VDH-M
ActiveVDH-M has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €61k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency73▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.89 in 2024; short-term debt: 51.9% and cash: 55% of total assets), and 51.9% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
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
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
48.1%
Return on assets
36.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
56 d early
2024
118 d early
2023
142 d early
2022
28 d early
2021
34 d early
2020
31 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k=
2024 · €80k
2020: €19k
2021: €46k
2022: €80k
2023: €117k
2024: €80k
2020 → 2025
Total assets
€166k▲ 1.3%
2024 · €164k
2020: €45k
2021: €66k
2022: €103k
2023: €126k
2024: €164k
2020 → 2025
Net result
€61k▲ 17.1%
2024 · €52k
2020: €17k
2021: €29k
2022: €34k
2023: €38k
2024: €52k
2020 → 2025
Working capital
€28k▼ 62.9%
2024 · €75k
2020: €6k
2021: €40k
2022: €52k
2023: €100k
2024: €75k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€80k▲ 71.9%€117k▲ 46.3%€80k▼ 31.6%€80k=
Operating result€40k-€51k▲ 27.5%€48k▼ 5.9%€70k▲ 46.4%€77k▲ 9.6%
Net result€29k-€34k▲ 19.2%€38k▲ 10.4%€52k▲ 36.8%€61k▲ 17.1%
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 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€52k▲ 908%
Current assets
€114k▼ 28.3%
Equity and liabilities €166k
Equity
€80k=
Debt
€86k▲ 2.5%
The debt ratio rises from 51.3% to 51.9%. Debt is higher.
Key figures and ratios
EBITDA
€83k▲
2024 · €81k
Cash flow
€67k▲
2024 · €63k
Solvency
48.1%▼
2024 · 48.7%
Current ratio
1.32▼
2024 · 1.89
Quick ratio
1.32▼
2024 · 1.89
Debt / equity
1.08▲
2024 · 1.05
ROE
75.7%▲
2024 · 64.7%
ROA
36.5%▲
2024 · 31.5%
Interest coverage
-150.56▼
2024 · 3852.38
Debt
€86k▲
2024 · €84k
Debt ≤ 1 year
€86k▲
2024 · €84k
Income taxes
€20k▲
2024 · €18k
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€164k€166k▲
Fixed assets21/28€5k€52k▲
Tangible fixed assets22/27€5k€52k▲
Furniture and vehicles24€5k€52k▲
Financial fixed assets28€40€40=
Current assets29/58€159k€114k▼
Amounts receivable within one year40/41€17k€23k▲
Trade receivables40€17k€18k▲
Other amounts receivable41€0€4k▲
Current investments50/53€80k€0▼
Cash at bank and in hand54/58€61k€91k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€164k€166k▲
Equity10/15€80k€80k=
Contributions10/11€2k€2k=
Reserves13€78k€78k=
Distributable reserves133€78k€78k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€84k€86k▲
Amounts payable within one year42/48€84k€86k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€77k€79k▲
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€6k▼
Other operating charges640/8€728€824▲
Gross operating margin9900€82k€84k▲
Operating profit (loss)9901€70k€77k▲
Financial income75/76B€7€3k▲
Recurring financial income75€7€3k▲
Financial charges65/66B€21€-551▼
Recurring financial charges65€21€-551▼
Profit (loss) for the period before taxes9903€70k€80k▲
Income taxes67/77€18k€20k▲
Profit (loss) for the period9904€52k€61k▲
Profit (loss) for the period to be appropriated9905€52k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€61k▲
Transfer from equity791/2€37k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€89k€61k▼
Return on contributions (dividend)694€89k€61k▼
The notes to these accounts (13 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €61k ▲17.1%
Operating result €77k, net result €61k, both a record.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 12.18
Current ratio from 3.24 to 12.18; short-term debt falls from €23k to €9k.
31-12
Financial
Equity above €100kEq €117k ▲46.3%
4 profitable years in a row build equity to €117k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 2.99
Current ratio from 1.24 to 2.99; short-term debt falls from €26k to €20k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Wuustwezel · 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.
Kruisdreef 112990 WuustwezelGround area
1,061 m²
Building footprint
248 m²
Volume, LiDAR
1,228 m³
Parcel 11026E0479/00K000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDH-M
since 20202.300.884.837
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11026E0479/00K000 | Flanders | 1,061 m² | 1 · 248 m² | 7.0 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 437 EUR awarded · 437 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 117 EUR | 117 EUR |
| 2024 | 1 | 194 EUR | 194 EUR |
| 2023 | 1 | 72 EUR | 72 EUR |
| 2022 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,097 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.