VJ Pandit
ActiveVJ Pandit has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €195k and a net result of €98k. Equity is growing by ~74.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+6
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 4.96 against 3.21 in 2023; short-term debt: 20% and cash: 75.8% of total assets), and 20% of the assets are financed with debt.
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
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2024Solvency, return and age of the figures
Solvency
80%
Return on assets
40.2%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-04-2025, 115 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
115 d early
2023
76 d early
2022
109 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€195k▲ 101%
2023 · €97k
2022: €50k
2023: €97k
2022 → 2024
Total assets
€243k▲ 73.6%
2023 · €140k
2022: €105k
2023: €140k
2022 → 2024
Net result
€98k▲ 109%
2023 · €47k
2022: €49k
2023: €47k
2022 → 2024
Working capital
€193k▲ 101%
2023 · €96k
2022: €50k
2023: €96k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€50k-€97k▲ 93.3%€195k▲ 101%
Operating result€68k-€66k▼ 2.7%€127k▲ 91.7%
Net result€49k-€47k▼ 4.8%€98k▲ 109%
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 2024; 2024 is 92% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €243k
Fixed assets
€2k▲ 71.1%
Current assets
€241k▲ 73.6%
Equity and liabilities €243k
Equity
€195k▲ 101%
Debt
€49k▲ 12.4%
The debt ratio falls from 30.9% to 20.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€128k▲
2023 · €67k
Cash flow
€98k▲
2023 · €47k
Solvency
80.0%▲
2023 · 69.1%
Current ratio
4.96▲
2023 · 3.21
Quick ratio
4.96▲
2023 · 3.21
Debt / equity
0.25▼
2023 · 0.45
ROE
50.2%▲
2023 · 48.3%
ROA
40.2%▲
2023 · 33.4%
Interest coverage
639.21▲
2023 · 586.67
Debt
€49k▲
2023 · €43k
Debt ≤ 1 year
€49k▲
2023 · €43k
Income taxes
€30k▲
2023 · €20k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€140k€243k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€139k€241k▲
Amounts receivable within one year40/41-€6k
Other amounts receivable41-€6k
Current investments50/53-€44k
Cash at bank and in hand54/58€139k€184k▲
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€140k€243k▲
Equity10/15€97k€195k▲
Contributions10/11€1k€1k=
Reserves13€96k€194k▲
Distributable reserves133€96k€194k▲
Amounts payable17/49€43k€49k▲
Amounts payable within one year42/48€43k€49k▲
Financial debts43-€690
Credit institutions430/8-€690
Trade debts44€1k€490▼
Suppliers440/4€1k€490▼
Taxes, remuneration and social security45€17k€23k▲
Taxes450/3€17k€23k▲
Other amounts payable47/48€25k€24k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€125€480▲
Other operating charges640/8€9k€6k▼
Gross operating margin9900€76k€134k▲
Operating profit (loss)9901€66k€127k▲
Financial income75/76B-€94
Recurring financial income75-€94
Financial charges65/66B€113€200▲
Recurring financial charges65€113€200▲
Profit (loss) for the period before taxes9903€66k€127k▲
Income taxes67/77€20k€30k▲
Profit (loss) for the period9904€47k€98k▲
Profit (loss) for the period to be appropriated9905€47k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€98k▲
Transfer to equity691/2€47k€98k▲
To other reserves6921€47k€98k▲
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
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €98k ▲109%
Operating result €127k, net result €98k, both a record.
31-12
Financial
Equity above €150kEq €195k ▲101%
3 profitable years in a row build equity to €195k.
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €47k ▼4.8%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Elsene · 1 establishment unit since 2022
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.
Gewijde-Boomstraat 91050 ElseneGround area
1.0 ha
Building footprint
548 m²
Volume, LiDAR
9,668 m³
2 parcels, Brussels · tallest building 22.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
VJ Pandit
since 20222.339.112.438
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0582/00A015 | Brussels | 9,313 m² | 1 · 334 m² | 20.7 m · 6 fl. |
| 21447B0306/00H048 | Brussels | 1,137 m² | 1 · 214 m² | 22.5 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
69109Other legal services
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:vik.pandit@btinternet.com