VTB-PRO
ActiveThe computed 12-month bankruptcy probability of VTB-PRO is 2.6% (moderate). The 2025 annual accounts show equity of €153k and a net result of €13k. Equity is growing by ~61.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 3452 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability43▼-57
Solvency7▼-31
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity short (current ratio 0.15 against 0.6 in 2024), and 89.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
10.4%
Return on assets
0.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3452 sector peers (2025).
NBB · sector comparisonPosition among 3452 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
69 d late
2023
12 d early
2022
67 d late
2021
22 d late
2020
58 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€153k▲ 9.3%
2024 · €140k
2020: €18k
2021: €33k
2022: €49k
2023: €80k
2024: €140k
2020 → 2025
Total assets
€1.47M▲ 219%
2024 · €462k
2020: €27k
2021: €73k
2022: €376k
2023: €452k
2024: €462k
2020 → 2025
Net result
€13k▼ 78.2%
2024 · €60k
2020: €17k
2021: €16k
2022: €16k
2023: €31k
2024: €60k
2020 → 2025
Working capital
€-225k▼ 364%
2024 · €-49k
2020: €15k
2021: €31k
2022: €-73k
2023: €-82k
2024: €-49k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€49k▲ 47.2%€80k▲ 63.4%€140k▲ 75.1%€153k▲ 9.3%
Operating result€21k-€29k▲ 42.0%€52k▲ 75.1%€94k▲ 83.0%€53k▼ 43.8%
Net result€16k-€16k▲ 1.0%€31k▲ 97.7%€60k▲ 93.4%€13k▼ 78.2%
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 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.47M
Fixed assets
€1.44M▲ 268%
Current assets
€39k▼ 46.4%
Equity and liabilities €1.47M
Equity
€153k▲ 9.3%
Debt
€1.32M▲ 310%
The debt ratio rises from 69.7% to 89.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€99k▼
2024 · €122k
Cash flow
€59k▼
2024 · €88k
Solvency
10.4%▼
2024 · 30.3%
Current ratio
0.15▼
2024 · 0.60
Quick ratio
0.06▼
2024 · 0.41
Debt / equity
8.64▲
2024 · 2.30
ROE
8.5%▼
2024 · 42.9%
ROA
0.9%▼
2024 · 13.0%
Interest coverage
2.95▼
2024 · 12.55
Debt
€1.32M▲
2024 · €322k
Debt ≤ 1 year
€264k▲
2024 · €120k
Debt > 1 year
€1.06M▲
2024 · €202k
Income taxes
€6k▼
2024 · €25k
Staff costs
€112k▼
2024 · €122k
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€462k€1.47M▲
Fixed assets21/28€390k€1.44M▲
Tangible fixed assets22/27€390k€1.44M▲
Land and buildings22€318k€1.37M▲
Plant, machinery and equipment23€14k€19k▲
Furniture and vehicles24€58k€44k▼
Financial fixed assets28€278€278=
Current assets29/58€72k€39k▼
Stocks and contracts in progress3€23k€22k▼
Stocks30/36€23k€22k▼
Amounts receivable within one year40/41€4k€6k▲
Trade receivables40€4k€6k▲
Cash at bank and in hand54/58€45k€10k▼
Deferred charges and accrued income490/1€208€883▲
Equity and liabilities
Total equity and liabilities10/49€462k€1.47M▲
Equity10/15€140k€153k▲
Contributions10/11€1k€1k=
Reserves13€91k€104k▲
Distributable reserves133€91k€104k▲
Profit (loss) carried forward14€48k€48k=
Amounts payable17/49€322k€1.32M▲
Amounts payable after more than one year17€202k€1.06M▲
Financial debts170/4€202k€1.06M▲
Amounts payable within one year42/48€120k€264k▲
Current portion of amounts payable after more than one year42€38k€86k▲
Trade debts44€13k€55k▲
Suppliers440/4€13k€55k▲
Taxes, remuneration and social security45€39k€47k▲
Taxes450/3€23k€34k▲
Remuneration and social security454/9€15k€14k▼
Other amounts payable47/48€31k€75k▲
Income statement
Code20242025
Remuneration, social security and pensions62€122k€112k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€46k▲
Other operating charges640/8€3k€6k▲
Non-recurring operating charges66A€11k-
Gross operating margin9900€258k€218k▼
Operating profit (loss)9901€94k€53k▼
Financial income75/76B€52€56▲
Recurring financial income75€52€56▲
Financial charges65/66B€10k€34k▲
Recurring financial charges65€10k€34k▲
Profit (loss) for the period before taxes9903€85k€19k▼
Income taxes67/77€25k€6k▼
Profit (loss) for the period9904€60k€13k▼
Profit (loss) for the period to be appropriated9905€60k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€108k€61k▼
Profit (loss) brought forward from the previous period14P€48k€48k=
Transfer to equity691/2€60k€13k▼
To other reserves6921€60k€13k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €13k ▼78.2%
Net result drops to €13k, the lowest in the series.
31-12
Financial
Equity above €150kEq €153k ▲9.3%
6 profitable years in a row build equity to €153k.
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
31-12
Financial
Highest result since 2020net €60k ▲93.4%
Operating result €94k, net result €60k, both a record.
31-12
Financial
Equity above €100kEq €140k ▲75.1%
5 profitable years in a row build equity to €140k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
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, Brussel · 1 establishment unit since 2019
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.
Middelweg 134D1130 BrusselGround area
1.4 ha
Building footprint
3,492 m²
Volume, LiDAR
26,236 m³
2 parcels, Brussels · tallest building 33.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VTB-PRO
since 20192.294.140.763
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21821B0501/00E000 | Brussels | 1.3 ha | 1 · 3,375 m² | 33.2 m · 2 fl. |
| 21819D0118/00N003 | Brussels | 311 m² | 1 · 117 m² | 9.9 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
AZIZ
BE 0463.902.401
Lokeren · Eq €153k
GARAGE BOMANS
BE 0441.993.564
Maaseik · Eq €153k
FJA Distribution
BE 0691.739.563
Wavre · Eq €153k
JCS CARS
BE 0832.109.451
Zedelgem · Eq €152k
GARAGE VANDENBUSSCHE RIK
BE 0445.916.819
Roeselare · Eq €153k
Of 10,618 companies in sector 47811 we hold annual accounts for 5,192. 3,691 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2019
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
95319Other maintenance and repair of motor vehicles
47820Retail sale of motor vehicle parts and accessories
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.