VDB HOLDING
ActiveVDB HOLDING has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €258k and a net result of €17k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 30% of 8589 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy▼ -21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-66
Solvency68▼-8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 4.74 in 2024), but 70.6% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
29.4%
Return on assets
2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
23 d late
2023
2 d early
2022
on the day
2021
31 d late
2020
16 d early
2019
92 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€258k▼ 10.6%
2024 · €288k
2018: €129k
2019: €130k
2020: €178k
2021: €182k
2022: €189k
2023: €231k
2024: €288k
2018 → 2025
Total assets
€877k▲ 3.4%
2024 · €848k
2018: €152k
2019: €169k
2020: €444k
2021: €779k
2022: €723k
2023: €783k
2024: €848k
2018 → 2025
Net result
€17k▼ 69.8%
2024 · €57k
2018: €11k
2019: €6k
2020: €58k
2021: €4k
2022: €7k
2023: €42k
2024: €57k
2018 → 2025
Working capital
€186k▼ 4.2%
2024 · €194k
2018: €12k
2019: €15k
2020: €34k
2021: €75k
2022: €85k
2023: €118k
2024: €194k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€182k-€189k▲ 4.0%€231k▲ 22.0%€288k▲ 24.7%€258k▼ 10.6%
Operating result€17k-€21k▲ 26.0%€71k▲ 232%€36k▼ 49.3%€47k▲ 31.4%
Net result€4k-€7k▲ 65.7%€42k▲ 474%€57k▲ 37.0%€17k▼ 69.8%
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 recovers in 2025; 2025 is 31% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €877k
Fixed assets
€584k▼ 2.9%
Current assets
€292k▲ 19.0%
Equity and liabilities €877k
Equity
€258k▼ 10.6%
Debt
€619k▲ 10.6%
The debt ratio rises from 66.0% to 70.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€51k▼
2024 · €63k
Cash flow
€21k▼
2024 · €84k
Solvency
29.4%▼
2024 · 34.0%
Current ratio
2.74▼
2024 · 4.74
Quick ratio
2.72▼
2024 · 4.47
Debt / equity
2.40▲
2024 · 1.94
ROE
6.7%▼
2024 · 19.8%
ROA
2.0%▼
2024 · 6.7%
Interest coverage
1.93▼
2024 · 2.34
Debt
€619k▲
2024 · €560k
Debt ≤ 1 year
€107k▲
2024 · €52k
Debt > 1 year
€489k▲
2024 · €471k
Income taxes
€17k▲
2024 · €16k
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€848k€877k▲
Fixed assets21/28€602k€584k▼
Tangible fixed assets22/27€35k€16k▼
Furniture and vehicles24€31k€14k▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€567k€568k▲
Current assets29/58€246k€292k▲
Stocks and contracts in progress3€14k€3k▼
Stocks30/36€14k€3k▼
Amounts receivable within one year40/41€158k€196k▲
Trade receivables40€105k€120k▲
Other amounts receivable41€54k€76k▲
Cash at bank and in hand54/58€21k€24k▲
Deferred charges and accrued income490/1€53k€70k▲
Equity and liabilities
Total equity and liabilities10/49€848k€877k▲
Equity10/15€288k€258k▼
Contributions10/11€6k€6k=
Reserves13€160k€129k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€158k€129k▼
Profit (loss) carried forward14€122k€122k=
Amounts payable17/49€560k€619k▲
Amounts payable after more than one year17€471k€489k▲
Financial debts170/4€471k€489k▲
Amounts payable within one year42/48€52k€107k▲
Current portion of amounts payable after more than one year42€15k€7k▼
Trade debts44€837€5k▲
Suppliers440/4€837€5k▲
Taxes, remuneration and social security45€21k€31k▲
Taxes450/3€21k€31k▲
Other amounts payable47/48€14k€64k▲
Accrued charges and deferred income492/3€37k€23k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€3k▼
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€64k€56k▼
Operating profit (loss)9901€36k€47k▲
Financial income75/76B€65k€13k▼
Recurring financial income75€65k€13k▼
Financial charges65/66B€27k€26k▼
Recurring financial charges65€27k€26k▼
Profit (loss) for the period before taxes9903€73k€34k▼
Income taxes67/77€16k€17k▲
Profit (loss) for the period9904€57k€17k▼
Profit (loss) for the period to be appropriated9905€57k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€179k€139k▼
Profit (loss) brought forward from the previous period14P€122k€122k=
Transfer from equity791/2-€48k
Transfer to equity691/2€57k€17k▼
To other reserves6921€57k€17k▼
Profit to be distributed694/7-€48k
Return on contributions (dividend)694-€48k
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 23 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €231k ▲22%
6 profitable years in a row build equity to €231k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €4k ▼92.4%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €58k ▲854%
Operating result €83k, net result €58k, both a record.
31-12
Financial
Equity above €150kEq €178k ▲36.7%
3 profitable years in a row build equity to €178k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 92 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schilde · 1 establishment unit since 2003
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.
Klein Waterstraat 672970 SchildeGround area
2,351 m²
Building footprint
279 m²
Volume, LiDAR
1,816 m³
Parcel 11039A0522/00P000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDB HOLDING - NEWWORLD INTERIORS
since 20032.132.300.322
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0522/00P000 | Flanders | 2,351 m² | 1 · 279 m² | 11.8 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.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 38,687 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-04-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.