VECTOR
ActiveSummary
VECTOR has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €179k and a net result of €49k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+5
Solvency70▼-23
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 3.06 in 2024; short-term debt: 54% and cash: 63% of total assets), but 55% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
45%
Return on assets
12.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
60 d late
2023
63 d late
2022
65 d late
2021
6 d early
2020
88 d late
2019
61 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€179k▼ 38.2%
2024 · €290k
2018: €184k
2019: €233k
2020: €268k
2021: €286k
2022: €325k
2023: €311k
2024: €290k
2018 → 2025
Total assets
€399k▼ 6.1%
2024 · €424k
2018: €383k
2019: €415k
2020: €479k
2021: €395k
2022: €435k
2023: €414k
2024: €424k
2018 → 2025
Net result
€49k▲ 47.6%
2024 · €33k
2018: €35k
2019: €49k
2020: €51k
2021: €40k
2022: €53k
2023: €24k
2024: €33k
2018 → 2025
Working capital
€163k▼ 38.2%
2024 · €264k
2018: €104k
2019: €170k
2020: €221k
2021: €208k
2022: €253k
2023: €269k
2024: €264k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€286k-€325k▲ 13.3%€311k▼ 4.1%€290k▼ 6.8%€179k▼ 38.2%
Operating result€58k-€76k▲ 29.9%€37k▼ 50.5%€50k▲ 32.9%€69k▲ 38.6%
Net result€40k-€53k▲ 31.1%€24k▼ 54.1%€33k▲ 37.3%€49k▲ 47.6%
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 39% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399k
Fixed assets
€20k ▼ 37.3%
Current assets
€378k ▼ 3.5%
Equity and liabilities €399k
Equity
€179k ▼ 38.2%
Debt
€219k ▲ 63.5%
Debt's share of the balance-sheet total rises from 31.6% to 55.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€81k▲
2024 · €63k
Cash flow
€61k▲
2024 · €47k
Current ratio
1.76▼
2024 · 3.06
Debt to equity
1.22▲
2024 · 0.46
ROE
27.3%▲
2024 · 11.4%
ROA
12.3%▲
2024 · 7.8%
Interest coverage
19.79▲
2024 · 12.43
Debt ≤ 1 year
€215k▲
2024 · €128k
Income taxes
€21k▲
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€424k€399k▼
Fixed assets21/28€32k€20k▼
Tangible fixed assets22/27€30k€18k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€30k€18k▼
Financial fixed assets28€3k€3k=
Current assets29/58€392k€378k▼
Amounts receivable within one year40/41€28k€39k▲
Trade receivables40€11k€14k▲
Other amounts receivable41€17k€25k▲
Current investments50/53€280k€87k▼
Cash at bank and in hand54/58€80k€251k▲
Deferred charges and accrued income490/1€4k€962▼
Equity and liabilities
Total equity and liabilities10/49€424k€399k▼
Equity10/15€290k€179k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€229k€118k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€223k€112k▼
Amounts payable17/49€134k€219k▲
Amounts payable within one year42/48€128k€215k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€6k€28k▲
Taxes450/3€6k€28k▲
Other amounts payable47/48€120k€183k▲
Accrued charges and deferred income492/3€6k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€12k▼
Other operating charges640/8€4k€1k▼
Gross operating margin9900€67k€82k▲
Operating profit (loss)9901€50k€69k▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€47k€70k▲
Income taxes67/77€14k€21k▲
Profit (loss) for the period9904€33k€49k▲
Profit (loss) for the period to be appropriated9905€33k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€49k▲
Transfer from equity791/2€54k€160k▲
Transfer to equity691/2€33k€49k▲
To other reserves6921€33k€49k▲
Profit to be distributed694/7€54k€160k▲
Return on contributions (dividend)694€54k€160k▲
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
31-12
Financial
Weakest financial yearnet €24k ▼54.1%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Highest result since 2018net €53k ▲31.1%
Operating result €76k, net result €53k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Equity above €200kEq €233k ▲26.6%
2 profitable years in a row build equity to €233k.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Geel · 1 establishment unit since 1993
Ground area
1,720 m²
Building footprint
250 m²
Volume, LiDAR
1,421 m³
Parcel 13372A0955/00H025, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VECTOR NV
since 19932.063.860.189
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13372A0955/00H025 | Flanders | 1,720 m² | 1 · 250 m² | 8.1 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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,614 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-09-1993
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.