VOCUM
ActiveVOCUM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €265k. Equity is shrinking by ~23.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 11% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+97
Solvency28▲+9
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.16 in 2024; short-term debt: 90.1% and cash: 78.5% of total assets), and 97.4% 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
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
2.6%
Return on assets
76.1%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 31540 sector peers (2025).
NBB · sector comparisonPosition among 31540 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
4 d early
2022
44 d early
2021
25 d early
2020
35 d early
2019
33 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k
2024 · €-7k
2018: €209k
2019: €209k
2020: €146k
2021: €140k
2022: €210k
2023: €10k
2024: €-7k
2018 → 2025
Total assets
€349k▲ 175%
2024 · €127k
2018: €436k
2019: €240k
2020: €149k
2021: €143k
2022: €390k
2023: €495k
2024: €127k
2018 → 2025
Net result
€265k
2024 · €-18k
2018: €222k
2019: €-256
2020: €-63k
2021: €-6k
2022: €69k
2023: €39k
2024: €-18k
2018 → 2025
Working capital
€34k▲ 96.4%
2024 · €18k
2018: €211k
2019: €211k
2020: €148k
2021: €142k
2022: €212k
2023: €12k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€140k-€210k▲ 49.4%€10k▼ 95.1%€-7k€9k
Operating result€-6k-€70k€49k▼ 30.4%€-18k€278k
Net result€-6k-€69k€39k▼ 43.5%€-18k€265k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €278k after a loss of €18k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €349k
Equity
€9k
Provisions
€23k
Debt
€317k
Debt finances 90.9% of the balance-sheet total.
Key figures and ratios
Solvency
2.6%▲
2024 · -5.8%
Current ratio
1.11▼
2024 · 1.16
Quick ratio
1.11▼
2024 · 1.16
Debt / equity
34.88▲
2024 · -15.20
ROA
76.1%▲
2024 · -14.0%
Debt
€317k▲
2024 · €112k
Debt ≤ 1 year
€314k▲
2024 · €109k
Income taxes
€12k▲
2024 · €1k
Staff costs
€78k▼
2024 · €166k
A ratio outside any meaningful range has been withheld (balance sheet total €349k, equity €9k).
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€127k€349k▲
Current assets29/58€127k€349k▲
Amounts receivable within one year40/41€40k€72k▲
Trade receivables40€16k€35k▲
Other amounts receivable41€24k€38k▲
Cash at bank and in hand54/58€85k€274k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€127k€349k▲
Equity10/15€-7k€9k▲
Contributions10/11€6k€6k=
Reserves13€2k€3k▲
Distributable reserves133€2k€3k▲
Profit (loss) carried forward14€-16k-
Provisions and deferred taxes16€23k€23k=
Provisions for liabilities and charges160/5€23k€23k=
Other liabilities and charges164/5€23k€23k=
Amounts payable17/49€112k€317k▲
Amounts payable within one year42/48€109k€314k▲
Trade debts44€97k€39k▼
Suppliers440/4€97k€39k▼
Taxes, remuneration and social security45€12k€25k▲
Taxes450/3€116€11k▲
Remuneration and social security454/9€12k€14k▲
Other amounts payable47/48€726€250k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€166k€78k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€83k-
Provisions for liabilities and charges: additions (uses and reversals)635/8€23k-
Other operating charges640/8€3k€5k▲
Gross operating margin9900€258k€360k▲
Operating profit (loss)9901€-18k€278k▲
Financial income75/76B€1k€145▼
Recurring financial income75€1k€145▼
Financial charges65/66B€195€259▲
Recurring financial charges65€195€259▲
Profit (loss) for the period before taxes9903€-16k€278k▲
Income taxes67/77€1k€12k▲
Profit (loss) for the period9904€-18k€265k▲
Profit (loss) for the period to be appropriated9905€-18k€265k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€250k▲
Profit (loss) brought forward from the previous period14P-€-16k
Transfer from equity791/2€2k-
Transfer to equity691/2-€591
To other reserves6921-€591
Profit to be distributed694/7-€249k
Directors or managers695-€249k
The notes to these accounts (3 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €265k
Net result €265k after one loss-making year.
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €69k
Net result €69k after 3 loss-making years.
30-09
Financial
Equity above €200kEq €210k ▲49.4%
Equity rises from €140k to €210k.
05-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-63k
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity times 38current ratio 311.71
Current ratio from 8.29 to 311.71; short-term debt falls from €29k to €477.
28-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Liquidity quadruplescurrent ratio 8.29
Current ratio from 1.94 to 8.29; short-term debt falls from €225k to €29k.
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2009
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.
Rijnkaai 202000 AntwerpenGround area
156 m²
Building footprint
156 m²
Volume, LiDAR
3,096 m³
Parcel 11807G0126/02Y016, Flanders · tallest building 23.7 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Vocum
since 20092.182.647.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0126/02Y016 | Flanders | 156 m² | 1 · 156 m² | 23.7 m · 8 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
2022 · 1 entry · 314 EUR awarded · 314 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 314 EUR | 314 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 21,881 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2009
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
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 · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.