VDBK-INFI
ActiveSummary
VDBK-INFI has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €8k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency37▼-63
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 15%
← weakest
strongest →
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
74 d late
2023
69 d late
2022
26 d late
2021
24 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 94.4%
2024 · €53k
2021: €10k
2022: €38k
2023: €38k
2024: €53k
2021 → 2025
Total assets
€26k▼ 60.3%
2024 · €65k
2021: €16k
2022: €51k
2023: €51k
2024: €65k
2021 → 2025
Net result
€8k▼ 51.1%
2024 · €15k
2021: €7k
2022: €27k
2023: €317
2024: €15k
2021 → 2025
Working capital
€3k▼ 94.4%
2024 · €53k
2021: €10k
2022: €36k
2023: €37k
2024: €53k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€38k▲ 266%€38k▲ 0.8%€53k▲ 40.9%€3k▼ 94.4%
Operating result€10k-€35k▲ 259%€2k▼ 93.7%€22k▲ 895%€11k▼ 48.9%
Net result€7k-€27k▲ 276%€317▼ 98.8%€15k▲ 4,781%€8k▼ 51.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €26k
Equity
€3k ▼ 94.4%
Debt
€23k ▲ 93.4%
Debt's share of the balance-sheet total rises from 18.1% to 88.4%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.13▼
2024 · 5.52
Debt to equity
7.62▲
2024 · 0.22
ROE
252.2%▲
2024 · 29.0%
ROA
29.3%▲
2024 · 23.8%
Debt ≤ 1 year
€23k▲
2024 · €12k
Income taxes
€3k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€65k€26k▼
Current assets29/58€65k€26k▼
Amounts receivable within one year40/41€43k€14k▼
Other amounts receivable41€43k€14k▼
Cash at bank and in hand54/58€10k€6k▼
Deferred charges and accrued income490/1€13k€6k▼
Equity and liabilities
Total equity and liabilities10/49€65k€26k▼
Equity10/15€53k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€50k-
Amounts payable17/49€12k€23k▲
Amounts payable within one year42/48€12k€23k▲
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€11k€23k▲
Taxes450/3€11k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€821-
Other operating charges640/8€2k€4k▲
Gross operating margin9900€25k€16k▼
Operating profit (loss)9901€22k€11k▼
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€964€806▼
Recurring financial charges65€964€806▼
Profit (loss) for the period before taxes9903€21k€11k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€15k€8k▼
Profit (loss) for the period to be appropriated9905€15k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€58k▲
Profit (loss) brought forward from the previous period14P€35k€50k▲
Profit to be distributed694/7-€58k
Return on contributions (dividend)694-€58k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Weakest financial yearnet €317 ▼98.8%
Net result drops to €317, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
31-12
Financial
Highest result since 2021net €27k ▲276%
Operating result €35k, net result €27k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2021
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.
Allée de la Charmille(HSH) 76120 Ham-sur-Heure-NalinnesGround area
586 m²
Building footprint
347 m²
Volume, LiDAR
2,181 m³
2 parcels, Wallonia · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDBK-INFI
since 20212.313.865.714
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52040A0119/00C004 | Wallonia | 387 m² | 1 · 88 m² | 10.0 m · 2 fl. |
| 56034B0286/00Y003 | Wallonia | 199 m² | 1 · 260 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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VANPRAET SOFIE
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Oostkamp · Eq €3,000
Thuisverpleging Roosje Van den Bergh
BE 0779.545.349
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EJA - VERPLEGING
BE 0787.198.550
Antwerpen · Eq €3,000
INFIRESSOURCE
BE 1006.943.439
Juprelle · Eq €3,000
Of 5,984 companies in sector 86940 we hold annual accounts for 1,808. 573 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.