VLD ACCOUNTING
ActiveThe computed 12-month bankruptcy probability of VLD ACCOUNTING is 4.6% (elevated). The 2025 annual accounts show equity of €45k and a net result of €4k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 82% of 4575 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-7
Solvency99▲+32
Growth38▼-47
Track record94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity ample (current ratio 3.77 against 1.7 in 2024; short-term debt: 26% and cash: 7.2% of total assets), and 26% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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 2025Solvency, return and age of the figures
Solvency
74%
Return on assets
7.2%
Age of the figures
11 mo
neutral · Filed after the deadline
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 30-06-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
30 d late
2024
10 d late
2023
8 d late
2022
374 d late
2021
45 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-10-2026 close31-05-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€93k▼ 65.1%
2024 · €266k
2021: €128k
2022: €93k
2023: €318k
2024: €266k
2021 → 2025
EBIT margin
7.7%▲ 0.8pp
2024 · 6.9%
2021: 5.1%
2022: 13.8%
2023: 13.5%
2024: 6.9%
2021 → 2025
Net result
€4k▼ 72.1%
2024 · €16k
2021: €6k
2022: €11k
2023: €33k
2024: €16k
2021 → 2025
Working capital
€44k▲ 13.6%
2024 · €39k
2021: €-4k
2022: €10k
2023: €28k
2024: €39k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€128k-€93k▼ 27.7%€318k▲ 243%€266k▼ 16.2%€93k▼ 65.1%
Equity€7k-€18k▲ 144%€31k▲ 73.0%€41k▲ 31.1%€45k▲ 10.7%
Operating result€6k-€13k▲ 96.7%€43k▲ 237%€18k▼ 57.2%€7k▼ 61.2%
Net result€6k-€11k▲ 89.7%€33k▲ 211%€16k▼ 52.6%€4k▼ 72.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€1k▼ 41.0%
Current assets
€60k▼ 36.4%
Equity and liabilities €61k
Equity
€45k▲ 10.7%
Debt
€16k▼ 71.3%
The debt ratio falls from 57.5% to 26.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €22k
Cash flow
€5k▼
2024 · €19k
Solvency
74.0%▲
2024 · 42.5%
Current ratio
3.77▲
2024 · 1.70
Quick ratio
3.77▲
2024 · 1.70
Debt / equity
0.35▼
2024 · 1.36
ROE
9.7%▼
2024 · 38.3%
ROA
7.2%▼
2024 · 16.3%
Interest coverage
7.70▼
2024 · 8.23
Debt
€16k▼
2024 · €56k
Debt ≤ 1 year
€16k▼
2024 · €56k
Income taxes
€2k
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€97k€61k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€95k€60k▼
Amounts receivable within one year40/41€74k€56k▼
Trade receivables40€7k€13k▲
Other amounts receivable41€68k€43k▼
Cash at bank and in hand54/58€20k€4k▼
Equity and liabilities
Total equity and liabilities10/49€97k€61k▼
Equity10/15€41k€45k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€39k€44k▲
Amounts payable17/49€56k€16k▼
Amounts payable within one year42/48€56k€16k▼
Trade debts44€35k€13k▼
Suppliers440/4€12k€13k▲
Bills of exchange payable441€23k-
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€16k-
Income statement
Code20242025
Turnover70€266k€93k▼
Goods, raw materials, services and sundry goods60/61€244k€88k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€898▼
Gross operating margin9900€22k€8k▼
Operating profit (loss)9901€18k€7k▼
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€16k€6k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€16k€4k▼
Profit (loss) for the period to be appropriated9905€16k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€44k▼
Profit (loss) brought forward from the previous period14P€40k€39k▼
Profit to be distributed694/7€16k-
Directors or managers695€16k-
The notes to these accounts (4 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-10
Financial
Weakest financial yearnet €4k ▼72.1%
Net result drops to €4k, the lowest in the series.
31-10
Financial
Liquidity doublescurrent ratio 3.77
Current ratio from 1.70 to 3.77; short-term debt falls from €56k to €16k.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 10 days late
2024
08-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 374 days late
2023
31-10
Financial
Highest result since 2021net €33k ▲211%
Operating result €43k, net result €33k, both a record.
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 45 days late
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, Brussel · 1 establishment unit since 2020
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.
Beukenootjesstraat 2171120 BrusselGround area
6,725 m²
Building footprint
190 m²
Volume, LiDAR
2,033 m³
Parcel 21819D0222/00G002, Brussels · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
vld accounting
since 20202.308.807.361
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819D0222/00G002 | Brussels | 6,725 m² | 1 · 190 m² | 12.5 m · 4 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.
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YOUZAK TAXI
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NAGINA
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MAB TAX
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AASHIANA
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Of 6,996 companies in sector 49320 we hold annual accounts for 2,719. 2,156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2020
Fiscal year end31-10
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
41001General construction of residential buildings
49310Scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress 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.