VDConcepts is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €428k and a net result of €35k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 70% of 5498 sector peers (fiscal year 2025). The company has been active since 2020 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.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-01-2026, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
29 d early
2024
29 d early
2023
41 d early
2022
5 d early
2021
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€428k▲ 8.9%
2024 · €393k
2021: €299k
2022: €337k
2023: €361k
2024: €393k
2021 → 2025
Net result
€35k▲ 8.4%
2024 · €32k
2021: €24k
2022: €38k
2023: €24k
2024: €32k
2021 → 2025
Total assets
€581k▼ 8.3%
2024 · €634k
2021: €556k
2022: €593k
2023: €561k
2024: €634k
2021 → 2025
Solvency
73.7%▲ 11.7pp
2024 · 62.1%
2021: 53.8%
2022: 56.8%
2023: 64.3%
2024: 62.1%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€299k-€337k▲ 12.6%€361k▲ 7.1%€393k▲ 9.0%€428k▲ 8.9%
Operating result€37k-€51k▲ 37.2%€34k▼ 32.7%€42k▲ 21.2%€48k▲ 13.7%
Net result€24k-€38k▲ 54.3%€24k▼ 36.3%€32k▲ 35.1%€35k▲ 8.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €581k
Fixed assets
€563k▲ 2.4%
Current assets
€18k▼ 78.9%
Equity and liabilities €581k
Equity
€428k▲ 8.9%
Debt
€153k▼ 36.5%
The debt ratio falls from 37.9% to 26.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
73.7%▲
2024 · 62.1%
ROE
8.2%▼
2024 · 8.2%
ROA
6.0%▲
2024 · 5.1%
Debt
€153k▼
2024 · €240k
Debt ≤ 1 year
€108k▼
2024 · €156k
Debt > 1 year
€44k▼
2024 · €85k
Income taxes
€10k▲
2024 · €9k
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€634k€581k▼
Fixed assets21/28€550k€563k▲
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Financial fixed assets28€550k€560k▲
Current assets29/58€84k€18k▼
Amounts receivable within one year40/41€75k€10k▼
Other amounts receivable41€75k€10k▼
Cash at bank and in hand54/58€83€2k▲
Deferred charges and accrued income490/1€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€634k€581k▼
Equity10/15€393k€428k▲
Contributions10/11€275k€275k=
Reserves13€118k€153k▲
Distributable reserves133€118k€153k▲
Amounts payable17/49€240k€153k▼
Amounts payable after more than one year17€85k€44k▼
Financial debts170/4€85k€44k▼
Amounts payable within one year42/48€156k€108k▼
Current portion of amounts payable after more than one year42-€40k
Financial debts43€45k€15k▼
Other loans439€45k€15k▼
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Taxes, remuneration and social security45€15k€16k▲
Taxes450/3€15k€16k▲
Other amounts payable47/48€91k€30k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€4
Other operating charges640/8€721€777▲
Gross operating margin9900€43k€48k▲
Operating profit (loss)9901€42k€48k▲
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€41k€45k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€32k€35k▲
Profit (loss) for the period to be appropriated9905€32k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€35k▲
Transfer to equity691/2€32k€35k▲
To other reserves6921€32k€35k▲
The notes to these accounts (9 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
02-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €24k ▼36.3%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2021net €38k ▲54.3%
Operating result €51k, net result €38k, both a record.
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
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, Kluisbergen · 1 establishment unit since 2020
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.
Scheldekaai 129690 KluisbergenGround area
7,173 m²
Building footprint
3,171 m²
Volume, LiDAR
20,506 m³
2 parcels, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDConcepts
since 20202.303.451.674
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45002A0754/00V000 | Flanders | 6,385 m² | 1 · 3,033 m² | 7.2 m · 2 fl. |
| 34002F0952/00C002 | Flanders | 789 m² | 1 · 138 m² | 9.5 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,713 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2020
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.vd-concepts.com
E-mail:info@vd-concepts.com