Summary
VVB HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.41M and a net result of €191k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 68% of 5527 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
99 d early
2023
14 d early
2022
18 d early
2021
25 d early
2020
12 d early
2019
14 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.41M▲ 15.7%
2024 · €1.22M
2018: €1.60M
2019: €1.40M
2020: €1.47M
2021: €1.47M
2022: €1.50M
2023: €1.74M
2024: €1.22M
2018 → 2025
Net result
€191k▼ 11.2%
2024 · €216k
2018: €-19k
2019: €442k
2020: €287k
2021: €304k
2022: €28k
2023: €245k
2024: €216k
2018 → 2025
Total assets
€1.97M▲ 7.2%
2024 · €1.84M
2018: €1.95M
2019: €1.87M
2020: €1.82M
2021: €1.87M
2022: €1.55M
2023: €1.97M
2024: €1.84M
2018 → 2025
Solvency
71.3%▲ 5.3pp
2024 · 66.1%
2018: 82.2%
2019: 74.8%
2020: 80.4%
2021: 78.7%
2022: 96.4%
2023: 88.4%
2024: 66.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.47M-€1.50M▲ 1.9%€1.74M▲ 16.4%€1.22M▼ 30.2%€1.41M▲ 15.7%
Operating result€-8k-€39k€36k▼ 7.6%€-5k€39k
Net result€304k-€28k▼ 90.9%€245k▲ 783%€216k▼ 12.1%€191k▼ 11.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €39k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€1.59M ▲ 14.5%
Current assets
€385k ▼ 15.0%
Equity and liabilities €1.97M
Equity
€1.41M ▲ 15.7%
Debt
€565k ▼ 9.4%
Debt's share of the balance-sheet total falls from 33.9% to 28.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
13.6%▼
2024 · 17.7%
ROA
9.7%▼
2024 · 11.7%
Debt ≤ 1 year
€495k▼
2024 · €513k
Debt > 1 year
€70k▼
2024 · €107k
Income taxes
€24k▼
2024 · €25k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.84M€1.97M▲
Fixed assets21/28€1.39M€1.59M▲
Tangible fixed assets22/27€109k€310k▲
Plant, machinery and equipment23€1k€450▼
Furniture and vehicles24€10k€219k▲
Other tangible fixed assets26€98k€90k▼
Financial fixed assets28€1.28M€1.28M=
Current assets29/58€453k€385k▼
Amounts receivable within one year40/41€425k€26k▼
Trade receivables40€182k€26k▼
Other amounts receivable41€243k€0▼
Cash at bank and in hand54/58€13k€338k▲
Deferred charges and accrued income490/1€15k€20k▲
Equity and liabilities
Total equity and liabilities10/49€1.84M€1.97M▲
Equity10/15€1.22M€1.41M▲
Contributions10/11€194k€194k=
Reserves13€1.02M€1.21M▲
Tax-exempt reserves132€6k€6k=
Distributable reserves133€1.02M€1.21M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€624k€565k▼
Amounts payable after more than one year17€107k€70k▼
Financial debts170/4€107k€70k▼
Amounts payable within one year42/48€513k€495k▼
Current portion of amounts payable after more than one year42€35k€36k▲
Financial debts43€573€40▼
Credit institutions430/8€573€40▼
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Taxes, remuneration and social security45€30k€19k▼
Taxes450/3€30k€19k▼
Other amounts payable47/48€442k€432k▼
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€43k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€59k▲
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A€58k€0▼
Gross operating margin9900€66k€100k▲
Operating profit (loss)9901€-5k€39k▲
Financial income75/76B€253k€200k▼
Recurring financial income75€253k€200k▼
Financial charges65/66B€7k€24k▲
Recurring financial charges65€7k€24k▲
Profit (loss) for the period before taxes9903€241k€215k▼
Income taxes67/77€25k€24k▼
Profit (loss) for the period9904€216k€191k▼
Profit (loss) for the period to be appropriated9905€216k€191k▼
Appropriation of the result
Profit (loss) to be appropriated9906€216k€191k▼
Transfer from equity791/2€576k€0▼
Transfer to equity691/2€216k€191k▼
To other reserves6921€216k€191k▼
Profit to be distributed694/7€576k€0▼
Return on contributions (dividend)694€576k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.18
Current ratio from 1.05 to 2.18; short-term debt falls from €392k to €57k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €442k
Net result €442k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
13-07
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
5 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, Knokke-Heist · 1 establishment unit since 2002
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.
Camille Lemonnierlaan 188300 Knokke-HeistGround area
2,180 m²
Building footprint
627 m²
Volume, LiDAR
5,536 m³
Parcel 31332G0715/00N015, Flanders · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VVB HOLDING
since 20022.095.804.962
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332G0715/00N015 | Flanders | 2,180 m² | 1 · 627 m² | 14.4 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,910 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
Founded22-02-2002
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
49330On-demand passenger transport by chauffeured vehicle
49410Freight transport by road
68110Buying and selling of own real estate
70200Business and other management consultancy
77110Renting and leasing of cars and light motor vehicles
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.