VECOBA Consulting
ActiveVECOBA Consulting has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €29k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 37% of 3478 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+58
Solvency60▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.46 in 2024; short-term debt: 52.8% of total assets), and 64.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
35.1%
Return on assets
12.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
2 d early
2023
8 d early
2022
28 d late
2021
31 d early
2020
30 d late
2019
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 39.0%
2024 · €58k
2018: €39k
2019: €45k
2020: €50k
2021: €54k
2022: €63k
2023: €71k
2024: €58k
2018 → 2025
Total assets
€230k▲ 15.8%
2024 · €198k
2018: €69k
2019: €106k
2020: €176k
2021: €148k
2022: €148k
2023: €213k
2024: €198k
2018 → 2025
Net result
€29k
2024 · €-13k
2018: €-7k
2019: €6k
2020: €26k
2021: €4k
2022: €9k
2023: €9k
2024: €-13k
2018 → 2025
Working capital
€60k▲ 38.8%
2024 · €43k
2018: €18k
2019: €31k
2020: €25k
2021: €22k
2022: €25k
2023: €45k
2024: €43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€63k▲ 15.8%€71k▲ 13.7%€58k▼ 18.5%€81k▲ 39.0%
Operating result€7k-€16k▲ 131%€19k▲ 18.8%€-11k€44k
Net result€4k-€9k▲ 106%€9k▲ 0.2%€-13k€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €11k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€48k▼ 21.3%
Current assets
€181k▲ 32.5%
Equity and liabilities €230k
Equity
€81k▲ 39.0%
Debt
€149k▲ 6.3%
The debt ratio falls from 70.8% to 64.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▲
2024 · €10k
Cash flow
€48k▲
2024 · €8k
Solvency
35.1%▲
2024 · 29.2%
Current ratio
1.49▲
2024 · 1.46
Quick ratio
1.49▲
2024 · 1.46
Debt / equity
1.85▼
2024 · 2.42
ROE
35.7%▲
2024 · -22.6%
ROA
12.5%▲
2024 · -6.6%
Interest coverage
9.53▲
2024 · 1.84
Debt
€149k▲
2024 · €140k
Debt ≤ 1 year
€121k▲
2024 · €94k
Debt > 1 year
€26k▼
2024 · €47k
Income taxes
€14k▲
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€198k€230k▲
Fixed assets21/28€62k€48k▼
Tangible fixed assets22/27€62k€48k▼
Land and buildings22€18k€20k▲
Furniture and vehicles24€44k€29k▼
Current assets29/58€137k€181k▲
Amounts receivable within one year40/41€136k€180k▲
Trade receivables40€45k€74k▲
Other amounts receivable41€90k€106k▲
Cash at bank and in hand54/58€0-
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€198k€230k▲
Equity10/15€58k€81k▲
Contributions10/11€19k€19k=
Reserves13€53k€62k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€51k€60k▲
Profit (loss) carried forward14€-13k€0▲
Amounts payable17/49€140k€149k▲
Amounts payable after more than one year17€47k€26k▼
Financial debts170/4€47k€26k▼
Amounts payable within one year42/48€94k€121k▲
Current portion of amounts payable after more than one year42€35k€39k▲
Financial debts43€14k€18k▲
Credit institutions430/8€14k€18k▲
Trade debts44€11k€4k▼
Suppliers440/4€11k€4k▼
Taxes, remuneration and social security45€20k€40k▲
Taxes450/3€20k€40k▲
Other amounts payable47/48€14k€20k▲
Accrued charges and deferred income492/3€142€1k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€19k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€14k€68k▲
Operating profit (loss)9901€-11k€44k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€-12k€43k▲
Income taxes67/77€2k€14k▲
Profit (loss) for the period9904€-13k€29k▲
Profit (loss) for the period to be appropriated9905€-13k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€16k▲
Profit (loss) brought forward from the previous period14P-€-13k
Transfer from equity791/2-€19k
Transfer to equity691/2€0€29k▲
To other reserves6921€0€29k▲
Profit to be distributed694/7-€6k
Return on contributions (dividend)694-€6k
The notes to these accounts (6 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-13k ▼253%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Zutendaal · 1 establishment unit since 2014
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.
Sint-Rochusstraat 153690 ZutendaalGround area
1,148 m²
Building footprint
208 m²
Volume, LiDAR
1,383 m³
Parcel 71067B0841/00K000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VECOBA CONSULTING
since 20142.227.636.276
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067B0841/00K000 | Flanders | 1,148 m² | 1 · 208 m² | 10.6 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 2023 · 2 entries · 631 EUR awarded · 631 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 117 EUR | 117 EUR |
| 2022 | 1 | 514 EUR | 514 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,564 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-01-2014
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.