VDS Living
ActiveThe computed 12-month bankruptcy probability of VDS Living is 2.9% (moderate). The 2025 annual accounts show equity of €118k and a net result of €-3k. Equity is shrinking by ~3.4% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+6
Solvency60▼-40
Growth32=
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.53 against 56.13 in 2024; short-term debt: 65.4% and cash: 2.4% of total assets), but 65.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34.6%
Return on assets
-0.9%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-3k
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 29-01-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
2 d early
2022
2 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€118k▼ 2.4%
2024 · €121k
2022: €130k
2023: €125k
2024: €121k
2022 → 2025
Total assets
€340k▲ 175%
2024 · €123k
2022: €292k
2023: €125k
2024: €123k
2022 → 2025
Net result
€-3k▲ 31.5%
2024 · €-4k
2022: €125k
2023: €-6k
2024: €-4k
2022 → 2025
Working capital
€118k▼ 2.9%
2024 · €121k
2022: €131k
2023: €125k
2024: €121k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€130k-€125k▼ 4.4%€121k▼ 3.4%€118k▼ 2.4%
Operating result€165k-€-5k€-4k▲ 19.9%€-3k▲ 29.2%
Net result€125k-€-6k€-4k▲ 24.4%€-3k▲ 31.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €4k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €340k
Equity
€118k▼ 2.4%
Debt
€222k▲ 7,690%
The debt ratio rises from 2.3% to 65.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
34.6%▼
2024 · 97.7%
Current ratio
1.53▼
2024 · 56.13
Quick ratio
0.04▼
2024 · 8.74
Debt / equity
1.89▲
2024 · 0.02
ROE
-2.5%▲
2024 · -3.6%
ROA
-0.9%▲
2024 · -3.5%
Debt
€222k▲
2024 · €3k
Debt ≤ 1 year
€222k▲
2024 · €2k
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€123k€340k▲
Current assets29/58€123k€340k▲
Stocks and contracts in progress3€104k€332k▲
Stocks30/36€104k€332k▲
Amounts receivable within one year40/41€2k-
Other amounts receivable41€2k-
Cash at bank and in hand54/58€17k€8k▼
Deferred charges and accrued income490/1€192-
Equity and liabilities
Total equity and liabilities10/49€123k€340k▲
Equity10/15€121k€118k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€116k€113k▼
Amounts payable17/49€3k€222k▲
Amounts payable within one year42/48€2k€222k▲
Taxes, remuneration and social security45€36-
Taxes450/3€36-
Other amounts payable47/48€2k€222k▲
Accrued charges and deferred income492/3€655€66▼
Income statement
Code20242025
Other operating charges640/8€366€2k▲
Gross operating margin9900€-4k€-1k▲
Operating profit (loss)9901€-4k€-3k▲
Financial income75/76B-€100
Recurring financial income75-€100
Profit (loss) for the period before taxes9903€-4k€-3k▲
Profit (loss) for the period9904€-4k€-3k▲
Profit (loss) for the period to be appropriated9905€-4k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€116k€113k▼
Profit (loss) brought forward from the previous period14P€120k€116k▼
The notes to these accounts (1 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-6k ▼105%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 156current ratio 282.43
Current ratio from 1.81 to 282.43; short-term debt falls from €161k to €444.
29-01
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, Aarschot · 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.
Tieltseweg 1783202 AarschotGround area
3,341 m²
Building footprint
186 m²
Volume, LiDAR
951 m³
Parcel 24092D0520/00K000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDS Living
since 20212.313.348.149
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24092D0520/00K000 | Flanders | 3,341 m² | 1 · 186 m² | 7.8 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2021
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.