VDB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €47k and a net result of €46k. Its solvency ranks better than 67% of 6156 sector peers (fiscal year 2024). 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 health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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 · 1 filingDeviation from the deadline
2024
57 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€47k
Net result
€46k
Total assets
€67k
Solvency
70.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Equity and liabilities €67k
Equity
€47k
Debt
€20k
Debt finances 29.6% of the balance-sheet total.
Key figures and ratios
Solvency
70.4%
ROE
96.6%
ROA
68.0%
Debt
€20k
Debt ≤ 1 year
€20k
Income taxes
€11k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€67k
Current assets29/58€67k
Amounts receivable within one year40/41€37k
Trade receivables40€8k
Other amounts receivable41€29k
Cash at bank and in hand54/58€30k
Equity and liabilities
Total equity and liabilities10/49€67k
Equity10/15€47k
Contributions10/11€2k
Profit (loss) carried forward14€46k
Amounts payable17/49€20k
Amounts payable within one year42/48€20k
Taxes, remuneration and social security45€20k
Taxes450/3€20k
Income statement
Code2024
Gross operating margin9900€57k
Operating profit (loss)9901€57k
Financial income75/76B€15
Recurring financial income75€15
Financial charges65/66B€23
Recurring financial charges65€23
Profit (loss) for the period before taxes9903€57k
Income taxes67/77€11k
Profit (loss) for the period9904€46k
Profit (loss) for the period to be appropriated9905€46k
Appropriation of the result
Profit (loss) to be appropriated9906€46k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 57 days late
NBB filing
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Kortenberg · 1 establishment unit since 2024
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.
Arthur De Coninckstraat 93070 KortenbergGround area
1.1 ha
Building footprint
3,016 m²
Volume, LiDAR
28,739 m³
Parcel 24055A0008/00S000, Flanders · tallest building 15.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VDB
since 20242.362.487.359
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24055A0008/00S000 | Flanders | 1.1 ha | 1 · 3,016 m² | 15.5 m · 3 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 10,267 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.