VF BIOSCIENCE
ActiveThe computed 12-month bankruptcy probability of VF BIOSCIENCE is 1.9% (moderate). The 2025 annual accounts show equity of €503k and a net result of €126k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 1522 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
Score 2025
68
/ 100
Healthy▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33▼-40
Growth78=
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 2.02 in 2024), and 78.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
21.8%
Return on assets
5.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
5 d early
2023
1 d early
2022
7 d early
2021
5 d early
2020
128 d early
2019
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€503k▲ 5.6%
2024 · €476k
2019: €47k
2020: €103k
2021: €241k
2022: €84k
2023: €327k
2024: €476k
2019 → 2025
Total assets
€2.31M▲ 55.8%
2024 · €1.48M
2019: €181k
2020: €780k
2021: €852k
2022: €1.05M
2023: €1.31M
2024: €1.48M
2019 → 2025
Net result
€126k▼ 15.3%
2024 · €149k
2019: €30k
2020: €56k
2021: €218k
2022: €-157k
2023: €243k
2024: €149k
2019 → 2025
Working capital
€226k▼ 56.0%
2024 · €513k
2019: €44k
2020: €94k
2021: €427k
2022: €120k
2023: €419k
2024: €513k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€241k-€84k▼ 65.0%€327k▲ 289%€476k▲ 45.6%€503k▲ 5.6%
Operating result€307k-€-146k€283k€220k▼ 22.0%€183k▼ 16.8%
Net result€218k-€-157k€243k€149k▼ 38.6%€126k▼ 15.3%
Turnover and EBIT margin not published: the 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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.31M
Fixed assets
€707k▲ 52.2%
Current assets
€1.60M▲ 57.5%
Equity and liabilities €2.31M
Equity
€503k▲ 5.6%
Debt
€1.81M▲ 79.7%
The debt ratio rises from 67.9% to 78.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€240k▼
2024 · €264k
Cash flow
€183k▼
2024 · €193k
Solvency
21.8%▼
2024 · 32.1%
Current ratio
1.16▼
2024 · 2.02
Quick ratio
1.07▼
2024 · 2.00
Debt / equity
3.59▲
2024 · 2.11
ROE
25.2%▼
2024 · 31.3%
ROA
5.5%▼
2024 · 10.1%
Interest coverage
9.18▼
2024 · 12.52
Debt
€1.81M▲
2024 · €1.01M
Debt ≤ 1 year
€1.38M▲
2024 · €504k
Debt > 1 year
€429k▼
2024 · €501k
Income taxes
€39k▼
2024 · €51k
Staff costs
€29k
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€1.48M€2.31M▲
Fixed assets21/28€464k€707k▲
Tangible fixed assets22/27€463k€705k▲
Land and buildings22€252k€240k▼
Plant, machinery and equipment23€18k€23k▲
Furniture and vehicles24€36k€40k▲
Other tangible fixed assets26€158k€403k▲
Financial fixed assets28€2k€2k=
Current assets29/58€1.02M€1.60M▲
Stocks and contracts in progress3€8k€127k▲
Stocks30/36€8k€127k▲
Amounts receivable within one year40/41€734k€1.28M▲
Trade receivables40€538k€643k▲
Other amounts receivable41€196k€633k▲
Current investments50/53€831-
Cash at bank and in hand54/58€207k€153k▼
Deferred charges and accrued income490/1€67k€46k▼
Equity and liabilities
Total equity and liabilities10/49€1.48M€2.31M▲
Equity10/15€476k€503k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€458k€484k▲
Amounts payable17/49€1.01M€1.81M▲
Amounts payable after more than one year17€501k€429k▼
Financial debts170/4€501k€429k▼
Amounts payable within one year42/48€504k€1.38M▲
Current portion of amounts payable after more than one year42€113k€114k▲
Trade debts44€389k€1.16M▲
Suppliers440/4€389k€1.16M▲
Taxes, remuneration and social security45-€4k
Remuneration and social security454/9-€4k
Other amounts payable47/48€3k€103k▲
Accrued charges and deferred income492/3€174€499▲
Income statement
Code20242025
Non-recurring operating income76A-€911
Remuneration, social security and pensions62-€29k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€56k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€5k
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€2k€1k▼
Gross operating margin9900€269k€277k▲
Operating profit (loss)9901€220k€183k▼
Financial income75/76B€1k€8k▲
Recurring financial income75€1k€8k▲
Financial charges65/66B€21k€26k▲
Recurring financial charges65€21k€26k▲
Profit (loss) for the period before taxes9903€201k€166k▼
Income taxes67/77€51k€39k▼
Profit (loss) for the period9904€149k€126k▼
Profit (loss) for the period to be appropriated9905€149k€126k▼
Appropriation of the result
Profit (loss) to be appropriated9906€458k€584k▲
Profit (loss) brought forward from the previous period14P€308k€458k▲
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
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
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €500kEq €503k ▲5.6%
3 profitable years in a row build equity to €503k.
26-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €243k
Net result €243k after one loss-making year.
30-06
Financial
Equity above €200kEq €327k ▲289%
Equity rises from €84k to €327k.
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-157k ▼172%
Net result drops to €-157k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €241k ▲134%
3 profitable years in a row build equity to €241k.
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Equity above €100kEq €103k ▲120%
2 profitable years in a row build equity to €103k.
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Elsene · 2 establishment units 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.
Waaglaan 611050 ElseneGround area
3,532 m²
Building footprint
1,042 m²
Volume, LiDAR
14,523 m³
2 parcels, Brussels, Flanders · tallest building 20.9 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
VF Bioscience Belgium
since 20152.246.750.226
Jeugdsquare(LIN) 1, 3210 Lubbeek
since 20212.318.399.869
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063A0044/00E000 | Flanders | 2,455 m² | 1 · 299 m² | 8.1 m · 2 fl. |
| 21446D0182/00C006 | Brussels | 1,078 m² | 1 · 743 m² | 20.9 m · 6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteElsene2.246.750.226
Legal Entity Identifier
894500FSAWVXFWXI0I62
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Of 87 companies in sector 10860 we hold annual accounts for 47. 27 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2015
Fiscal year end30-06
Activities, NACEBEL
10860Manufacture of food products
46389Wholesale of other food products
10890Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.