VINDI 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 €662k and a net result of €122k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 7994 sector peers (fiscal year 2025). The company has been active since 1994 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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
29 d early
2023
6 d early
2022
3 d early
2021
on the day
2020
4 d early
2019
2 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€662k▲ 22.7%
2024 · €540k
2018: €429k
2019: €456k
2020: €564k
2021: €475k
2022: €492k
2023: €513k
2024: €540k
2018 → 2025
Net result
€122k▲ 359%
2024 · €27k
2018: €101k
2019: €28k
2020: €108k
2021: €130k
2022: €17k
2023: €42k
2024: €27k
2018 → 2025
Total assets
€697k▲ 22.7%
2024 · €568k
2018: €592k
2019: €580k
2020: €713k
2021: €851k
2022: €667k
2023: €559k
2024: €568k
2018 → 2025
Solvency
95.0%▼ 0.1pp
2024 · 95.1%
2018: 72.4%
2019: 78.7%
2020: 79.1%
2021: 55.8%
2022: 73.7%
2023: 91.9%
2024: 95.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€475k-€492k▲ 3.5%€513k▲ 4.4%€540k▲ 5.2%€662k▲ 22.7%
Operating result€57k-€36k▼ 38.0%€46k▲ 29.0%€36k▼ 21.4%€174k▲ 382%
Net result€130k-€17k▼ 87.3%€42k▲ 154%€27k▼ 36.7%€122k▲ 359%
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 382% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €697k
Fixed assets
€50k▼ 82.0%
Current assets
€647k▲ 124%
Equity and liabilities €697k
Equity
€662k▲ 22.7%
Debt
€35k▲ 24.5%
The debt ratio rises from 4.9% to 5.0%. Equity and debt are higher.
Key figures and ratios
Solvency
95.0%▼
2024 · 95.1%
ROE
18.5%▲
2024 · 4.9%
ROA
17.5%▲
2024 · 4.7%
Debt
€35k▲
2024 · €28k
Debt ≤ 1 year
€35k▲
2024 · €28k
Income taxes
€52k▲
2024 · €11k
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€568k€697k▲
Fixed assets21/28€279k€50k▼
Tangible fixed assets22/27€279k€50k▼
Land and buildings22€203k€0▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€72k€46k▼
Current assets29/58€289k€647k▲
Amounts receivable within one year40/41€68k€57k▼
Trade receivables40-€2k
Other amounts receivable41€68k€55k▼
Current investments50/53€122k€150k▲
Cash at bank and in hand54/58€98k€438k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€568k€697k▲
Equity10/15€540k€662k▲
Contributions10/11€6k€6k=
Reserves13€534k€656k▲
Distributable reserves133€534k€656k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€28k€35k▲
Amounts payable within one year42/48€28k€35k▲
Current portion of amounts payable after more than one year42€7k€5k▼
Trade debts44€5k€10k▲
Suppliers440/4€5k€10k▲
Taxes, remuneration and social security45€14k€17k▲
Taxes450/3€13k€17k▲
Remuneration and social security454/9€673€0▼
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€155k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€18k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€19k
Gross operating margin9900€65k€211k▲
Operating profit (loss)9901€36k€174k▲
Financial income75/76B€10€1k▲
Recurring financial income75€10€1k▲
Financial charges65/66B€-2k€721▲
Recurring financial charges65€-2k€721▲
Profit (loss) for the period before taxes9903€38k€174k▲
Income taxes67/77€11k€52k▲
Profit (loss) for the period9904€27k€122k▲
Profit (loss) for the period to be appropriated9905€27k€122k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€122k▲
Transfer from equity791/2€0-
Transfer to equity691/2€27k€122k▲
To other reserves6921€27k€122k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (7 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 7.49
Current ratio from 2.65 to 7.49; short-term debt falls from €163k to €45k.
31-12
Financial
Equity above €500kEq €513k ▲4.4%
6 profitable years in a row build equity to €513k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €17k ▼87.3%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €130k ▲20.7%
Net result €130k, the highest in the series.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €564k ▲23.6%
3 profitable years in a row build equity to €564k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Bornem · 1 establishment unit since 1994
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.
Buitenland(BOR) 14A2880 BornemGround area
319 m²
Building footprint
129 m²
Volume, LiDAR
675 m³
Parcel 12007A0078/00F006, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Buitenland(BOR) 14A, 2880 Bornem
since 19942.068.345.351
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007A0078/00F006 | Flanders | 319 m² | 1 · 129 m² | 9.2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 990 EUR awarded · 990 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 990 EUR | 990 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,754. 13,376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-1994
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.