VOSCO Concept
ActiveVOSCO Concept has been active since 2012 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2024 annual accounts show equity of €350k and a net result of €108k. Equity is growing by ~67.5% per year across the filed fiscal years. Its solvency ranks better than 79% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
85
/ 100
Excellent▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Stability92
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 2.95 in 2023), and 30.2% 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2024Solvency, return and age of the figures
Solvency
69.8%
Return on assets
21.5%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
133 d late
2021
122 d late
2020
91 d late
2019
265 d late
2018
30 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
Financials · fiscal year 2024, micro schema
Equity
€350k▲ 31.0%
2023 · €267k
2018: €16k
2019: €34k
2020: €55k
2021: €109k
2023: €267k
2018 → 2024
Total assets
€501k▲ 23.3%
2023 · €406k
2018: €41k
2019: €85k
2020: €115k
2021: €199k
2023: €406k
2018 → 2024
Net result
€108k▼ 2.3%
2023 · €110k
2018: €26k
2019: €38k
2020: €46k
2021: €79k
2023: €110k
2018 → 2024
Working capital
€351k▲ 30.8%
2023 · €269k
2018: €9k
2019: €34k
2020: €55k
2021: €109k
2023: €269k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120232024Trend
Equity€34k-€55k▲ 62.4%€109k▲ 97.7%€267k▲ 145%€350k▲ 31.0%
Operating result€46k-€52k▲ 12.8%€110k▲ 111%€146k▲ 33.7%€137k▼ 6.6%
Net result€38k-€46k▲ 21.6%€79k▲ 70.8%€110k▲ 39.8%€108k▼ 2.3%
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 7% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €501k
Equity
€350k▲ 31.0%
Debt
€151k▲ 8.5%
The debt ratio falls from 34.3% to 30.2%: equity grows faster than debt.
Key figures and ratios
Solvency
69.8%▲
2023 · 65.7%
Current ratio
3.35▲
2023 · 2.95
Quick ratio
3.35▲
2023 · 2.95
Debt / equity
0.43▼
2023 · 0.52
ROE
30.8%▼
2023 · 41.3%
ROA
21.5%▼
2023 · 27.1%
Debt
€151k▲
2023 · €139k
Debt ≤ 1 year
€150k▲
2023 · €138k
Income taxes
€45k▼
2023 · €45k
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€406k€501k▲
Current assets29/58€406k€501k▲
Amounts receivable after more than one year29€240k€240k=
Other amounts receivable291€240k€240k=
Amounts receivable within one year40/41€141k€228k▲
Trade receivables40€17k€17k▼
Other amounts receivable41€124k€211k▲
Cash at bank and in hand54/58€8k€4k▼
Deferred charges and accrued income490/1€17k€28k▲
Equity and liabilities
Total equity and liabilities10/49€406k€501k▲
Equity10/15€267k€350k▲
Contributions10/11€19k€19k=
Reserves13€249k€331k▲
Distributable reserves133€249k€331k▲
Amounts payable17/49€139k€151k▲
Amounts payable within one year42/48€138k€150k▲
Trade debts44€4k€17k▲
Suppliers440/4€4k€17k▲
Taxes, remuneration and social security45€109k€108k▼
Taxes450/3€109k€108k▼
Other amounts payable47/48€25k€25k=
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20232024
Other operating charges640/8€1k€1k▲
Gross operating margin9900€148k€138k▼
Operating profit (loss)9901€146k€137k▼
Financial income75/76B€9k€16k▲
Recurring financial income75€9k€16k▲
Financial charges65/66B€513€426▼
Recurring financial charges65€513€426▼
Profit (loss) for the period before taxes9903€155k€152k▼
Income taxes67/77€45k€45k▼
Profit (loss) for the period9904€110k€108k▼
Profit (loss) for the period to be appropriated9905€110k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€110k€108k▼
Transfer to equity691/2€85k€83k▼
To other reserves6921€85k€83k▼
Profit to be distributed694/7€25k€25k=
Directors or managers695€25k€25k=
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 133 days late
03-09
KBO administration
UBO non-compliance
event 19-08-2024
2023
31-12
Financial
Highest result since 2018net €110k ▲39.8%
Operating result €146k, net result €110k, both a record.
31-12
Financial
Equity above €200kEq €267k ▲145%
5 profitable years in a row build equity to €267k.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
31-12
Financial
Equity above €100kEq €109k ▲97.7%
4 profitable years in a row build equity to €109k.
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
22-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 265 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
09-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
08-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
SignalFinancial 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, Jodoigne · 1 establishment unit since 2012
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.
Rue Chaude(Lat.) 61370 JodoigneGround area
249 m²
Building footprint
72 m²
Volume, LiDAR
570 m³
Parcel 25052A0108/00C000, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VOSCO Concept
since 20122.215.188.406
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25052A0108/00C000 | Wallonia | 249 m² | 1 · 72 m² | 9.2 m · 3 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.
Similar companies · same sector, comparable size
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InfraConstruct
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DÉMO PRO
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ALGEMENE BOUWONDERNEMING DESMET BRAM
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Izegem · Eq €350k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 10,397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-12-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.