VFUDGY
ActiveVFUDGY has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show equity of €16k and a net result of €-15k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 34232 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2023
2
/ 100
Critical▼ -13 vs 2022
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability0=
Solvency13▼-43
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.4 against 0.4 in 2022), and 80.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
19.5%
Return on assets
-19.3%
Age of the figures
32 mo
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 · Persistent losses
Two consecutive loss-making years (2022 and 2023); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2023Net result per financial year
181920212223
2018 to 2023 · latest year -€15k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 34232 sector peers (2023).
NBB · sector comparisonPosition among 34232 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline15-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 31-10-2024, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
92 d late
2022
66 d late
2021
31 d late
2020
31 d late
2019
73 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-15k▼ 265%
2022 · €-4k
2018: €8k
2019: €190
2020: €8k
2021: €-890
2022: €-4k
2018 → 2023
Working capital
€-33k▼ 89.5%
2022 · €-17k
2018: €-24k
2019: €-24k
2020: €-17k
2021: €-13k
2022: €-17k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€29k-€36k▲ 26.6%€35k▼ 3.5%€31k▼ 12.0%€16k▼ 49.8%
Operating result€-4k-€8k€854▼ 89.5%€-4k€-15k▼ 292%
Net result€190-€8k▲ 3,942%€-890€-4k▼ 375%€-15k▼ 265%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2023 against €4k in 2022; the loss grows and 2023 is the lowest year so far.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €80k
Fixed assets
€58k▼ 0.1%
Current assets
€22k▲ 89.5%
Equity and liabilities €80k
Equity
€16k▼ 49.8%
Debt
€64k▲ 66.2%
The debt ratio rises from 55.5% to 80.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-15k▼
2022 · €-4k
Cash flow
€-15k▼
2022 · €-4k
Solvency
19.5%▼
2022 · 44.5%
Current ratio
0.40=
2022 · 0.40
Quick ratio
0.40=
2022 · 0.40
Debt / equity
4.14▲
2022 · 1.25
ROE
-99.2%▼
2022 · -13.6%
ROA
-19.3%▼
2022 · -6.1%
Interest coverage
-53.72▼
2022 · -52.39
Debt
€64k▲
2022 · €39k
Debt ≤ 1 year
€54k▲
2022 · €29k
Debt > 1 year
€10k=
2022 · €10k
Income taxes
€-18▼
2022 · €311
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€70k€80k▲
Fixed assets21/28€58k€58k▼
Tangible fixed assets22/27€51-
Plant, machinery and equipment23€51-
Financial fixed assets28€58k€58k=
Current assets29/58€11k€22k▲
Amounts receivable within one year40/41€3k€21k▲
Trade receivables40€2k€19k▲
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€17€261▲
Deferred charges and accrued income490/1€8k€926▼
Equity and liabilities
Total equity and liabilities10/49€70k€80k▲
Equity10/15€31k€16k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€11k€-5k▼
Amounts payable17/49€39k€64k▲
Amounts payable after more than one year17€10k€10k=
Other amounts payable178/9€10k€10k=
Amounts payable within one year42/48€29k€54k▲
Trade debts44€15k€42k▲
Suppliers440/4€15k€42k▲
Taxes, remuneration and social security45€2k€282▼
Taxes450/3€2k€282▼
Other amounts payable47/48€12k€12k▼
Accrued charges and deferred income492/3€39€11▼
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€219€51▼
Other operating charges640/8€717€1k▲
Gross operating margin9900€-3k€-14k▼
Operating profit (loss)9901€-4k€-15k▼
Financial income75/76B€30€0▼
Recurring financial income75€30€0▼
Financial charges65/66B€70€281▲
Recurring financial charges65€70€281▲
Profit (loss) for the period before taxes9903€-4k€-15k▼
Income taxes67/77€311€-18▼
Profit (loss) for the period9904€-4k€-15k▼
Profit (loss) for the period to be appropriated9905€-4k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-5k▼
Profit (loss) brought forward from the previous period14P€15k€11k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
07-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
26-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
12-02
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Pont-à-Celles · 1 establishment unit since 2006
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.
Rue de Thiméon(VIE) 206230 Pont-à-CellesGround area
433 m²
Building footprint
69 m²
Volume, LiDAR
563 m³
Parcel 52067A0583/00G000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VFUDGY
since 20062.153.731.283
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52067A0583/00G000 | Wallonia | 433 m² | 1 · 69 m² | 9.4 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.
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SoluConsult
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 27,758 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-05-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
13929Manufacture of textiles
46190Agents in non-specialised wholesale trade
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.