €1,200 | €1,200 | = |
| Reserves13 | €21,653 | €104,279 | ▲ 382% |
| Distributable reserves133 | €21,653 | €104,279 | ▲ 382% |
| Amounts payable17/49 | €25,590 | €12,246 | ▼ 52.1% |
| Amounts payable within one year42/48 | €25,590 | €12,104 | ▼ 52.7% |
| Trade debts44 | €12,395 | €1,808 | ▼ 85.4% |
| Suppliers440/4 | €12,395 | €1,808 | ▼ 85.4% |
| Taxes, remuneration and social security45 | €9,057 | €8,800 | ▼ 2.8% |
| Taxes450/3 | €9,057 | €5,052 | ▼ 44.2% |
| Remuneration and social security454/9 | - | €3,748 | - |
| Other amounts payable47/48 | €4,138 | €1,496 | ▼ 63.8% |
| Accrued charges and deferred income492/3 | - | €142 | - |
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €21,653 | €82,626 | ▲ 282% |
| + Depreciation and write-downs630 | €1,051 | €4,209 | ▲ 301% |
| Operating cash flow (approximation) | €22,704 | €86,835 | ▲ 282% |
| Investment in fixed assets (approximation) | - | -€4,442 | - |
| Change in cash | - | €71,735 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Liquidity times 6current ratio 9.29
Current ratio from 1.59 to 9.29; short-term debt falls from €25,590 to €12,104.
31-03
Financial
Equity above €100,000Eq €105,479 ▲362%
2 profitable years in a row build equity to €105,479.
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2024
Ground area
1,056 m²
Building footprint
130 m²
Volume, LiDAR
777 m³
Parcel 46008A1369/00A002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDAM Consulting
since 20242.369.433.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46008A1369/00A002 | Flanders | 1,056 m² | 1 · 130 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,721 companies in this sector we hold annual accounts for 19,804. 12,456 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded19-12-2024
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
63920Other information service activities
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
74201Photography, excluding press photography
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:1017680745
Also
9925:BE1017680745
Registered
25-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.