VTk
ActiveSummary
VTk has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €753k and a net result of €379k. Equity is growing by ~91.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 913 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 5.79 against 2.45 in 2024; short-term debt: 14% and cash: 9.3% of total assets), and 14% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 77
Relative position
BE, all sectors
reference
Sector 77
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 2025Solvency, return and age of the figures
Solvency
86%
Return on assets
43.3%
Age of the figures
15 mo
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 13-11-2025, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
63 d early
2023
43 d early
2022
43 d early
2021
7 d early
2020
87 d early
2019
58 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€753k▲ 101%
2024 · €374k
2019: €21k
2020: €24k
2021: €47k
2022: €89k
2023: €94k
2024: €374k
2019 → 2025
Total assets
€875k▲ 70.5%
2024 · €513k
2019: €145k
2020: €162k
2021: €146k
2022: €180k
2023: €227k
2024: €513k
2019 → 2025
Net result
€379k▲ 35.1%
2024 · €280k
2019: €903
2020: €3k
2021: €23k
2022: €42k
2023: €5k
2024: €280k
2019 → 2025
Working capital
€584k▲ 210%
2024 · €189k
2019: €-94k
2020: €-90k
2021: €-68k
2022: €-21k
2023: €-61k
2024: €189k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€89k▲ 90.0%€94k▲ 5.2%€374k▲ 299%€753k▲ 101%
Operating result€33k-€4k▼ 87.2%€13k▲ 207%€21k▲ 57.9%€21k▲ 3.3%
Net result€23k-€42k▲ 86.2%€5k▼ 89.1%€280k▲ 5,998%€379k▲ 35.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €875k
Fixed assets
€169k ▼ 13.2%
Current assets
€706k ▲ 121%
Equity and liabilities €875k
Equity
€753k ▲ 101%
Debt
€122k ▼ 12.3%
Debt's share of the balance-sheet total falls from 27.1% to 14.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€62k▲
2024 · €54k
Cash flow
€419k▲
2024 · €314k
Current ratio
5.79▲
2024 · 2.45
Debt to equity
0.16▼
2024 · 0.37
ROE
50.3%▼
2024 · 75.0%
ROA
43.3%▼
2024 · 54.6%
Interest coverage
9.34▲
2024 · 7.37
Debt ≤ 1 year
€122k▼
2024 · €130k
Debt > 1 year
€0▼
2024 · €9k
Income taxes
€44k▲
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€513k€875k▲
Fixed assets21/28€194k€169k▼
Tangible fixed assets22/27€94k€69k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€94k€68k▼
Financial fixed assets28€100k€100k=
Current assets29/58€319k€706k▲
Amounts receivable within one year40/41€15k€221k▲
Trade receivables40€15k€24k▲
Other amounts receivable41€0€197k▲
Current investments50/53-€399k
Cash at bank and in hand54/58€298k€81k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€513k€875k▲
Equity10/15€374k€753k▲
Contributions10/11€7k€7k=
Reserves13€367k€746k▲
Non-distributable reserves130/1€660€660=
Reserves not available under the articles1311€660€660=
Distributable reserves133€367k€745k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€139k€122k▼
Amounts payable after more than one year17€9k€0▼
Financial debts170/4€9k€0▼
Amounts payable within one year42/48€130k€122k▼
Current portion of amounts payable after more than one year42€17k€7k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€27k€41k▲
Taxes450/3€27k€41k▲
Other amounts payable47/48€82k€69k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€41k▲
Other operating charges640/8€7k€7k▲
Gross operating margin9900€61k€69k▲
Operating profit (loss)9901€21k€21k▲
Financial income75/76B€299k€408k▲
Recurring financial income75€299k€408k▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€312k€423k▲
Income taxes67/77€32k€44k▲
Profit (loss) for the period9904€280k€379k▲
Profit (loss) for the period to be appropriated9905€280k€379k▲
Appropriation of the result
Profit (loss) to be appropriated9906€279k€379k▲
Profit (loss) brought forward from the previous period14P€-1k€0▲
Transfer from equity791/2€1k€0▼
Transfer to equity691/2€280k€379k▲
To other reserves6921€280k€379k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (13 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
13-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2019net €379k ▲35.1%
Net result €379k, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 5.79
Current ratio from 2.45 to 5.79; short-term debt falls from €130k to €122k.
30-06
Financial
Equity above €500kEq €753k ▲101%
7 profitable years in a row build equity to €753k.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Liquidity times 6current ratio 2.45
Current ratio from 0.43 to 2.45.
30-06
Financial
Equity above €200kEq €374k ▲299%
6 profitable years in a row build equity to €374k.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-11
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, Zoersel · 1 establishment unit since 2001
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.
Hendrik Consciencelaan 82980 ZoerselGround area
1,159 m²
Building footprint
138 m²
Volume, LiDAR
754 m³
Parcel 11055D0106/00F007, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VTK
since 20012.116.575.038
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055D0106/00F007 | Flanders | 1,159 m² | 1 · 138 m² | 7.1 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500F37EDSDY56D353
Similar companies · same sector, comparable size
CLOET LIVESTOCK
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BE 1017.420.132
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Rudi Das
BE 0821.517.051
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CHAVATTE
BE 0458.026.971
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CARCITY-LOKEREN
BE 0895.558.735
Antwerpen · Eq €737,910
Of 1,443 companies in sector 77110 we hold annual accounts for 727. 387 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2001
Fiscal year end30-06
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.