VEMIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €154k and a net result of €69k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 51% of 8018 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
on the day
2022
63 d early
2021
26 d early
2020
2 d early
2019
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k▲ 82.3%
2024 · €84k
2019: €70k
2020: €22k
2021: €66k
2022: €88k
2023: €102k
2024: €84k
2019 → 2025
Net result
€69k▼ 15.6%
2024 · €82k
2019: €31k
2020: €55k
2021: €60k
2022: €34k
2023: €84k
2024: €82k
2019 → 2025
Total assets
€295k▲ 21.5%
2024 · €243k
2019: €110k
2020: €95k
2021: €95k
2022: €118k
2023: €191k
2024: €243k
2019 → 2025
Solvency
52.0%▲ 17.4pp
2024 · 34.7%
2019: 63.6%
2020: 23.3%
2021: 69.5%
2022: 74.7%
2023: 53.6%
2024: 34.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€88k▲ 33.2%€102k▲ 15.7%€84k▼ 17.5%€154k▲ 82.3%
Operating result€72k-€44k▼ 39.2%€106k▲ 142%€104k▼ 2.3%€88k▼ 15.5%
Net result€60k-€34k▼ 43.6%€84k▲ 147%€82k▼ 2.0%€69k▼ 15.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295k
Fixed assets
€109k▼ 5.4%
Current assets
€186k▲ 45.6%
Equity and liabilities €295k
Equity
€154k▲ 82.3%
Debt
€142k▼ 10.8%
The debt ratio falls from 65.3% to 48.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
52.0%▲
2024 · 34.7%
ROE
45.1%▼
2024 · 97.5%
ROA
23.5%▼
2024 · 33.8%
Debt
€142k▼
2024 · €159k
Debt ≤ 1 year
€103k▼
2024 · €119k
Debt > 1 year
€30k▼
2024 · €39k
Income taxes
€17k▼
2024 · €22k
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€243k€295k▲
Fixed assets21/28€115k€109k▼
Tangible fixed assets22/27€86k€68k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€78k€62k▼
Financial fixed assets28€29k€41k▲
Current assets29/58€128k€186k▲
Amounts receivable within one year40/41€24k€25k▲
Trade receivables40€20k€20k=
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€101k€159k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€243k€295k▲
Equity10/15€84k€154k▲
Contributions10/11€19k€19k=
Reserves13€66k€135k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€66k€135k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€159k€142k▼
Amounts payable after more than one year17€39k€30k▼
Financial debts170/4€39k€30k▼
Amounts payable within one year42/48€119k€103k▼
Financial debts43€9k€10k▲
Credit institutions430/8€9k€10k▲
Trade debts44€624€755▲
Suppliers440/4€624€755▲
Taxes, remuneration and social security45€7k€10k▲
Taxes450/3€7k€10k▲
Other amounts payable47/48€102k€83k▼
Accrued charges and deferred income492/3-€9k
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€18k▲
Other operating charges640/8€2k€843▼
Gross operating margin9900€110k€106k▼
Operating profit (loss)9901€104k€88k▼
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€688€5k▲
Recurring financial charges65€688€5k▲
Profit (loss) for the period before taxes9903€104k€86k▼
Income taxes67/77€22k€17k▼
Profit (loss) for the period9904€82k€69k▼
Profit (loss) for the period to be appropriated9905€82k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€69k▼
Transfer from equity791/2€80k€0▼
Transfer to equity691/2€62k€69k▲
To other reserves6921€62k€69k▲
Profit to be distributed694/7€100k€0▼
Return on contributions (dividend)694€100k€0▼
The notes to these accounts (10 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €150kEq €154k ▲82.3%
7 profitable years in a row build equity to €154k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Highest result since 2019net €84k ▲147%
Operating result €106k, net result €84k, both a record.
31-03
Financial
Equity above €100kEq €102k ▲15.7%
5 profitable years in a row build equity to €102k.
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 2.84
Current ratio from 1.13 to 2.84; short-term debt falls from €73k to €29k.
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
20-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Destelbergen · 1 establishment unit since 2015
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.
Groenstraat 39070 DestelbergenGround area
719 m²
Building footprint
135 m²
Parcel 44333G0269/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
VEMIS
since 20152.241.972.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44333G0269/00L000 | Flanders | 719 m² | 1 · 135 m² | - |
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 2025 · 4 entries · 404 EUR awarded · 404 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 81 EUR | 81 EUR |
| 2024 | 1 | 79 EUR | 79 EUR |
| 2023 | 1 | 71 EUR | 71 EUR |
| 2022 | 1 | 173 EUR | 173 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 807 companies in sector 64999 we hold annual accounts for 484. 323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-05-2015
Fiscal year end31-03
Activities, NACEBEL
64999Other financial services
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.