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Vk concept

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Dorekensstraat(BE) 13 ·1674 Pepingen, Belgium
KBO/BCE: BE 0842.118.465
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age14 yrs
Staff (FTE)0.2

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Vk concept is 0.1% (very low). The 2025 annual accounts show equity of €3.10M and a net result of €167k. Equity is growing by ~51.9% per year across the filed fiscal years. Its solvency ranks better than 43% of 297 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

2 signals · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend
Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-09-2025 30-04-2026 26-03-2026 35 d early 2026-00064402
30-09-2024 30-04-2025 28-04-2025 2 d early 2025-00080685
30-09-2023 30-04-2024 03-04-2024 27 d early 2024-00057289
30-09-2022 30-04-2023 31-03-2023 30 d early 2023-00049622
30-09-2021 30-04-2022 30-03-2022 31 d early 2022-09100587
30-09-2020 30-04-2021 30-04-2021 on the day 2021-12400371
30-09-2019 30-04-2020 29-04-2020 1 d early 2020-10100503
30-09-2018 30-04-2019 11-04-2019 19 d early 2019-09700219
30-09-2017 30-04-2018 05-04-2018 25 d early 2018-08900271
30-09-2016 30-04-2017 27-03-2017 34 d early 2017-07000388

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2011, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector Annual accounts: healthy financial profile Long track record

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€533k+40.1%
EBIT margin75.2%-231.3pp
Net result€167k-78.2%
Working capital€945k-3.1%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 26-03-2026 with the NBB · fiscal year 2025 · volledig
€0€1.00M€2.00M€3.00MRevenue 2021: €2.65M€2.65MOperating result 2021: €1.02M€1.02MNet result 2021: €741k€741kRevenue 2022: €1.25M€1.25MOperating result 2022: €918k€918kNet result 2022: €651k€651kRevenue 2023: €380k€380kOperating result 2023: €367k€367kNet result 2023: €137k€137kRevenue 2024: €381k€381kOperating result 2024: €1.17M€1.17MNet result 2024: €767k€767kRevenue 2025: €533k€533kOperating result 2025: €401k€401kNet result 2025: €167k€167k20212022202320242025
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~51.9%/year over 8 fiscal years, indicative, assuming unchanged policy.
€0€5.00M€10.00M€15.00M2026: €7.17M (€6.85M - €7.49M)2027: €10.89M (€10.38M - €11.40M)2028: €16.55M (€15.84M - €17.25M)2018: €153k2019: €201k2020: €639k2021: €1.38M2022: €2.03M2023: €2.16M2024: €2.93M2025: €3.10M20182019202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 34.3% 42.2%
better than 43% of 297 sector peers
Net result €167k €57k
better than 71% of 296 sector peers
Equity €3.10M €207k
better than 81% of 297 sector peers
Staff costs €12k €155k
higher than 12% of 76 sector peers
Employees (FTE) 0.2 1.6
better than 28% of 88 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P43
2020: P27 · n=2652021: P39 · n=4192022: P46 · n=6212023: P40 · n=8262024: P44 · n=9722025: P43 · n=2972020 2025
Stable position over 2020-2025 · n=265-972
Net result P71
2020: P86 · n=2652021: P90 · n=4182022: P90 · n=6212023: P77 · n=8272024: P91 · n=9722025: P71 · n=2962020 2025
Weakening position over 2020-2025 · n=265-972
Equity P81
2020: P56 · n=2652021: P72 · n=4192022: P78 · n=6222023: P80 · n=8282024: P83 · n=9732025: P81 · n=2972020 2025
Improving position over 2020-2025 · n=265-973
Total assets P83
2020: P63 · n=2652021: P73 · n=4192022: P78 · n=6212023: P81 · n=8262024: P84 · n=9722025: P83 · n=2972020 2025
Improving position over 2020-2025 · n=265-972
Describes the position versus peers, not a forecast.
Revenue
€533k
+40.1% 18-25
EBITDA
€654k
-48.2% 18-25
Net profit
€167k
-78.2% 18-25
Cash flow
€421k
-51.3% 18-25
Total assets
€9.03M
+1.1% 18-25
Equity
€3.10M
+5.7% 18-25
Working capital
€945k
-3.1% 18-25
Employees (FTE)
0
- 18-25
Staff costs
€12k
- 18-25
Income taxes
€88k
+94.1% 18-25
Dividends
€0
-100.0% 18-25
Debt
€5.79M
-0.8% 18-25
Debt ≤ 1y
€1.03M
-6.1% 18-25
Debt > 1y
€4.71M
0.0% 18-25
Current ratio
1.92
+1.5% 18-25
Quick ratio
1.48
-0.6% 18-25
Solvency
34.3%
+4.6% 18-25
Debt / equity
1.87
-6.1% 18-25
ROE
5.4%
-79.4% 18-25
ROA
1.9%
-78.4% 18-25
Net margin
31.4%
-84.4% 18-25
EBITDA margin
122.7%
-63.0% 18-25
Interest coverage
3.13
-43.2% 18-25
Figures by fiscal year
Fiscal year2025
Depositvolledig
Revenue€533k
EBITDA€654k
Net profit€167k
Cash flow€421k
Staff costs€12k
Income taxes€88k
Dividends-
Total assets€9.03M
Equity€3.10M
Debt€5.79M
of which ≤ 1y€1.03M
of which > 1y€4.71M
Working capital€945k
Employees (FTE)0.2
Ratios (computed)
2025
Current ratio1.92
Quick ratio1.48
Working capital ratio10.5%
Solvency34.3%
Debt / equity1.87
Long-term debt ratio1.52
Interest coverage3.13
Gross margin98.0%
Net margin31.4%
ROA1.9%
ROE5.4%
EBITDA margin122.7%
Days sales outstanding49d
Days payable outstanding607d
Inventory turnover0.02
Days inventory (DSI)15035d
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€9.03M
Fixed assets 21/28€7.06M
Tangible fixed assets 22/27€3.63M
Financial fixed assets 28€3.43M
Current assets 29/58€1.97M
Stocks & contracts in progress 3€447k
Amounts receivable within one year 40/41€1.43M
Cash & bank 54/58€7k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€9.03M
Equity 10/15€3.10M
Contributions / capital 10/11€19k
Reserves 13€3.08M
Provisions & deferred taxes 16€136k
Amounts payable 17/49€5.79M
Amounts payable after one year 17€4.71M
Amounts payable within one year 42/48€1.03M
Trade debts payable within one year 44€18k
Income statement
Turnover 70€533k
Operating result 9901€401k
Financial income 75€41k
Financial charges 65€210k
Result before taxes 9903€232k
Income taxes 67/77€88k
Net result for the period 9904€167k
Result to be appropriated 9905€162k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
87 / 100 Excellent
050100
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
seat.Municipality approximate (street level)

Establishment units

1 location
VK CONCEPT
Dorekensstraat(BE) 13, 1674 PepingenHoldings
since 20112.206.496.414
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.3 ha

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23007B0147/00A000 Flanders 1.3 ha - -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

3 acts
Capital history · 2
28-05-2026
Capital conversion
28-05-2026
Capital increase: new_shares: 107983
All acts · 3 updated 2 months ago
2026
28-05-2026 Notarial deed · General meeting · Statute amendment · Capital conversion Open-capture extraction·Joost Eeman
  • Filing: 2026-05-26 · G & T
  • Notarial deed: 2026-05-05 · G & T
  • General meeting: 2026-05-05 · G & T
  • Statute amendment: coordination · G & T
  • Capital conversion · G & T
  • Reserve release: statutory_unavailable_equity_account · G & T
  • Name change: new_name: SEVEN PEAKS, short_name: 7 Peaks · G & T
  • First fiscal year: end: 2027-12-31, start: 2026-04-01 · G & T
  • Annual meeting schedule: last Tuesday of March at 17:00 · G & T
  • Purpose change: investment_company_and_investment_management_company · G & T
  • Share distribution: ratio: 1 to 100, total_shares_after: 20000 · G & T
  • Capital increase: new_shares: 107983 · G & T
  • Auditor waiver: article_5_121 · G & T
  • Share transfer: shares: 36709 · ANGEL CAPITAL
  • Share transfer: shares: 11884 · PETER VERMEIRE
  • Share transfer: shares: 16198 · Vk concept
  • Share transfer: shares: 10798 · KUBIGROUP
  • Share transfer: shares: 5399 · LOUAGIE Jan Jozef Frans
  • Share transfer: shares: 5399 · JH CONVENT
  • Publication: 2026-05-28
  • Act object: WIJZIGING RECHTSVORM, STATUTEN (VERTALING,
Summary: Notarial deed · General meeting · Statute amendment · Capital conversionNotary: Joost Eeman
26-01-2026 Articles of association amended Statutes amendment
2011
28-12-2011 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health87Profitability76Solvency75Growth52Stability100
78 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 87
Profitability 76
Solvency 75
Growth 52
Stability 100

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van holdings64210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Ontwikkeling van niet-residentiële bouwprojecten68122Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en lease van personenauto’s en andere lichte motorvoertuigen77110Verhuur en lease van machines en installaties voor de bouwnijverheid en de weg- en waterbouw77320Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL Vk concept
Registered office
Dorekensstraat(BE) 13
1674 Pepingen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.