Vesper
ActiveVesper 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 €170k and a net result of €34k. Equity is growing by ~240.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 5487 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
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 · 7 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
4 d early
2022
4 d early
2021
10 d late
2020
30 d late
2019
29 d late
← 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 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€170k▲ 24.9%
2024 · €136k
2019: €-2k
2020: €-642
2021: €6k
2022: €-14k
2023: €104k
2024: €136k
2019 → 2025
Net result
€34k▲ 3.5%
2024 · €33k
2019: €-8k
2020: €1k
2021: €7k
2022: €-20k
2023: €117k
2024: €33k
2019 → 2025
Total assets
€277k▲ 9.5%
2024 · €253k
2019: €62k
2020: €59k
2021: €72k
2022: €64k
2023: €260k
2024: €253k
2019 → 2025
Solvency
61.5%▲ 7.6pp
2024 · 54.0%
2019: -2.7%
2020: -1.1%
2021: 8.6%
2022: -21.5%
2023: 39.9%
2024: 54.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€-14k€104k€136k▲ 31.6%€170k▲ 24.9%
Operating result€11k-€-19k€162k€45k▼ 72.4%€47k▲ 5.9%
Net result€7k-€-20k€117k€33k▼ 72.1%€34k▲ 3.5%
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 recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €277k
Fixed assets
€34k▼ 0.6%
Current assets
€242k▲ 11.1%
Equity and liabilities €277k
Equity
€170k▲ 24.9%
Debt
€106k▼ 8.6%
The debt ratio falls from 46.0% to 38.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
61.5%▲
2024 · 54.0%
ROE
19.9%▼
2024 · 24.0%
ROA
12.3%▼
2024 · 13.0%
Debt
€106k▼
2024 · €116k
Debt ≤ 1 year
€104k▼
2024 · €115k
Income taxes
€14k▲
2024 · €11k
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€253k€277k▲
Fixed assets21/28€35k€34k▼
Tangible fixed assets22/27€35k€34k▼
Land and buildings22€24k€21k▼
Plant, machinery and equipment23€631€2k▲
Furniture and vehicles24€10k€8k▼
Other tangible fixed assets26-€5k
Current assets29/58€218k€242k▲
Amounts receivable within one year40/41€212k€224k▲
Trade receivables40€163k€168k▲
Other amounts receivable41€49k€56k▲
Cash at bank and in hand54/58€1,000€12k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€253k€277k▲
Equity10/15€136k€170k▲
Contributions10/11€6k€6k=
Reserves13€130k€164k▲
Tax-exempt reserves132€21k€21k=
Distributable reserves133€109k€143k▲
Amounts payable17/49€116k€106k▼
Amounts payable within one year42/48€115k€104k▼
Financial debts43€110€309▲
Credit institutions430/8€110€309▲
Trade debts44€30k€31k▲
Suppliers440/4€30k€31k▲
Taxes, remuneration and social security45€20k€13k▼
Taxes450/3€20k€13k▼
Other amounts payable47/48€65k€60k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€884€860▼
Gross operating margin9900€50k€54k▲
Operating profit (loss)9901€45k€47k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€44k€48k▲
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€33k€34k▲
Transfer to tax-exempt reserves689€21k€0▼
Profit (loss) for the period to be appropriated9905€12k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€34k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€12k€34k▲
To other reserves6921€12k€34k▲
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Equity above €150kEq €170k ▲24.9%
3 profitable years in a row build equity to €170k.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Back to profitnet €117k
Net result €117k after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 1.56
Current ratio from 0.56 to 1.56.
31-03
Financial
Equity above €100kEq €104k
Equity rises from €-14k to €104k.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-20k ▼395%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
31-03
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2022
Dewinter Pieter
CurrentNon-statutory director · since 12-12-2022
12-12-2022
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Deinze · 1 establishment unit since 2018
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.
Ooidonkdreef 39800 DeinzeGround area
1,234 m²
Building footprint
174 m²
Volume, LiDAR
1,375 m³
Parcel 44006B0337/00E000, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vesper
since 20182.274.631.291
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44006B0337/00E000 | Flanders | 1,234 m² | 1 · 174 m² | 11.6 m · 3 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.
Similar companies · same sector, comparable size
AMPHIKTION
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MICHVER
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Sodika
BE 0816.556.985
Mol · Eq €170k
Go Sense
BE 0770.792.286
Merelbeke-Melle · Eq €170k
TISEAU
BE 0797.673.362
Harelbeke · Eq €170k
Of 24,641 companies in sector 64210 we hold annual accounts for 19,693. 13,364 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2018
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.