VHB SERVICES

Active

Private limited companyfounded 20233 yrs activeLindelaan(Z) 70, 8550 Zwevegem, BelgiumKBO/BCE: BE 0797.366.427

VHB SERVICES has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €34k. Equity is growing by ~47.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

89 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability98▲+3

Solvency92▲+21

Growth52=

Track record94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity ample (current ratio 2.09 against 1.13 in 2024; short-term debt: 24.2% and cash: 36.9% of total assets), and 32.7% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

67.3%

Return on assets

23.4%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-04-2026, 106 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

106 d early

2024

47 d early

2023

50 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 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

Financials · fiscal year 2025, micro schema

Equity

€99k▲ 51.4%

2024 · €65k

2023: €37k 2024: €65k

2023 → 2025

Total assets

€147k▲ 3.1%

2024 · €142k

2023: €106k 2024: €142k

2023 → 2025

Net result

€34k▲ 17.0%

2024 · €29k

2023: €35k 2024: €29k

2023 → 2025

Working capital

€39k▲ 464%

2024 · €7k

2023: €19k 2024: €7k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€37k-€65k▲ 77.5%€99k▲ 51.4%

Operating result€53k-€40k▼ 24.1%€45k▲ 13.1%

Net result€35k-€29k▼ 16.3%€34k▲ 17.0%

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 13% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €147k

49.4%

50.6%

Fixed assets €73k▼ 12.9%

Current assets €74k▲ 25.6%

Equity and liabilities €147k

67.3%

32.7%

Equity €99k▲ 51.4%

Debt €48k▼ 37.8%

The debt ratio falls from 54.2% to 32.7%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€69k▲

2024 · €60k

Cash flow

€58k▲

2024 · €49k

Solvency

67.3%▲

2024 · 45.8%

Current ratio

2.09▲

2024 · 1.13

Quick ratio

2.09▲

2024 · 1.13

Debt / equity

0.49▼

2024 · 1.18

ROE

34.8%▼

2024 · 45.0%

ROA

23.4%▲

2024 · 20.6%

Interest coverage

36.37▲

2024 · 24.42

Debt

€48k▼

2024 · €77k

Debt ≤ 1 year

€36k▼

2024 · €52k

Debt > 1 year

€12k▼

2024 · €25k

Income taxes

€9k▲

2024 · €8k

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€142k€147k▲

Fixed assets21/28€83k€73k▼

Tangible fixed assets22/27€83k€73k▼

Plant, machinery and equipment23-€804

Furniture and vehicles24€79k€68k▼

Other tangible fixed assets26€5k€4k▼

Current assets29/58€59k€74k▲

Amounts receivable within one year40/41€13k€18k▲

Trade receivables40€11k€12k▲

Other amounts receivable41€2k€6k▲

Cash at bank and in hand54/58€46k€54k▲

Deferred charges and accrued income490/1€449€2k▲

Equity and liabilities

Total equity and liabilities10/49€142k€147k▲

Equity10/15€65k€99k▲

Contributions10/11€3k€3k=

Reserves13€63k€96k▲

Distributable reserves133€63k€96k▲

Amounts payable17/49€77k€48k▼

Amounts payable after more than one year17€25k€12k▼

Financial debts170/4€25k€12k▼

Amounts payable within one year42/48€52k€36k▼

Current portion of amounts payable after more than one year42€18k€11k▼

Trade debts44€5k€1k▼

Suppliers440/4€5k€1k▼

Taxes, remuneration and social security45€28k€23k▼

Taxes450/3€28k€23k▼

Other amounts payable47/48€859€833▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€24k▲

Other operating charges640/8€632€829▲

Gross operating margin9900€60k€70k▲

Operating profit (loss)9901€40k€45k▲

Financial income75/76B€7€439▲

Recurring financial income75€7€439▲

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€37k€44k▲

Income taxes67/77€8k€9k▲

Profit (loss) for the period9904€29k€34k▲

Profit (loss) for the period to be appropriated9905€29k€34k▲

Appropriation of the result

Profit (loss) to be appropriated9906€29k€34k▲

Transfer to equity691/2€29k€34k▲

To other reserves6921€29k€34k▲

Profit to be distributed694/7€859€833▼

Return on contributions (dividend)694€859€833▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

16-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

14-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €29k ▼16.3%

Net result drops to €29k, the lowest in the series; recovery starts the following year.

11-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

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, Zwevegem · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Lindelaan(Z) 708550 Zwevegem

Ground area

525 m²

Building footprint

164 m²

Volume, LiDAR

750 m³

Parcel 34042D0370/00X005, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Rent & Ride

Lindelaan(Z) 70, 8550 ZwevegemWholesale trade

since 20232.340.813.601

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34042D0370/00X005	Flanders	525 m²	1 · 164 m²	7.7 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

Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 15,580 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-01-2023

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

58290Other software publishing

62010Computer programming, consultancy and related activities

62100Computer programming

70100Activities of head offices

70200Business and other management consultancy

70220Business consulting

95100Repair and maintenance of computers and communication equipment

95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.