VENCERA
ActiveVENCERA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €12k. Equity is growing by ~57.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency72▲+12
Growth78▲+26
Stability82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.23 in 2024), and 56.5% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
43.5%
Return on assets
19.4%
Age of the figures
8 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 14-08-2026, 14 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 · 3 filingsDeviation from the deadline
2025
14 d late
2024
28 d late
2023
on the day
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 80.5%
2024 · €15k
2023: €10k
2024: €15k
2023 → 2025
Total assets
€62k▲ 45.0%
2024 · €43k
2023: €26k
2024: €43k
2023 → 2025
Net result
€12k▲ 128%
2024 · €5k
2023: €8k
2024: €5k
2023 → 2025
Working capital
€10k▲ 53.8%
2024 · €6k
2023: €5k
2024: €6k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€15k▲ 54.6%€27k▲ 80.5%
Operating result€11k-€9k▼ 15.7%€16k▲ 80.9%
Net result€8k-€5k▼ 35.4%€12k▲ 128%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 81% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€17k▲ 99.8%
Current assets
€45k▲ 31.0%
Equity and liabilities €62k
Equity
€27k▲ 80.5%
Debt
€35k▲ 25.9%
The debt ratio falls from 65.0% to 56.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€18k▲
2024 · €10k
Cash flow
€13k▲
2024 · €6k
Solvency
43.5%▲
2024 · 35.0%
Current ratio
1.28▲
2024 · 1.23
Quick ratio
1.28▲
2024 · 1.23
Debt / equity
1.30▼
2024 · 1.86
ROE
44.6%▲
2024 · 35.3%
ROA
19.4%▲
2024 · 12.4%
Interest coverage
12.94▲
2024 · 11.34
Debt
€35k▲
2024 · €28k
Debt ≤ 1 year
€35k▲
2024 · €28k
Income taxes
€4k▲
2024 · €3k
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€43k€62k▲
Fixed assets21/28€9k€17k▲
Intangible fixed assets21€7k€6k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28-€10k
Current assets29/58€34k€45k▲
Amounts receivable within one year40/41€26k€44k▲
Trade receivables40€10k€10k▲
Other amounts receivable41€16k€34k▲
Cash at bank and in hand54/58€8k€806▼
Deferred charges and accrued income490/1€246€0▼
Equity and liabilities
Total equity and liabilities10/49€43k€62k▲
Equity10/15€15k€27k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€13k€25k▲
Amounts payable17/49€28k€35k▲
Amounts payable within one year42/48€28k€35k▲
Financial debts43€132€75▼
Credit institutions430/8€132€75▼
Trade debts44€10k€15k▲
Suppliers440/4€10k€15k▲
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€18k€14k▼
Taxes450/3€18k€14k▼
Remuneration and social security454/9€0-
Other amounts payable47/48-€210
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€707€898▲
Gross operating margin9900€11k€19k▲
Operating profit (loss)9901€9k€16k▲
Financial income75/76B€494€1k▲
Recurring financial income75€494€1k▲
Financial charges65/66B€895€1k▲
Recurring financial charges65€895€1k▲
Profit (loss) for the period before taxes9903€9k€16k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€5k€12k▲
Profit (loss) for the period to be appropriated9905€5k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€25k▲
Profit (loss) brought forward from the previous period14P€8k€13k▲
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
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Highest result since 2023net €12k ▲128%
Operating result €16k, net result €12k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €5k ▼35.4%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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 2023
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.
Rubensstraat 92550 KontichGround area
1,552 m²
Building footprint
642 m²
Volume, LiDAR
8,154 m³
Parcel 11024B0274/00F000, Flanders · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
VENCERA
since 20232.351.026.612
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0274/00F000 | Flanders | 1,552 m² | 1 · 642 m² | 15.8 m · 5 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 82,215 companies in sector 70200 we hold annual accounts for 52,392. 33,451 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46341Wholesale of wines and spirits
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.