VIBEFIN
ActiveVIBEFIN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-3k) and a net result of €-34k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 5% of 1002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
12
/ 100
Critical▼ -71 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency42▼-54
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 0.9 against 1.99 in 2024), and equity is negative.
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 69
Relative position
BE, all sectors
reference
Sector 69
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 2025Solvency, return and age of the figures
Solvency
-6%
Return on assets
-75.9%
Age of the figures
14 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 · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€3k
raises risk · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
16 d late
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
on the day
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close05-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-34k
2024 · €7k
2022: €26k
2023: €6k
2024: €7k
2022 → 2025
Working capital
€-5k
2024 · €29k
2022: €16k
2023: €23k
2024: €29k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€19k-€25k▲ 32.8%€32k▲ 26.0%€-3k
Operating result€28k-€11k▼ 61.1%€41k▲ 268%€11k▼ 73.9%
Net result€26k-€6k▼ 76.0%€7k▲ 18.3%€-34k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€2k▼ 23.2%
Current assets
€43k▼ 25.8%
Key figures and ratios
EBITDA
€11k▼
2024 · €41k
Cash flow
€-34k▼
2024 · €8k
Solvency
-6.0%▼
2024 · 52.0%
Current ratio
0.90▼
2024 · 1.99
Quick ratio
0.90▼
2024 · 1.99
Debt / equity
-17.58▼
2024 · 0.92
ROE
1259.1%▲
2024 · 23.2%
ROA
-75.9%▼
2024 · 12.0%
Interest coverage
0.25▼
2024 · 1.43
Debt
€48k▲
2024 · €29k
Debt ≤ 1 year
€48k▲
2024 · €29k
Income taxes
€139▼
2024 · €4k
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
Total assets
20/58€61k€45k▼
Fixed assets
21/28€3k€2k▼
Tangible fixed assets
22/27€3k€2k▼
Financial fixed assets
28€85€85=
Current assets
29/58€58k€43k▼
Amounts receivable within one year
40/41€37k€23k▼
Cash & bank
54/58€21k€20k▼
Total equity & liabilities
10/49€61k€45k▼
Equity
10/15€32k€-3k▼
Contributions / capital
10/11€6k€6k=
Reserves
13€25k€25k=
Accumulated profits (losses)
14€0€-34k▼
Amounts payable
17/49€29k€48k▲
Amounts payable within one year
42/48€29k€48k▲
Trade debts payable within one year
44€6k€4k▼
Income statement
Code20242025
Gross operating margin
9900€42k€12k▼
Operating result
9901€41k€11k▼
Financial income
75€119€109▼
Financial charges
65€29k€45k▲
Result before taxes
9903€12k€-34k▼
Income taxes
67/77€4k€139▼
Net result for the period
9904€7k€-34k▼
Result to be appropriated
9905€7k€-34k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 16 days late
2025
30-06
Financial
Weakest financial yearnet €-34k ▼568%
Net result drops to €-34k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-12
State Gazette act
Director changes
Bernard DEWITTE
30-06
Financial
Liquidity doublescurrent ratio 3.61
Current ratio from 1.61 to 3.61; short-term debt falls from €26k to €9k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,543. 5,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2010
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-07-2026. Scores and ratios are computed by Checked and are not a credit decision.