VVD OFFICE
ActiveVVD OFFICE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €40k. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 35% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+3
Solvency62▲+13
Growth52=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 0.69 in 2024; short-term debt: 16.6% and cash: 3.8% of total assets), and 63.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
36.8%
Return on assets
11.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
18 d early
2024
21 d late
2023
19 d late
2022
21 d late
2021
12 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▲ 46.7%
2024 · €86k
2021: €49k
2022: €95k
2023: €147k
2024: €86k
2021 → 2025
Total assets
€343k▼ 5.4%
2024 · €363k
2021: €65k
2022: €127k
2023: €177k
2024: €363k
2021 → 2025
Net result
€40k▲ 26.0%
2024 · €32k
2021: €46k
2022: €46k
2023: €51k
2024: €32k
2021 → 2025
Working capital
€2k
2024 · €-34k
2021: €45k
2022: €88k
2023: €151k
2024: €-34k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€95k▲ 93.1%€147k▲ 53.7%€86k▼ 41.3%€126k▲ 46.7%
Operating result€60k-€59k▼ 0.9%€66k▲ 11.4%€41k▼ 37.0%€66k▲ 59.4%
Net result€46k-€46k▼ 0.9%€51k▲ 11.3%€32k▼ 37.7%€40k▲ 26.0%
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 59% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €343k
Fixed assets
€283k▼ 1.1%
Current assets
€59k▼ 21.8%
Equity and liabilities €343k
Equity
€126k▲ 46.7%
Debt
€217k▼ 21.6%
The debt ratio falls from 76.3% to 63.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€83k▲
2024 · €48k
Cash flow
€57k▲
2024 · €38k
Solvency
36.8%▲
2024 · 23.7%
Current ratio
1.04▲
2024 · 0.69
Quick ratio
1.04▲
2024 · 0.69
Debt / equity
1.72▼
2024 · 3.22
ROE
31.8%▼
2024 · 37.0%
ROA
11.7%▲
2024 · 8.8%
Interest coverage
7.49▼
2024 · 7.51
Debt
€217k▼
2024 · €277k
Debt ≤ 1 year
€57k▼
2024 · €110k
Debt > 1 year
€156k▼
2024 · €162k
Income taxes
€15k▲
2024 · €4k
Staff costs
€2k▲
2024 · €-101
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€363k€343k▼
Fixed assets21/28€287k€283k▼
Intangible fixed assets21€933€602▼
Tangible fixed assets22/27€286k€283k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€1k€510▼
Other tangible fixed assets26€279k€279k▼
Current assets29/58€76k€59k▼
Amounts receivable within one year40/41€44k€46k▲
Trade receivables40€34k€46k▲
Other amounts receivable41€10k€79▼
Cash at bank and in hand54/58€32k€13k▼
Equity and liabilities
Total equity and liabilities10/49€363k€343k▼
Equity10/15€86k€126k▲
Contributions10/11€3k€3k=
Reserves13€83k€123k▲
Distributable reserves133€83k€123k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€277k€217k▼
Amounts payable after more than one year17€162k€156k▼
Financial debts170/4€162k€156k▼
Amounts payable within one year42/48€110k€57k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Financial debts43€4k€4k▼
Credit institutions430/8€4k€4k▼
Trade debts44€65k€5k▼
Suppliers440/4€65k€5k▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€16k€14k▼
Other amounts payable47/48€18k€28k▲
Accrued charges and deferred income492/3€5k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€-101€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€17k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€49k€87k▲
Operating profit (loss)9901€41k€66k▲
Financial income75/76B€916€238▼
Recurring financial income75€916€238▼
Financial charges65/66B€6k€11k▲
Recurring financial charges65€6k€11k▲
Profit (loss) for the period before taxes9903€36k€55k▲
Income taxes67/77€4k€15k▲
Profit (loss) for the period9904€32k€40k▲
Profit (loss) for the period to be appropriated9905€32k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€40k▲
Transfer from equity791/2€92k€0▼
Transfer to equity691/2€32k€40k▲
To other reserves6921€32k€40k▲
Profit to be distributed694/7€92k€0▼
Return on contributions (dividend)694€92k€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
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €126k ▲46.7%
5 profitable years in a row build equity to €126k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet €32k ▼37.7%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2021net €51k ▲11.3%
Net result €51k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 8.90
Current ratio from 3.75 to 8.90; short-term debt falls from €32k to €19k.
31-12
Financial
Equity above €100kEq €147k ▲53.7%
3 profitable years in a row build equity to €147k.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 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, Brugge · 1 establishment unit since 2020
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.
Sint-Annaplein 248000 BruggeGround area
186 m²
Building footprint
87 m²
Volume, LiDAR
825 m³
Parcel 31005A0519/00B004, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B&B Boutique 'Istoire'
since 20202.308.678.489
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31005A0519/00B004 | Flanders | 186 m² | 1 · 87 m² | 12.7 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,424 EUR awarded · 1,175 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,424 EUR | 1,175 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
VER'OLIVE
BE 0790.707.574
Stavelot · Eq €127k
CLUB OF THE ROOTS
BE 0677.478.979
Antwerpen · Eq €125k
KASTEELHOEVE de KERCKHEM
BE 0460.084.163
Nieuwerkerken (Limb.) · Eq €128k
Kurt De Scheerder
BE 0842.040.865
Oudenaarde · Eq €128k
DUENDE ART PROJECTS
BE 0872.444.823
Antwerpen · Eq €124k
Of 1,856 companies in sector 55204 we hold annual accounts for 449. 360 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2020
Fiscal year end31-12
Activities, NACEBEL
55204Guest rooms (bed and breakfast)
70200Business and other management consultancy
70220Business consulting
55209Other holiday and short-stay accommodation
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.