Vectr.Consulting
ActiveSummary
Vectr.Consulting has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €577k and a net result of €-215k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 1424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-2
Solvency91▼-7
Growth35=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 3.39 in 2024; short-term debt: 33.5% and cash: 1.1% of total assets), and 34.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
1819202122232425
2018 to 2025 · latest year €-215k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
24 d early
2023
27 d late
2022
3 d late
2021
23 d late
2020
3 d late
2019
22 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.57M▼ 17.1%
2024 · €1.89M
2018: €4.82Mhighest in 8 years
2019: €2.80M▼ -42.0% vs 2018
2020: €2.77M▼ -0.9% vs 2019
2021: €2.82M▲ +1.8% vs 2020
2022: €2.06M▼ -26.9% vs 2021
2023: €2.05M▼ -0.6% vs 2022
2024: €1.89M▼ -7.8% vs 2023
2025: €1.57M▼ -17.1% vs 2024lowest in 8 years
2018 → 2025
EBIT margin
-11.6%▼ 5.1pp
2024 · -6.5%
2018: 3.2%
2019: 9.0%▲ +185% vs 2018
2020: 12.9%▲ +42.3% vs 2019highest in 8 years
2021: 9.7%▼ -24.4% vs 2020
2022: 9.5%▼ -1.9% vs 2021
2023: 5.2%▼ -45.2% vs 2022
2024: -6.5%▼ -224% vs 2023
2025: -11.6%▼ -78.1% vs 2024lowest in 8 years
2018 → 2025
Net result
€-215k▼ 57.5%
2024 · €-137k
2018: €82k
2019: €148k▲ +79.9% vs 2018
2020: €301k▲ +103% vs 2019highest in 8 years
2021: €158k▼ -47.6% vs 2020
2022: €108k▼ -31.5% vs 2021
2023: €70k▼ -34.9% vs 2022
2024: €-137k▼ -295% vs 2023
2025: €-215k▼ -57.5% vs 2024lowest in 8 years
2018 → 2025
Working capital
€242k▼ 63.9%
2024 · €670k
2018: €169klowest in 8 years
2019: €273k▲ +61.3% vs 2018
2020: €564k▲ +106% vs 2019
2021: €641k▲ +13.8% vs 2020
2022: €707k▲ +10.2% vs 2021
2023: €790k▲ +11.7% vs 2022highest in 8 years
2024: €670k▼ -15.1% vs 2023
2025: €242k▼ -63.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.82M-€2.06M▼ 26.9%€2.05M▼ 0.6%€1.89M▼ 7.8%€1.57M▼ 17.1%
2021: €2.82Mhighest in 5 years
2022: €2.06M▼ -26.9% vs 2021
2023: €2.05M▼ -0.6% vs 2022
2024: €1.89M▼ -7.8% vs 2023
2025: €1.57M▼ -17.1% vs 2024lowest in 5 years
Equity€751k-€859k▲ 14.4%€929k▲ 8.2%€792k▼ 14.7%€577k▼ 27.2%
2021: €751k
2022: €859k▲ +14.4% vs 2021
2023: €929k▲ +8.2% vs 2022highest in 5 years
2024: €792k▼ -14.7% vs 2023
2025: €577k▼ -27.2% vs 2024lowest in 5 years
Operating result€274k-€196k▼ 28.3%€107k▼ 45.6%€-123k€-181k▼ 47.6%
2021: €274khighest in 5 years
2022: €196k▼ -28.3% vs 2021
2023: €107k▼ -45.6% vs 2022
2024: €-123k▼ -215% vs 2023
2025: €-181k▼ -47.6% vs 2024lowest in 5 years
Net result€158k-€108k▼ 31.5%€70k▼ 34.9%€-137k€-215k▼ 57.5%
2021: €158khighest in 5 years
2022: €108k▼ -31.5% vs 2021
2023: €70k▼ -34.9% vs 2022
2024: €-137k▼ -295% vs 2023
2025: €-215k▼ -57.5% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €181k in 2025 against €123k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €876k
Fixed assets
€340k ▲ 158%
Current assets
€536k ▼ 43.7%
Equity and liabilities €876k
Equity
€577k ▼ 27.2%
Provisions
€3k
Debt
€296k ▲ 1.8%
Debt's share of the balance-sheet total rises from 26.8% to 33.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-157k▼
2024 · €-98k
Cash flow
€-191k▼
2024 · €-112k
Current ratio
1.82▼
2024 · 3.39
Debt to equity
0.51▲
2024 · 0.37
ROE
-37.3%▼
2024 · -17.3%
ROA
-24.6%▼
2024 · -12.6%
Interest coverage
-4.70▼
2024 · -3.94
Debt ≤ 1 year
€294k▲
2024 · €281k
Income taxes
€3k▼
2024 · €4k
Staff costs
€1.10M▲
2024 · €1.06M
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.08M€876k▼
Fixed assets21/28€132k€340k▲
Tangible fixed assets22/27€51k€59k▲
Plant, machinery and equipment23€23k€34k▲
Furniture and vehicles24€9k€13k▲
Other tangible fixed assets26€18k€12k▼
Financial fixed assets28€81k€281k▲
Current assets29/58€951k€536k▼
Amounts receivable within one year40/41€915k€502k▼
Trade receivables40€406k€333k▼
Other amounts receivable41€510k€169k▼
Cash at bank and in hand54/58€9k€10k▲
Deferred charges and accrued income490/1€26k€24k▼
Equity and liabilities
Total equity and liabilities10/49€1.08M€876k▼
Equity10/15€792k€577k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€730k€515k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€17k-
Distributable reserves133€707k€509k▼
Profit (loss) carried forward14€288€-2▼
Provisions and deferred taxes16-€3k
Provisions for liabilities and charges160/5-€3k
Pensions and similar obligations160-€3k
Amounts payable17/49€290k€296k▲
Amounts payable within one year42/48€281k€294k▲
Trade debts44€133k€136k▲
Suppliers440/4€133k€136k▲
Taxes, remuneration and social security45€148k€157k▲
Taxes450/3€32k€27k▼
Remuneration and social security454/9€115k€131k▲
Accrued charges and deferred income492/3€10k€2k▼
Income statement
Code20242025
Turnover70€1.89M€1.57M▼
Non-recurring operating income76A€71€19k▲
Goods, raw materials, services and sundry goods60/61€1.02M€753k▼
Remuneration, social security and pensions62€1.06M€1.10M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€8k€7k▼
Gross operating margin9900€971k€958k▼
Operating profit (loss)9901€-123k€-181k▼
Financial income75/76B€15k€2k▼
Recurring financial income75€15k€2k▼
Financial charges65/66B€25k€33k▲
Recurring financial charges65€25k€33k▲
Profit (loss) for the period before taxes9903€-133k€-212k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€-137k€-215k▼
Transfer from tax-exempt reserves789€105k€17k▼
Profit (loss) for the period to be appropriated9905€-31k€-198k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-198k▼
Profit (loss) brought forward from the previous period14P€40€288▲
Transfer from equity791/2€137k€215k▲
Transfer to equity691/2€105k€17k▼
To other reserves6921€105k€17k▼
Social balance
Average headcount (FTE)908715.015.7▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €2.82M | €2.06M | €2.05M | €1.89M | €1.57M | ▼ 17.1% |
| Non-recurring operating income76A | €314 | - | €88 | €71 | €19k | ▲ 26,183% |
| Goods, raw materials, services and sundry goods60/61 | €1.56M | €896k | €1.04M | €1.02M | €753k | ▼ 26.2% |
| Remuneration, social security and pensions62 | €1.05M | €1.01M | €960k | €1.06M | €1.10M | ▲ 4.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13k | €18k | €25k | €24k | €24k | ▼ 2.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €-1k | - | - | €3k | - |
| Other operating charges640/8 | €6k | €3k | €5k | €8k | €7k | ▼ 6.4% |
| Gross operating margin9900 | €1.34M | €1.22M | €1.10M | €971k | €958k | ▼ 1.4% |
| Operating profit (loss)9901 | €274k | €196k | €107k | €-123k | €-181k | ▼ 47.6% |
| Financial income75/76B | €913 | €2k | €14k | €15k | €2k | ▼ 84.1% |
| Recurring financial income75 | €913 | €2k | €14k | €15k | €2k | ▼ 84.1% |
| Financial charges65/66B | €14k | €15k | €17k | €25k | €33k | ▲ 34.1% |
| Recurring financial charges65 | €14k | €15k | €17k | €25k | €33k | ▲ 34.1% |
| Profit (loss) for the period before taxes9903 | €261k | €184k | €104k | €-133k | €-212k | ▼ 60.0% |
| Income taxes67/77 | €104k | €76k | €33k | €4k | €3k | ▼ 24.6% |
| Profit (loss) for the period9904 | €158k | €108k | €70k | €-137k | €-215k | ▼ 57.5% |
| Transfer from tax-exempt reserves789 | - | - | - | €105k | €17k | ▼ 84.0% |
| Transfer to tax-exempt reserves689 | - | €17k | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €158k | €91k | €70k | €-31k | €-198k | ▼ 531% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.15M | €1.21M | €1.27M | €1.08M | €876k | ▼ 19.1% |
| Fixed assets21/28 | €111k | €158k | €139k | €132k | €340k | ▲ 158% |
| Tangible fixed assets22/27 | €30k | €53k | €59k | €51k | €59k | ▲ 15.9% |
| Plant, machinery and equipment23 | €22k | €33k | €20k | €23k | €34k | ▲ 46.3% |
| Furniture and vehicles24 | €143 | €6k | €12k | €9k | €13k | ▲ 39.5% |
| Other tangible fixed assets26 | €8k | €14k | €27k | €18k | €12k | ▼ 34.2% |
| Financial fixed assets28 | €81k | €105k | €81k | €81k | €281k | ▲ 248% |
| Current assets29/58 | €1.04M | €1.05M | €1.13M | €951k | €536k | ▼ 43.7% |
| Amounts receivable within one year40/41 | €1.01M | €1.02M | €1.08M | €915k | €502k | ▼ 45.2% |
| Trade receivables40 | €327k | €444k | €402k | €406k | €333k | ▼ 18.0% |
| Other amounts receivable41 | €688k | €579k | €681k | €510k | €169k | ▼ 66.8% |
| Cash at bank and in hand54/58 | €15k | €11k | €21k | €9k | €10k | ▲ 5.4% |
| Deferred charges and accrued income490/1 | €14k | €18k | €22k | €26k | €24k | ▼ 7.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.15M | €1.21M | €1.27M | €1.08M | €876k | ▼ 19.1% |
| Equity10/15 | €751k | €859k | €929k | €792k | €577k | ▼ 27.2% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | €62k | €62k | €62k | €62k | €62k | = |
| Issued capital100 | €62k | €62k | €62k | €62k | €62k | = |
| Reserves13 | €689k | €797k | €867k | €730k | €515k | ▼ 29.5% |
| Non-distributable reserves130/1 | €6k | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | €6k | €6k | €6k | €6k | €6k | = |
| Tax-exempt reserves132 | €105k | €122k | €122k | €17k | - | - |
| Distributable reserves133 | €577k | €668k | €739k | €707k | €509k | ▼ 28.0% |
| Profit (loss) carried forward14 | €36 | €83 | €40 | €288 | €-2 | ▼ 101% |
| Provisions and deferred taxes16 | €1k | - | - | - | €3k | - |
| Provisions for liabilities and charges160/5 | €1k | - | - | - | €3k | - |
| Pensions and similar obligations160 | €1k | - | - | - | €3k | - |
| Amounts payable17/49 | €402k | €351k | €337k | €290k | €296k | ▲ 1.8% |
| Amounts payable within one year42/48 | €402k | €344k | €337k | €281k | €294k | ▲ 4.6% |
| Trade debts44 | €238k | €170k | €182k | €133k | €136k | ▲ 2.6% |
| Suppliers440/4 | €238k | €170k | €182k | €133k | €136k | ▲ 2.6% |
| Taxes, remuneration and social security45 | €164k | €170k | €156k | €148k | €157k | ▲ 6.5% |
| Taxes450/3 | €52k | €31k | €40k | €32k | €27k | ▼ 17.8% |
| Remuneration and social security454/9 | €112k | €139k | €116k | €115k | €131k | ▲ 13.4% |
| Other amounts payable47/48 | - | €4k | - | - | - | - |
| Accrued charges and deferred income492/3 | - | €7k | - | €10k | €2k | ▼ 80.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €158k | €108k | €70k | €-137k | €-215k | ▼ 57.5% |
| + Depreciation and write-downs630 | €13k | €18k | €25k | €24k | €24k | ▼ 2.5% |
| Operating cash flow (approximation) | €170k | €126k | €95k | €-112k | €-191k | ▼ 70.6% |
| Investment in fixed assets (approximation) | - | €-66k | €-6k | €-17k | €-232k | ▼ 1,277% |
| Change in cash | - | €-4k | €10k | €-12k | €514 | ▲ 104% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-215k
Net result drops to €-215k, the lowest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
31-12
Financial
Highest result since 2018net €301k ▲103%
Operating result €356k, net result €301k, both a record.
31-12
Financial
Equity above €500kEq €593k ▲103%
3 profitable years in a row build equity to €593k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €293k ▲103%
2 profitable years in a row build equity to €293k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Kontich · 1 establishment unit since 2017
Ground area
4,903 m²
Building footprint
857 m²
Volume, LiDAR
6,383 m³
Parcel 11024B0078/00M000, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Vectr.Consulting
since 20172.264.605.154
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0078/00M000 | Flanders | 4,902 m² | 1 · 857 m² | 9.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 · 2,428 EUR awarded · 2,428 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,428 EUR | 2,428 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 11,334 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded28-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.