VEFO
ActiveVEFO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.52M and a net result of €95k. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 8636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 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
Profitability76▲+6
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 17.34 against 6.62 in 2024; short-term debt: 2.2% and cash: 10.4% of total assets), and 2.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
97.8%
Return on assets
6.1%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
28 d early
2023
22 d early
2022
18 d early
2021
37 d early
2020
8 d early
2019
14 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.52M▼ 12.1%
2024 · €1.73M
2018: €321k
2019: €413k
2020: €516k
2021: €625k
2022: €750k
2023: €1.82M
2024: €1.73M
2018 → 2025
Total assets
€1.55M▼ 16.7%
2024 · €1.87M
2018: €785k
2019: €943k
2020: €914k
2021: €898k
2022: €826k
2023: €1.97M
2024: €1.87M
2018 → 2025
Net result
€95k▲ 331%
2024 · €22k
2018: €95k
2019: €93k
2020: €103k
2021: €109k
2022: €126k
2023: €1.21M
2024: €22k
2018 → 2025
Working capital
€553k▼ 27.3%
2024 · €762k
2018: €-16k
2019: €-165k
2020: €-79k
2021: €31k
2022: €106k
2023: €-11k
2024: €762k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€625k-€750k▲ 20.1%€1.82M▲ 143%€1.73M▼ 5.1%€1.52M▼ 12.1%
Operating result€157k-€176k▲ 11.8%€1.36M▲ 672%€54k▼ 96.0%€133k▲ 147%
Net result€109k-€126k▲ 15.6%€1.21M▲ 863%€22k▼ 98.2%€95k▲ 331%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 147% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.55M
Fixed assets
€967k▼ 0.1%
Current assets
€587k▼ 34.5%
Equity and liabilities €1.55M
Equity
€1.52M▼ 12.1%
Debt
€34k▼ 75.0%
The debt ratio falls from 7.3% to 2.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€134k▲
2024 · €55k
Cash flow
€96k▲
2024 · €23k
Solvency
97.8%▲
2024 · 92.7%
Current ratio
17.34▲
2024 · 6.62
Quick ratio
17.34▲
2024 · 6.62
Debt / equity
0.02▼
2024 · 0.08
ROE
6.3%▲
2024 · 1.3%
ROA
6.1%▲
2024 · 1.2%
Interest coverage
111.10▲
2024 · 41.77
Debt
€34k▼
2024 · €136k
Debt ≤ 1 year
€34k▼
2024 · €136k
Income taxes
€55k▲
2024 · €42k
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€1.87M€1.55M▼
Fixed assets21/28€968k€967k▼
Tangible fixed assets22/27€1k€304▼
Furniture and vehicles24€1k€304▼
Financial fixed assets28€967k€967k=
Current assets29/58€897k€587k▼
Amounts receivable within one year40/41€472k€423k▼
Trade receivables40€247k€287k▲
Other amounts receivable41€226k€137k▼
Cash at bank and in hand54/58€423k€162k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.87M€1.55M▼
Equity10/15€1.73M€1.52M▼
Contributions10/11€20k€20k=
Reserves13€1.71M€1.50M▼
Distributable reserves133€1.71M€1.50M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€136k€34k▼
Amounts payable within one year42/48€136k€34k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€134k€31k▼
Taxes450/3€134k€31k▼
Remuneration and social security454/9€160€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€971▼
Other operating charges640/8€993€2k▲
Non-recurring operating charges66A€89k€0▼
Gross operating margin9900€145k€136k▼
Operating profit (loss)9901€54k€133k▲
Financial income75/76B€11k€18k▲
Recurring financial income75€11k€18k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€64k€150k▲
Income taxes67/77€42k€55k▲
Profit (loss) for the period9904€22k€95k▲
Profit (loss) for the period to be appropriated9905€22k€95k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€95k▲
Transfer from equity791/2€115k€304k▲
Transfer to equity691/2€22k€95k▲
To other reserves6921€22k€95k▲
Profit to be distributed694/7€115k€304k▲
Return on contributions (dividend)694€115k€304k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (11 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 17.34
Current ratio from 6.62 to 17.34; short-term debt falls from €136k to €34k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €22k ▼98.2%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 6.62
Current ratio from 0.93 to 6.62; short-term debt falls from €150k to €136k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €1.21M ▲863%
Operating result €1.36M, net result €1.21M, both a record.
31-12
Financial
Equity above €1MEq €1.82M ▲143%
6 profitable years in a row build equity to €1.82M.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity triplescurrent ratio 3.04
Current ratio from 1.16 to 3.04; short-term debt falls from €199k to €52k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €516k ▲25%
3 profitable years in a row build equity to €516k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2005
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.
Pater Damiaanstraat 89150 Beveren-Kruibeke-ZwijndrechtGround area
2,181 m²
Building footprint
215 m²
Volume, LiDAR
1,125 m³
2 parcels, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VEFO
since 20052.147.052.735
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46013B0858/00P002 | Flanders | 1,500 m² | 1 · 139 m² | 6.8 m · 2 fl. |
| 46001B0047/00A004 | Flanders | 681 m² | 1 · 75 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 23,226 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.