VH Consult 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 €230k and a net result of €119k. Equity is growing by ~38.3% per year across the filed fiscal years. Its solvency ranks better than 37% of 8018 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
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 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
35 d early
2023
9 d early
2022
33 d early
2021
3 d early
2020
16 d early
2019
36 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€230k▲ 107%
2024 · €111k
2019: €22k
2020: €46k
2021: €107k
2022: €145k
2023: €86k
2024: €111k
2019 → 2025
Net result
€119k▲ 381%
2024 · €25k
2019: €15k
2020: €24k
2021: €61k
2022: €39k
2023: €69k
2024: €25k
2019 → 2025
Total assets
€660k▲ 15.2%
2024 · €573k
2019: €65k
2020: €108k
2021: €169k
2022: €273k
2023: €504k
2024: €573k
2019 → 2025
Solvency
34.9%▲ 15.5pp
2024 · 19.4%
2019: 33.3%
2020: 42.0%
2021: 63.3%
2022: 53.3%
2023: 17.2%
2024: 19.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€145k▲ 36.4%€86k▼ 40.6%€111k▲ 28.6%€230k▲ 107%
Operating result€81k-€45k▼ 44.4%€87k▲ 92.8%€47k▼ 45.9%€166k▲ 254%
Net result€61k-€39k▼ 36.6%€69k▲ 77.9%€25k▼ 64.2%€119k▲ 381%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 254% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €660k
Fixed assets
€559k▲ 8.5%
Current assets
€101k▲ 74.2%
Equity and liabilities €660k
Equity
€230k▲ 107%
Debt
€430k▼ 6.9%
The debt ratio falls from 80.6% to 65.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
34.9%▲
2024 · 19.4%
ROE
51.7%▲
2024 · 22.3%
ROA
18.0%▲
2024 · 4.3%
Debt
€430k▼
2024 · €462k
Debt ≤ 1 year
€101k▼
2024 · €154k
Debt > 1 year
€325k▲
2024 · €305k
Income taxes
€36k▲
2024 · €7k
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€573k€660k▲
Fixed assets21/28€515k€559k▲
Tangible fixed assets22/27€515k€559k▲
Land and buildings22€154k€156k▲
Plant, machinery and equipment23€41k€182k▲
Furniture and vehicles24€321k€213k▼
Other tangible fixed assets26-€7k
Current assets29/58€58k€101k▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€8k€14k▲
Trade receivables40€5k€0▼
Other amounts receivable41€3k€14k▲
Current investments50/53€7k€0▼
Cash at bank and in hand54/58€41k€87k▲
Deferred charges and accrued income490/1€2k€825▼
Equity and liabilities
Total equity and liabilities10/49€573k€660k▲
Equity10/15€111k€230k▲
Contributions10/11€19k€19k=
Reserves13€93k€212k▲
Distributable reserves133€93k€212k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€462k€430k▼
Amounts payable after more than one year17€305k€325k▲
Financial debts170/4€305k€325k▲
Amounts payable within one year42/48€154k€101k▼
Current portion of amounts payable after more than one year42€65k€61k▼
Financial debts43€3k€3k▲
Credit institutions430/8€3k€3k▲
Other loans439€0-
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€15k€6k▼
Taxes450/3€15k€6k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€70k€30k▼
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€429€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90k€108k▲
Other operating charges640/8€845€3k▲
Non-recurring operating charges66A-€12k
Gross operating margin9900€138k€289k▲
Operating profit (loss)9901€47k€166k▲
Financial income75/76B€16€6▼
Recurring financial income75€16€6▼
Non-recurring financial income76B€0-
Financial charges65/66B€15k€12k▼
Recurring financial charges65€15k€12k▼
Profit (loss) for the period before taxes9903€32k€155k▲
Income taxes67/77€7k€36k▲
Profit (loss) for the period9904€25k€119k▲
Profit (loss) for the period to be appropriated9905€25k€119k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€119k▲
Transfer from equity791/2€0-
Transfer to equity691/2€25k€119k▲
To other reserves6921€25k€119k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €119k ▲381%
Operating result €166k, net result €119k, both a record.
31-12
Financial
Equity above €200kEq €230k ▲107%
7 profitable years in a row build equity to €230k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €111k ▲28.6%
6 profitable years in a row build equity to €111k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €107k ▲134%
3 profitable years in a row build equity to €107k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Heist-op-den-Berg · 1 establishment unit since 2019
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.
Heksestraat(ITE) 882222 Heist-op-den-BergGround area
425 m²
Building footprint
150 m²
Parcel 12017B0586/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
VH Consult
since 20192.284.110.468
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12017B0586/00Y000 | Flanders | 424 m² | 1 · 150 m² | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 439 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 439 EUR | 0 EUR |
Schemes
Schadevergoeding van de overheid
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,573 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
47400Retail sale of information and communication equipment
47430Retail trade
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
71112Activities of interior architects
73300Public relations and communication consultancy
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress 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.
Contact details
2 entriesE-mail:jan.verbeek@medacta.be
Phone:030000000