VF-ML
ActiveVF-ML has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €2k. Its solvency ranks better than 50% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability70
Solvency67
Growth-
Track record79
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.03; short-term debt: 14.7% and cash: 4.1% of total assets), and 58.4% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
41.6%
Return on assets
1.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€62k
Total assets
€149k
Net result
€2k
Working capital
€606
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €149k
Fixed assets
€126k
Current assets
€22k
Equity and liabilities €149k
Equity
€62k
Debt
€87k
Debt finances 58.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€15k
Cash flow
€12k
Solvency
41.6%
Current ratio
1.03
Quick ratio
1.03
Debt / equity
1.40
ROE
2.9%
ROA
1.2%
Interest coverage
157.54
Debt
€87k
Debt ≤ 1 year
€22k
Debt > 1 year
€65k
Income taxes
€3k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€149k
Fixed assets21/28€126k
Tangible fixed assets22/27€126k
Land and buildings22€95k
Plant, machinery and equipment23€30k
Furniture and vehicles24€1k
Current assets29/58€22k
Amounts receivable within one year40/41€16k
Trade receivables40€16k
Other amounts receivable41€81
Cash at bank and in hand54/58€6k
Deferred charges and accrued income490/1€0
Equity and liabilities
Total equity and liabilities10/49€149k
Equity10/15€62k
Contributions10/11€1k
Reserves13€61k
Distributable reserves133€61k
Amounts payable17/49€87k
Amounts payable after more than one year17€65k
Financial debts170/4€65k
Amounts payable within one year42/48€22k
Trade debts44€6k
Suppliers440/4€6k
Taxes, remuneration and social security45€9k
Taxes450/3€9k
Other amounts payable47/48€6k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k
Other operating charges640/8€513
Gross operating margin9900€16k
Operating profit (loss)9901€5k
Financial income75/76B€3
Recurring financial income75€3
Financial charges65/66B€96
Recurring financial charges65€96
Profit (loss) for the period before taxes9903€5k
Income taxes67/77€3k
Profit (loss) for the period9904€2k
Profit (loss) for the period to be appropriated9905€2k
Appropriation of the result
Profit (loss) to be appropriated9906€2k
Transfer to equity691/2€2k
To other reserves6921€2k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Hooglede · 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.
Grijspeerdstraat 188830 HoogledeGround area
1,189 m²
Building footprint
181 m²
Volume, LiDAR
989 m³
Parcel 36005D0054/00V000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VF-ML
since 20232.341.279.102
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36005D0054/00V000 | Flanders | 1,189 m² | 1 · 181 m² | 6.8 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.
Similar companies · same sector, comparable size
DE WILDE TOM
BE 0829.658.420
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BLAST-IT
BE 1012.572.112
Manhay · Eq €62k
Pascal Verloove
BE 0828.027.335
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Coupures de Presse
BE 0465.403.327
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PRO WORX
BE 0798.294.954
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,964 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded03-01-2023
Fiscal year end30-09
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.