VVO Consultancy 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 €181k and a net result of €43k. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 5511 sector peers (fiscal year 2025). The company has been active since 2020 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
Three signals. 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 21-07-2026, 10 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
10 d early
2024
20 d early
2023
12 d early
2022
31 d late
2021
30 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€181k▲ 31.6%
2024 · €137k
2021: €47k
2022: €68k
2023: €116k
2024: €137k
2021 → 2025
Net result
€43k▲ 104%
2024 · €21k
2021: €42k
2022: €21k
2023: €48k
2024: €21k
2021 → 2025
Total assets
€247k▲ 10.5%
2024 · €224k
2021: €192k
2022: €201k
2023: €228k
2024: €224k
2021 → 2025
Solvency
73.1%▲ 11.7pp
2024 · 61.4%
2021: 24.7%
2022: 34.0%
2023: 50.8%
2024: 61.4%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€68k▲ 44.0%€116k▲ 70.1%€137k▲ 18.3%€181k▲ 31.6%
Operating result€61k-€35k▼ 43.6%€69k▲ 98.3%€36k▼ 48.2%€69k▲ 92.8%
Net result€42k-€21k▼ 50.8%€48k▲ 129%€21k▼ 55.7%€43k▲ 104%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 93% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€174k▲ 15.3%
Current assets
€73k▲ 0.3%
Equity and liabilities €247k
Equity
€181k▲ 31.6%
Debt
€66k▼ 23.1%
The debt ratio falls from 38.6% to 26.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
73.1%▲
2024 · 61.4%
ROE
24.0%▲
2024 · 15.5%
ROA
17.5%▲
2024 · 9.5%
Debt
€66k▼
2024 · €86k
Debt ≤ 1 year
€46k▲
2024 · €45k
Debt > 1 year
€20k▼
2024 · €41k
Income taxes
€23k▲
2024 · €12k
Staff costs
€1k▲
2024 · €464
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€224k€247k▲
Fixed assets21/28€151k€174k▲
Tangible fixed assets22/27€24k€20k▼
Furniture and vehicles24€24k€20k▼
Financial fixed assets28€127k€154k▲
Current assets29/58€72k€73k▲
Amounts receivable after more than one year29€20k€0▼
Other amounts receivable291€20k€0▼
Amounts receivable within one year40/41€28k€40k▲
Trade receivables40€10k€14k▲
Other amounts receivable41€18k€26k▲
Cash at bank and in hand54/58€25k€32k▲
Deferred charges and accrued income490/1€43€301▲
Equity and liabilities
Total equity and liabilities10/49€224k€247k▲
Equity10/15€137k€181k▲
Contributions10/11€5k€5k=
Reserves13€132k€176k▲
Distributable reserves133€132k€176k▲
Amounts payable17/49€86k€66k▼
Amounts payable after more than one year17€41k€20k▼
Financial debts170/4€41k€20k▼
Amounts payable within one year42/48€45k€46k▲
Current portion of amounts payable after more than one year42€20k€29k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€3k€755▼
Suppliers440/4€3k€755▼
Taxes, remuneration and social security45€22k€16k▼
Taxes450/3€22k€16k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€464€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€826€2k▲
Gross operating margin9900€40k€79k▲
Operating profit (loss)9901€36k€69k▲
Financial income75/76B€1k€283▼
Recurring financial income75€1k€283▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€33k€66k▲
Income taxes67/77€12k€23k▲
Profit (loss) for the period9904€21k€43k▲
Profit (loss) for the period to be appropriated9905€21k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€43k▲
Transfer to equity691/2€21k€43k▲
To other reserves6921€21k€43k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (14 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €150kEq €181k ▲31.6%
5 profitable years in a row build equity to €181k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €48k ▲129%
Operating result €69k, net result €48k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲70.1%
3 profitable years in a row build equity to €116k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €21k ▼50.8%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kasterlee · 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.
Rulloop 52460 KasterleeGround area
1,164 m²
Building footprint
233 m²
Volume, LiDAR
1,322 m³
2 parcels, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VVO Consultancy
since 20202.308.028.193
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017F0290/00B000 | Flanders | 760 m² | 1 · 128 m² | 8.4 m · 2 fl. |
| 13036F0450/00K000 | Flanders | 403 m² | 1 · 105 m² | 10.1 m · 2 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
VDV-S CONSULT
BE 0805.846.009
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ODK-SOLUTIONS
BE 1013.008.315
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DMCH
BE 0738.942.535
Namur · Eq €181k
Couwberghs Raf Management
BE 0734.645.732
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MAPA IMMO
BE 0667.863.707
Affligem · Eq €180k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.