Active BE 0751.555.901Private limited company

VSJ TECHNICS

Fabriekstraat 17 ·2547 Lint, Belgium· 6 yrs active

Sector: Business and other management consultancy (70200)

Conclusion Checked

VSJ TECHNICS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €19k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 38% of 30893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€26k
Net result	€19k
Better than sector	38%
Active	6 yrs

Financial profile 5 of 5 axes measured · computed by Checked

90 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 100

Solvency 77

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.4% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€3k

estimate, not credit advice

Score history

75 2021

93 2022

52 2023

100 2024

94 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 1.60 (≥ 1.5) +10

Quick ratio Quick ratio 1.60 (≥ 1.0) +5

Leverage Debt/equity 1.41 (< 2.0) +3

Profitability ROE 75% (≥ 10%) +10

Interest coverage Interest coverage 61.2× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview5 NBB filings

Annual accounts filed on 23-12-2025 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~13.1%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	41.6%	55.9%	better than 38% of 30893 sector peers
Net result	€19k	€27k	better than 43% of 30902 sector peers
Equity	€26k	€83k	better than 27% of 30919 sector peers
Gross operating margin	€28k	€54k	better than 34% of 30861 sector peers
Total assets	€63k	€186k	better than 19% of 30907 sector peers

EBITDA

€27k

+37.7% 21-25

Net profit

€19k

+40.8% 21-25

Cash flow

€21k

+36.9% 21-25

Total assets

€63k

+55.0% 21-25

Equity

€26k

+7.9% 21-25

Working capital

€20k

-9.6% 21-25

Income taxes

€6k

+40.2% 21-25

Dividends

€18k

+288.9% 21-25

Debt

€37k

+124.8% 21-25

Debt ≤ 1y

€34k

+110.2% 21-25

Debt > 1y

€2k

- 21-25

Current ratio

1.60

-33.1% 21-25

Quick ratio

1.60

-33.1% 21-25

Solvency

41.6%

-30.4% 21-25

Debt / equity

1.41

+108.4% 21-25

ROE

74.5%

+30.5% 21-25

ROA

31.0%

-9.2% 21-25

Interest coverage

61.23

+79.9% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€27k	€20k	€524	€6k	€22k
Net profit	€19k	€14k	€-2k	€3k	€16k
Cash flow	€21k	€15k	€-681	€4k	€17k
Staff costs	-	-	-	-	-
Income taxes	€6k	€4k	€317	€1k	€4k
Dividends	€18k	€5k	€800	€800	€800
Total assets	€63k	€40k	€29k	€30k	€31k
Equity	€26k	€24k	€15k	€18k	€16k
Debt	€37k	€16k	€15k	€12k	€15k
of which ≤ 1y	€34k	€16k	€15k	€12k	€15k
of which > 1y	€2k	-	-	-	-
Working capital	€20k	€23k	€12k	€15k	€14k
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	1.60	2.39	1.84	2.29	1.90
Quick ratio	1.60	2.39	1.84	2.29	1.90
Working capital ratio	32.6%	55.8%	41.7%	51.2%	43.6%
Solvency	41.6%	59.7%	50.6%	60.3%	51.6%
Debt / equity	1.41	0.67	0.98	0.66	-
Long-term debt ratio	0.09	-	-	-	-
Interest coverage	61.23	34.04	0.59	5.18	-
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	31.0%	34.1%	-7.7%	8.8%	52.6%
ROE	74.5%	57.1%	-15.1%	14.6%	101.9%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €8k · 12.8% Current assets €55k · 87.2%

Equity & liabilities

Equity €26k · 41.6% Debt €37k · 58.4%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€63k	€40k	€29k	€30k	€31k
Fixed assets	21/28	€8k	€2k	€3k	€3k	€2k
Tangible fixed assets	22/27	€8k	€2k	€3k	€3k	€2k
Current assets	29/58	€55k	€39k	€27k	€27k	€29k
Amounts receivable within one year	40/41	€15k	€14k	€11k	€9k	€19k
Cash & bank	54/58	€37k	€22k	€12k	€16k	€7k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€63k	€40k	€29k	€30k	€31k
Equity	10/15	€26k	€24k	€15k	€18k	€16k
Contributions / capital	10/11	€500	€500	€500	€500	-
Reserves	13	€26k	€24k	€14k	€17k	€16k
Accumulated profits (losses)	14	€0	€0	€0	€0	-
Amounts payable	17/49	€37k	€16k	€15k	€12k	€15k
Amounts payable after one year	17	€2k	-	-	-	-
Amounts payable within one year	42/48	€34k	€16k	€15k	€12k	€15k
Trade debts payable within one year	44	€3k	€2k	€5k	€2k	€2k
Income statement
Gross operating margin	9900	€28k	€21k	€834	€6k	€23k
Operating result	9901	€26k	€18k	€-1k	€5k	€22k
Financial income	75	€0	€270	€0	-	-
Financial charges	65	€447	€584	€887	€1k	€1k
Result before taxes	9903	€26k	€18k	€-2k	€4k	€21k
Income taxes	67/77	€6k	€4k	€317	€1k	€4k
Net result for the period	9904	€19k	€14k	€-2k	€3k	€16k
Result to be appropriated	9905	€19k	€14k	€-2k	€3k	€16k

Legal Structure

NACE primary	Business and other management consultancy(70200)
Legal form	Private limited company(610)
Incorporation	28-07-2020
Status	Active
Postal code	2547

Establishment units 1 location

VSJ TECHNICS

Fabriekstraat 17, 2547 LintSpecialised construction activities

since 20202.305.386.627

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11025C0623/00Y005	Flanders	6,883 m²	1 · 288 m²	13.6 m · 3 fl.

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.

Updates 7 events

All 10Financial 3Gazette 2Filings 5

Next filing, fiscal year 2026, expected by 31-01-2027

2026

04-02

State Gazette act Director changes

v3.2

2025

23-12

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

30-06

Financial Highest result since 2021net €19k ▲40.8%

Operating result €26k, net result €19k, both a record.

2024

17-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

30-06

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

03-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-06

Financial Weakest financial yearnet €-2k ▼186%

Net result drops to €-2k, the lowest in the series; recovery starts the following year.

2022

20-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2021

03-12

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2020

30-07

State Gazette act Incorporation

oprichting

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 7 months ago

2026

04-02-2026 Change in the board of directors Director changes

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0751.555.901",
    "name_full": "VSJ TECHNICS",
    "legal_form": "BV"
  }
}

2020

30-07-2020 Incorporation of a new BV Incorporation

Summary: oprichting

Original publication ↗

Technical details

{
  "kind": "oprichting",
  "seat": "2547 Lint, Fabriekstraat 17 bus 3R",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1966-04-26",
        "name": "VAN STAEYEN Joris Jan Theo",
        "niss": null,
        "address": "2547 Lint, Fabriekstraat 17 3R"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 500,
      "holder_person_name": "VAN STAEYEN Joris Jan Theo",
      "is_subscriber_only": false,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 500,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 500,
  "subject_company": {
    "kbo": "0751.555.901",
    "name_full": "VSJ TECHNICS",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2020-07-28",
  "post_incorporation_mandates": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Business and other management consultancy70200Business consulting70220

Names & trade names

Legal nameNL

VSJ TECHNICS

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