VH4U

Active

Private limited companyfounded 20206 yrs activeAardenburgseweg 3, 8310 Brugge, BelgiumKBO/BCE: BE 0741.549.756

Summary

VH4U has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128,201 and a net result of €128,664. Equity is shrinking by ~10.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

VH4UActiveChecked score 88/100

Risk analysis Report Compare

Activity

Public relations and communication consultancy

NACE 73300NACE 70210

1 site

Size

€259,833total assets 2025

Equity: €128,201
Profit: €128,664

Turnover not published (abridged schema)

Financial health

88 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Accounts 46 d early0 of 1 deed read

Why 88- Figures for FY 2024 (filed 02-09-2025)+ Liquidity: current ratio 10.43, cash €63,849, halved+ Equity €128,201 (89.2% of total assets)+ Sector Advertising, market research and public relations activities (NACE 73)Show the evidence

Checked score

Score 2025

88 / 100

Excellent

Probability in this band: under 0.55%

Better than 70% of its sector peers (NACE 73, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 74-26

equity 49.3% of total assets

Liquidity 64-36

short-term debt 50.7% · cash 31.7%

Profitability 100=

return on assets 49.5%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,109 companies)

Last 23 months 12-2024: < 0.1% 01-2025: < 0.1%▼ -6.3% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%● 0.0% vs 02-2025lowest value 04-2025: < 0.1%● 0.0% vs 03-2025lowest value 05-2025: < 0.1%▲ +3.3% vs 04-2025 06-2025: < 0.1%▲ +3.2% vs 05-2025 07-2025: < 0.1%▲ +3.1% vs 06-2025 08-2025: < 0.1%▲ +48.5% vs 07-2025 09-2025: 0.1%▲ +40.8% vs 08-2025 10-2025: < 0.1%▼ -31.9% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +8.5% vs 03-2026 05-2026: 0.1%▼ -2.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: 0.1%▲ +8.0% vs 06-2026 08-2026: 0.1%▲ +87.0% vs 07-2026 09-2026: 0.1%▲ +35.6% vs 08-2026 10-2026: 0.3%▲ +121% vs 09-2026highest value

Figures for FY 2024 (filed 02-09-2025) raises the probability
Liquidity: current ratio 10.43, cash €63,849, halved lowers the probability
Equity €128,201 (89.2% of total assets) lowers the probability
Sector Advertising, market research and public relations activities (NACE 73) lowers the probability

Credit up to €11,000 at 30 days acceptable

Liquidity ample (current ratio 1.96 against 10.43 in 2024; short-term debt: 50.7% and cash: 31.7% of total assets), but 50.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 73, micro). Better than this share of them on solvency 87%, liquidity 97%, profitability 88%, growth against the median 9%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Figures for FY 2024 (filed 02-09-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Liquidity: current ratio 10.43, cash €63,849, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Equity €128,201 (89.2% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Advertising, market research and public relations activities (NACE 73)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-06-2026, 46 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

46 d early

2024

27 d late

2023

2 d early

2022

22 d late

2021

25 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 22 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage