VERSPEEK SERVICES & CONSULTANCY
ActiveVERSPEEK SERVICES & CONSULTANCY has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €18k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+5
Solvency48▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.91 against 1.06 in 2024; short-term debt: 37.5% and cash: 3.2% of total assets), and 77.5% 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 →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 25%
← weakest
strongest →
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 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
26 d late
2023
8 d early
2022
5 d early
2021
19 d late
2020
17 d early
2019
1 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
€60k▲ 43.8%
2024 · €42k
2019: €18k
2020: €10k
2021: €32k
2022: €43k
2023: €36k
2024: €42k
2019 → 2025
Total assets
€267k▲ 22.8%
2024 · €217k
2019: €254k
2020: €211k
2021: €205k
2022: €201k
2023: €218k
2024: €217k
2019 → 2025
Net result
€18k▲ 197%
2024 · €6k
2019: €-7k
2020: €-8k
2021: €22k
2022: €11k
2023: €-7k
2024: €6k
2019 → 2025
Working capital
€-9k
2024 · €5k
2019: €-19k
2020: €-31k
2021: €-12k
2022: €-2k
2023: €-3k
2024: €5k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€43k▲ 34.1%€36k▼ 16.6%€42k▲ 17.3%€60k▲ 43.8%
Operating result€25k-€14k▼ 43.8%€-4k€16k€33k▲ 113%
Net result€22k-€11k▼ 50.2%€-7k€6k€18k▲ 197%
Turnover and EBIT margin not published: the 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 113% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €267k
Fixed assets
€176k▲ 35.2%
Current assets
€91k▲ 4.4%
Equity and liabilities €267k
Equity
€60k▲ 43.8%
Debt
€207k▲ 17.8%
The debt ratio falls from 80.8% to 77.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51k▲
2024 · €29k
Cash flow
€36k▲
2024 · €20k
Solvency
22.5%▲
2024 · 19.2%
Current ratio
0.91▼
2024 · 1.06
Quick ratio
0.91▼
2024 · 1.06
Debt / equity
3.44▼
2024 · 4.20
ROE
30.4%▲
2024 · 14.7%
ROA
6.9%▲
2024 · 2.8%
Interest coverage
9.07▲
2024 · 6.21
Debt
€207k▲
2024 · €176k
Debt ≤ 1 year
€100k▲
2024 · €82k
Debt > 1 year
€104k▲
2024 · €91k
Income taxes
€9k▲
2024 · €5k
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€217k€267k▲
Fixed assets21/28€130k€176k▲
Tangible fixed assets22/27€130k€176k▲
Land and buildings22€118k€110k▼
Plant, machinery and equipment23€358€0▼
Furniture and vehicles24€1k€55k▲
Other tangible fixed assets26€10k€12k▲
Current assets29/58€87k€91k▲
Amounts receivable within one year40/41€76k€81k▲
Trade receivables40€73k€78k▲
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€10k€9k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€217k€267k▲
Equity10/15€42k€60k▲
Contributions10/11€19k€19k=
Reserves13€23k€42k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€21k€40k▲
Amounts payable17/49€176k€207k▲
Amounts payable after more than one year17€91k€104k▲
Financial debts170/4€91k€104k▲
Amounts payable within one year42/48€82k€100k▲
Current portion of amounts payable after more than one year42€9k€23k▲
Trade debts44€34k€15k▼
Suppliers440/4€34k€15k▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€31k€51k▲
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€18k▲
Other operating charges640/8€6k€6k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€35k€57k▲
Operating profit (loss)9901€16k€33k▲
Financial income75/76B€185€22▼
Recurring financial income75€185€22▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€11k€28k▲
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€6k€18k▲
Profit (loss) for the period to be appropriated9905€6k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€18k▲
Transfer from equity791/2€0-
Transfer to equity691/2€6k€18k▲
To other reserves6921€6k€18k▲
The notes to these accounts (9 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
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
31-03
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
19-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
31-03
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
16-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-10
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
2 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, Vorselaar · 1 establishment unit since 2002
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.
Moleneinde 372290 VorselaarGround area
1,494 m²
Building footprint
164 m²
Volume, LiDAR
1,025 m³
Parcel 13044E0033/00D005, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Moleneinde 37, 2290 Vorselaar
since 20022.116.658.279
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13044E0033/00D005 | Flanders | 1,494 m² | 1 · 164 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 394 EUR awarded · 394 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 221 EUR | 221 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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,013 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-10-2001
Fiscal year end31-03
Abbreviation NL
V.S.C.
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
72100
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72220
72300
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.