VLD CONSULT
ActiveVLD CONSULT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €4k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 12627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+80
Solvency99▲+3
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.24 against 1.91 in 2024), and 39.3% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
60.7%
Return on assets
9.8%
Age of the figures
8 mo
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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
24 d late
2023
29 d late
2022
30 d late
2021
29 d late
2020
28 d late
2019
30 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▲ 19.2%
2024 · €20k
2018: €8k
2019: €8k
2020: €28k
2021: €31k
2022: €27k
2023: €20k
2024: €20k
2018 → 2025
Total assets
€39k▲ 12.0%
2024 · €35k
2018: €14k
2019: €17k
2020: €68k
2021: €62k
2022: €53k
2023: €42k
2024: €35k
2018 → 2025
Net result
€4k
2024 · €-46
2018: €2k
2019: €117
2020: €20k
2021: €2k
2022: €-4k
2023: €-7k
2024: €-46
2018 → 2025
Working capital
€26k▲ 92.8%
2024 · €13k
2018: €7k
2019: €6k
2020: €12k
2021: €18k
2022: €17k
2023: €12k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€27k▼ 12.2%€20k▼ 26.5%€20k▼ 0.2%€24k▲ 19.2%
Operating result€3k-€-3k€-7k▼ 162%€-113▲ 98.5%€6k
Net result€2k-€-4k€-7k▼ 91.4%€-46▲ 99.4%€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €113 in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€1k▼ 80.9%
Current assets
€38k▲ 32.5%
Equity and liabilities €39k
Equity
€24k▲ 19.2%
Debt
€15k▲ 2.4%
The debt ratio falls from 43.0% to 39.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€12k▲
2024 · €7k
Cash flow
€9k▲
2024 · €7k
Solvency
60.7%▲
2024 · 57.0%
Current ratio
3.24▲
2024 · 1.91
Quick ratio
3.24▲
2024 · 1.91
Debt / equity
0.65▼
2024 · 0.75
ROE
16.1%▲
2024 · -0.2%
ROA
9.8%▲
2024 · -0.1%
Interest coverage
85.08▲
2024 · 32.65
Debt
€15k▲
2024 · €15k
Debt ≤ 1 year
€12k▼
2024 · €15k
Income taxes
€3k▲
2024 · €482
Staff costs
€4k▲
2024 · €3k
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€35k€39k▲
Fixed assets21/28€6k€1k▼
Tangible fixed assets22/27€6k€1k▼
Furniture and vehicles24€6k€1k▼
Financial fixed assets28€95€95=
Current assets29/58€28k€38k▲
Amounts receivable within one year40/41€23k€28k▲
Trade receivables40€17k€19k▲
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€3k€7k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€35k€39k▲
Equity10/15€20k€24k▲
Contributions10/11€6k€6k=
Reserves13€560€560=
Distributable reserves133€560€560=
Profit (loss) carried forward14€13k€17k▲
Amounts payable17/49€15k€15k▲
Amounts payable within one year42/48€15k€12k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€7k€7k▲
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Remuneration, social security and pensions62€3k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€1k
Other operating charges640/8€387€712▲
Gross operating margin9900€11k€18k▲
Operating profit (loss)9901€-113€6k▲
Financial income75/76B€766€394▼
Recurring financial income75€766€394▼
Financial charges65/66B€217€136▼
Recurring financial charges65€217€136▼
Profit (loss) for the period before taxes9903€436€6k▲
Income taxes67/77€482€3k▲
Profit (loss) for the period9904€-46€4k▲
Profit (loss) for the period to be appropriated9905€-46€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€17k▲
Profit (loss) brought forward from the previous period14P€13k€13k▼
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
31-12
Financial
Highest result since 2018net €20k ▲17091%
Operating result €25k, net result €20k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-12-2023
Resigned as Director (executive)
Location & real-estate footprint
Registered office, Merchtem · 1 establishment unit since 2018
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.
Bleukenweg 571785 MerchtemGround area
262 m²
Building footprint
113 m²
Volume, LiDAR
653 m³
Parcel 23602H0549/00X004, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bleukenweg 57, 1785 Merchtem
since 20182.272.191.247
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0549/00X004 | Flanders | 262 m² | 1 · 113 m² | 9.7 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
2023 to 2025 · 3 entries · 621 EUR awarded · 579 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 102 EUR | 30 EUR |
| 2024 | 1 | 282 EUR | 312 EUR |
| 2023 | 1 | 237 EUR | 237 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 4,703 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2018
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.