VMCA CONSULTING
ActiveThe computed 12-month bankruptcy probability of VMCA CONSULTING is 1.9% (moderate). The 2024 annual accounts show equity of €54k and a net result of €8k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 26043 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+36
Solvency58▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity tight (current ratio 1.46 against 1.52 in 2023; short-term debt: 55.1% and cash: 28.4% of total assets), and 67.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
32.7%
Return on assets
4.6%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-11-2025, 107 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
107 d late
2023
80 d late
2022
32 d late
2021
34 d early
2020
100 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€54k▲ 16.4%
2023 · €46k
2020: €20k
2021: €45k
2022: €45k
2023: €46k
2020 → 2024
Total assets
€164k▼ 8.7%
2023 · €180k
2020: €62k
2021: €84k
2022: €137k
2023: €180k
2020 → 2024
Net result
€8k▲ 646%
2023 · €1k
2020: €23k
2021: €25k
2022: €456
2023: €1k
2020 → 2024
Working capital
€42k▼ 31.9%
2023 · €61k
2020: €20k
2021: €45k
2022: €60k
2023: €61k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€45k▲ 124%€45k▲ 1.0%€46k▲ 2.3%€54k▲ 16.4%
Operating result€29k-€30k▲ 3.8%€4k▼ 86.5%€16k▲ 298%€5k▼ 71.3%
Net result€23k-€25k▲ 5.3%€456▼ 98.2%€1k▲ 123%€8k▲ 646%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 71% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €164k
Fixed assets
€32k▲ 30,401%
Current assets
€132k▼ 26.4%
Equity and liabilities €164k
Equity
€54k▲ 16.4%
Debt
€111k▼ 17.4%
The debt ratio falls from 74.4% to 67.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k
Cash flow
€11k
Solvency
32.7%▲
2023 · 25.6%
Current ratio
1.46▼
2023 · 1.52
Quick ratio
0.69▲
2023 · 0.59
Debt / equity
2.06▼
2023 · 2.90
ROE
14.1%▲
2023 · 2.2%
ROA
4.6%▲
2023 · 0.6%
Interest coverage
7.27
Debt
€111k▼
2023 · €134k
Debt ≤ 1 year
€91k▼
2023 · €119k
Debt > 1 year
€20k▲
2023 · €15k
Income taxes
€-4k▼
2023 · €14k
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€180k€164k▼
Fixed assets21/28€105€32k▲
Tangible fixed assets22/27-€32k
Furniture and vehicles24-€2k
Leasing and similar rights25-€30k
Financial fixed assets28€105€105=
Current assets29/58€180k€132k▼
Stocks and contracts in progress3€110k€70k▼
Stocks30/36€110k€70k▼
Amounts receivable within one year40/41€65k€16k▼
Trade receivables40€65k€14k▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€5k€47k▲
Equity and liabilities
Total equity and liabilities10/49€180k€164k▼
Equity10/15€46k€54k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€41k€49k▲
Amounts payable17/49€134k€111k▼
Amounts payable after more than one year17€15k€20k▲
Financial debts170/4€15k€20k▲
Amounts payable within one year42/48€119k€91k▼
Current portion of amounts payable after more than one year42€33k€16k▼
Trade debts44€28k€15k▼
Suppliers440/4€28k€15k▼
Taxes, remuneration and social security45€41k€45k▲
Taxes450/3€41k€44k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€17k€14k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3k
Other operating charges640/8€715€762▲
Gross operating margin9900€17k€9k▼
Operating profit (loss)9901€16k€5k▼
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€687€1k▲
Recurring financial charges65€687€1k▲
Profit (loss) for the period before taxes9903€15k€4k▼
Income taxes67/77€14k€-4k▼
Profit (loss) for the period9904€1k€8k▲
Profit (loss) for the period to be appropriated9905€1k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€49k▲
Profit (loss) brought forward from the previous period14P€40k€41k▲
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
2025
15-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 107 days late
2024
19-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 80 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €456 ▼98.2%
Net result drops to €456, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €25k ▲5.3%
Operating result €30k, net result €25k, both a record.
08-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 100 days late
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, Beersel · 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.
Hoogveldlaan 411652 BeerselGround area
5,378 m²
Building footprint
883 m²
Volume, LiDAR
7,507 m³
2 parcels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VMCA
since 20202.303.306.174
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23001A0009/00M015 | Flanders | 4,243 m² | 1 · 321 m² | 11.5 m · 3 fl. |
| 22003A0047/00X008 | Flanders | 1,134 m² | 1 · 561 m² | 11.6 m · 3 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.
Similar companies · same sector, comparable size
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BE 0785.952.101
Chaumont-Gistoux · Eq €53k
AlfaOrganics
BE 0684.920.166
Sint-Agatha-Berchem · Eq €53k
Opes
BE 0749.432.985
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LUNIVA
BE 0881.658.437
Soignies · Eq €54k
Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,520 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2020
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
85593Socio-cultural adult education
88101Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.