VR-CL CONSULTING
ActiveVR-CL CONSULTING has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €31k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 19% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+6
Solvency43▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 0.58 in 2024; short-term debt: 29% and cash: 13.5% of total assets), and 81.8% 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 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
18.2%
Return on assets
5%
Age of the figures
15 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 12665 sector peers (2025).
NBB · sector comparisonPosition among 12665 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-12-2025, 31 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
31 d early
2024
4 d early
2023
1 d early
2022
1 d early
2021
7 d early
2020
8 d early
2019
26 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 37.5%
2024 · €82k
2019: €26k
2020: €45k
2021: €74k
2022: €29k
2023: €75k
2024: €82k
2019 → 2025
Total assets
€619k▲ 27.2%
2024 · €487k
2019: €57k
2020: €73k
2021: €104k
2022: €70k
2023: €108k
2024: €487k
2019 → 2025
Net result
€31k▲ 338%
2024 · €7k
2019: €21k
2020: €20k
2021: €29k
2022: €28k
2023: €50k
2024: €7k
2019 → 2025
Working capital
€43k
2024 · €-46k
2019: €32k
2020: €55k
2021: €87k
2022: €44k
2023: €51k
2024: €-46k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€29k▼ 61.2%€75k▲ 162%€82k▲ 9.4%€113k▲ 37.5%
Operating result€38k-€36k▼ 5.4%€62k▲ 73.9%€18k▼ 70.6%€48k▲ 165%
Net result€29k-€28k▼ 5.9%€50k▲ 80.4%€7k▼ 85.9%€31k▲ 338%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 165% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €619k
Fixed assets
€397k▼ 6.6%
Current assets
€223k▲ 259%
Equity and liabilities €619k
Equity
€113k▲ 37.5%
Debt
€507k▲ 25.1%
The debt ratio falls from 83.1% to 81.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€84k▲
2024 · €52k
Cash flow
€66k▲
2024 · €41k
Solvency
18.2%▲
2024 · 16.9%
Current ratio
1.24▲
2024 · 0.58
Quick ratio
1.24▲
2024 · 0.58
Debt / equity
4.49▼
2024 · 4.93
ROE
27.3%▲
2024 · 8.6%
ROA
5.0%▲
2024 · 1.4%
Interest coverage
4.91▲
2024 · 4.73
Debt
€507k▲
2024 · €405k
Debt ≤ 1 year
€180k▲
2024 · €108k
Debt > 1 year
€318k▲
2024 · €293k
Income taxes
€2k▲
2024 · €138
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€487k€619k▲
Fixed assets21/28€425k€397k▼
Tangible fixed assets22/27€425k€397k▼
Land and buildings22€409k€395k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€12k-
Current assets29/58€62k€223k▲
Amounts receivable within one year40/41€13k€17k▲
Trade receivables40€13k€16k▲
Other amounts receivable41€373€779▲
Current investments50/53€250€120k▲
Cash at bank and in hand54/58€47k€84k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€487k€619k▲
Equity10/15€82k€113k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€81k€112k▲
Amounts payable17/49€405k€507k▲
Amounts payable after more than one year17€293k€318k▲
Financial debts170/4€293k€318k▲
Amounts payable within one year42/48€108k€180k▲
Current portion of amounts payable after more than one year42€10k€25k▲
Trade debts44€21k€2k▼
Suppliers440/4€21k€2k▼
Taxes, remuneration and social security45€4k€10k▲
Taxes450/3€4k€10k▲
Other amounts payable47/48€72k€143k▲
Accrued charges and deferred income492/3€4k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€35k▲
Other operating charges640/8€555€560▲
Gross operating margin9900€53k€84k▲
Operating profit (loss)9901€18k€48k▲
Financial income75/76B€36€1k▲
Recurring financial income75€36€1k▲
Financial charges65/66B€11k€17k▲
Recurring financial charges65€11k€17k▲
Profit (loss) for the period before taxes9903€7k€32k▲
Income taxes67/77€138€2k▲
Profit (loss) for the period9904€7k€31k▲
Profit (loss) for the period to be appropriated9905€7k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€112k▲
Profit (loss) brought forward from the previous period14P€74k€81k▲
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
Next filing, fiscal year 2026, expected by
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 1.24
Current ratio from 0.58 to 1.24.
30-06
Financial
Equity above €100kEq €113k ▲37.5%
7 profitable years in a row build equity to €113k.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €7k ▼85.9%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €50k ▲80.4%
Operating result €62k, net result €50k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Heist-op-den-Berg · 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.
Elsschot 262221 Heist-op-den-BergGround area
584 m²
Building footprint
190 m²
Parcel 12006D0961/00C002, Flanders. Linked by address, not a title deed.
1 establishment unit
VR-CL CONSULTING
since 20182.276.572.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12006D0961/00C002 | Flanders | 584 m² | 1 · 190 m² | - |
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 · 59 EUR awarded · 59 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 59 EUR | 59 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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ANALYSES COMPTABLES
BE 0474.172.622
Wavre · Eq €113k
Of 12,173 companies in sector 69201 we hold annual accounts for 7,639. 6,506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2018
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
55203Holiday cottages, homes and apartments
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.