Vincent Pirard
ActiveVincent Pirard has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €43k. Its solvency ranks better than 65% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency95
Growth-
Track record67
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.29; short-term debt: 29.8% and cash: 96.4% of total assets), and 29.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
70.2%
Return on assets
52.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
40 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€58k
Total assets
€83k
Net result
€43k
Working capital
€57k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €83k
Fixed assets
€2k
Current assets
€82k
Equity and liabilities €83k
Equity
€58k
Debt
€25k
Debt finances 29.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€57k
Cash flow
€44k
Solvency
70.2%
Current ratio
3.29
Quick ratio
3.29
Debt / equity
0.43
ROE
74.3%
ROA
52.1%
Interest coverage
37.71
Debt
€25k
Debt ≤ 1 year
€25k
Income taxes
€11k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€83k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Plant, machinery and equipment23€2k
Current assets29/58€82k
Amounts receivable within one year40/41€1k
Trade receivables40€1k
Cash at bank and in hand54/58€80k
Equity and liabilities
Total equity and liabilities10/49€83k
Equity10/15€58k
Contributions10/11€15k
Profit (loss) carried forward14€43k
Amounts payable17/49€25k
Amounts payable within one year42/48€25k
Financial debts43€1k
Credit institutions430/8€1k
Trade debts44€206
Suppliers440/4€206
Advances received on contracts in progress46€569
Taxes, remuneration and social security45€19k
Taxes450/3€19k
Other amounts payable47/48€4k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€344
Non-recurring operating charges66A€268
Gross operating margin9900€57k
Operating profit (loss)9901€56k
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€55k
Income taxes67/77€11k
Profit (loss) for the period9904€43k
Profit (loss) for the period to be appropriated9905€43k
Appropriation of the result
Profit (loss) to be appropriated9906€43k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Overijse · 1 establishment unit since 2024
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.
Coringestraat 13090 OverijseGround area
279 m²
Building footprint
92 m²
Parcel 23544D0277/00V002, Flanders. Linked by address, not a title deed.
1 establishment unit
Coringestraat 1, 3090 Overijse
since 20242.363.884.951
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23544D0277/00V002 | Flanders | 279 m² | 1 · 92 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,872 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2024
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.