VH Advisory
ActiveSummary
VH Advisory has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €49k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency53▼-26
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 2.42 in 2024; short-term debt: 55.7% and cash: 10.3% of total assets), and 72.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
27.7%
Return on assets
24.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
6 d late
2024
on the day
2023
30 d early
2022
31 d late
2021
25 d early
2020
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€55k▼ 42.3%
2024 · €95k
2020: €10k
2021: €47k
2022: €55k
2023: €40k
2024: €95k
2020 → 2025
Total assets
€197k▲ 12.3%
2024 · €176k
2020: €33k
2021: €80k
2022: €133k
2023: €169k
2024: €176k
2020 → 2025
Net result
€49k▼ 10.9%
2024 · €55k
2020: €6k
2021: €44k
2022: €21k
2023: €34k
2024: €55k
2020 → 2025
Working capital
€14k▼ 79.4%
2024 · €69k
2020: €12k
2021: €51k
2022: €56k
2023: €25k
2024: €69k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€55k▲ 17.9%€40k▼ 28.4%€95k▲ 138%€55k▼ 42.3%
Operating result€57k-€28k▼ 51.7%€46k▲ 64.5%€77k▲ 68.4%€72k▼ 6.6%
Net result€44k-€21k▼ 52.7%€34k▲ 63.6%€55k▲ 60.5%€49k▼ 10.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€73k ▲ 24.9%
Current assets
€124k ▲ 6.0%
Equity and liabilities €197k
Equity
€55k ▼ 42.3%
Debt
€143k ▲ 76.0%
Debt's share of the balance-sheet total rises from 46.1% to 72.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€80k▼
2024 · €82k
Cash flow
€57k▼
2024 · €60k
Current ratio
1.13▼
2024 · 2.42
Debt to equity
2.61▲
2024 · 0.86
ROE
89.6%▲
2024 · 58.0%
ROA
24.8%▼
2024 · 31.3%
Interest coverage
12.67▼
2024 · 29.82
Debt ≤ 1 year
€110k▲
2024 · €48k
Debt > 1 year
€29k▼
2024 · €33k
Income taxes
€17k▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€176k€197k▲
Fixed assets21/28€59k€73k▲
Tangible fixed assets22/27€59k€73k▲
Land and buildings22€53k€50k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24-€20k
Current assets29/58€117k€124k▲
Amounts receivable within one year40/41€14k€14k▲
Trade receivables40€14k€13k▼
Other amounts receivable41-€881
Current investments50/53€64k€82k▲
Cash at bank and in hand54/58€36k€20k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€176k€197k▲
Equity10/15€95k€55k▼
Contributions10/11€5k€5k=
Reserves13€90k€678▼
Distributable reserves133€90k€678▼
Profit (loss) carried forward14-€49k
Amounts payable17/49€81k€143k▲
Amounts payable after more than one year17€33k€29k▼
Financial debts170/4€33k€29k▼
Amounts payable within one year42/48€48k€110k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43€965€120▼
Credit institutions430/8€965€120▼
Trade debts44€363€5k▲
Suppliers440/4€363€5k▲
Taxes, remuneration and social security45€23k€13k▼
Taxes450/3€23k€13k▼
Other amounts payable47/48€20k€88k▲
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€8k▲
Other operating charges640/8€508€571▲
Gross operating margin9900€82k€80k▼
Operating profit (loss)9901€77k€72k▼
Financial income75/76B€280€470▲
Recurring financial income75€280€470▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€74k€66k▼
Income taxes67/77€19k€17k▼
Profit (loss) for the period9904€55k€49k▼
Profit (loss) for the period to be appropriated9905€55k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€49k▼
Transfer from equity791/2-€89k
Transfer to equity691/2€55k-
To other reserves6921€55k-
Profit to be distributed694/7-€89k
Return on contributions (dividend)694-€89k
The notes to these accounts (6 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €55k ▲60.5%
Operating result €77k, net result €55k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schoten · 1 establishment unit since 2020
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.
Churchilllaan 1512900 SchotenGround area
223 m²
Building footprint
118 m²
Volume, LiDAR
726 m³
Parcel 11442C0305/00G004, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VH Advisory
since 20202.305.335.751
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0305/00G004 | Flanders | 223 m² | 1 · 118 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.
Similar companies · same sector, comparable size
MARK & THINK
BE 0760.356.868
Hoogstraten · Eq €54,663
Sfinx Inside
BE 1001.409.192
Zonnebeke · Eq €54,610
adITo-Solutions
BE 0767.724.316
Halle · Eq €54,607
ArcodeX
BE 0727.623.229
Elsene · Eq €54,724
AHODOS
BE 0737.773.585
Zwevegem · Eq €54,517
Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,855 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
63920Other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.vanhoof.me
E-mail:info@vanhoof.me