VDP CONSULT 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 €114k and a net result of €104k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 8018 sector peers (fiscal year 2025). The company has been active since 2021 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 31-12-2025 was due by 31-07-2026 and was filed on 02-04-2026, 120 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
120 d early
2024
49 d early
2023
44 d early
2022
56 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€114k▼ 70.5%
2024 · €387k
2022: €222k
2023: €294k
2024: €387k
2022 → 2025
Net result
€104k▲ 12.1%
2024 · €93k
2022: €221k
2023: €72k
2024: €93k
2022 → 2025
Total assets
€405k▼ 33.4%
2024 · €608k
2022: €480k
2023: €550k
2024: €608k
2022 → 2025
Solvency
28.2%▼ 35.5pp
2024 · 63.7%
2022: 46.2%
2023: 53.5%
2024: 63.7%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€222k-€294k▲ 32.6%€387k▲ 31.5%€114k▼ 70.5%
Operating result€293k-€96k▼ 67.0%€122k▲ 26.2%€142k▲ 16.8%
Net result€221k-€72k▼ 67.2%€93k▲ 28.1%€104k▲ 12.1%
Turnover and EBIT margin not published: the 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 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€285k▲ 3.4%
Current assets
€121k▼ 63.8%
Equity and liabilities €405k
Equity
€114k▼ 70.5%
Debt
€291k▲ 31.7%
The debt ratio rises from 36.3% to 71.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
28.2%▼
2024 · 63.7%
ROE
91.1%▲
2024 · 24.0%
ROA
25.7%▲
2024 · 15.3%
Debt
€291k▲
2024 · €221k
Debt ≤ 1 year
€166k▲
2024 · €77k
Debt > 1 year
€124k▼
2024 · €144k
Income taxes
€33k▲
2024 · €29k
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€608k€405k▼
Fixed assets21/28€275k€285k▲
Tangible fixed assets22/27€275k€285k▲
Land and buildings22€257k€257k=
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24-€12k
Other tangible fixed assets26€16k€14k▼
Current assets29/58€333k€121k▼
Amounts receivable within one year40/41€68k€65k▼
Trade receivables40€68k€61k▼
Other amounts receivable41€0€5k▲
Current investments50/53€0-
Cash at bank and in hand54/58€264k€54k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€608k€405k▼
Equity10/15€387k€114k▼
Contributions10/11€1k€1k=
Reserves13€386k€113k▼
Tax-exempt reserves132€84k€84k=
Distributable reserves133€302k€29k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€221k€291k▲
Amounts payable after more than one year17€144k€124k▼
Financial debts170/4€144k€124k▼
Amounts payable within one year42/48€77k€166k▲
Current portion of amounts payable after more than one year42€19k€19k▲
Trade debts44€2k€244▼
Suppliers440/4€2k€244▼
Taxes, remuneration and social security45€54k€34k▼
Taxes450/3€54k€34k▼
Other amounts payable47/48€3k€113k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€642€925▲
Gross operating margin9900€125k€148k▲
Operating profit (loss)9901€122k€142k▲
Financial income75/76B€4k€1k▼
Recurring financial income75€4k€1k▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€121k€137k▲
Income taxes67/77€29k€33k▲
Profit (loss) for the period9904€93k€104k▲
Profit (loss) for the period to be appropriated9905€93k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€93k€104k▲
Transfer from equity791/2-€302k
Transfer to equity691/2€93k€29k▼
To other reserves6921€93k€29k▼
Profit to be distributed694/7-€377k
Return on contributions (dividend)694-€377k
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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €72k ▼67.2%
Net result drops to €72k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zulte · 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.
Waalstraat 579870 ZulteGround area
398 m²
Building footprint
97 m²
Volume, LiDAR
542 m³
Parcel 44081C0135/00E006, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDP CONSULT
since 20212.317.022.667
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44081C0135/00E006 | Flanders | 398 m² | 1 · 97 m² | 10.3 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 · 1 entry · 120 EUR awarded · 120 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6488QS26UVY78RI18715
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress 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.