vWv is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €436k and a net result of €108k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 3325 sector peers (fiscal year 2024). The company has been active since 2009 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
35 d early
2022
41 d early
2021
36 d early
2020
40 d early
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€436k▲ 32.9%
2023 · €328k
2018: €145k
2019: €151k
2020: €198k
2021: €199k
2022: €267k
2023: €328k
2018 → 2024
Net result
€108k▲ 77.4%
2023 · €61k
2018: €-38k
2019: €57k
2020: €47k
2021: €30k
2022: €111k
2023: €61k
2018 → 2024
Total assets
€1.87M▼ 10.6%
2023 · €2.09M
2018: €179k
2019: €238k
2020: €262k
2021: €816k
2022: €774k
2023: €2.09M
2018 → 2024
Solvency
23.4%▲ 7.6pp
2023 · 15.7%
2018: 80.8%
2019: 63.5%
2020: 75.6%
2021: 24.4%
2022: 34.6%
2023: 15.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€198k-€199k▲ 0.3%€267k▲ 34.3%€328k▲ 22.7%€436k▲ 32.9%
Operating result€71k-€44k▼ 38.3%€173k▲ 292%€98k▼ 43.1%€214k▲ 118%
Net result€47k-€30k▼ 37.0%€111k▲ 273%€61k▼ 45.1%€108k▲ 77.4%
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 2024; 2024 is 118% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.87M
Fixed assets
€1.74M▼ 10.4%
Current assets
€130k▼ 13.0%
Equity and liabilities €1.87M
Equity
€436k▲ 32.9%
Debt
€1.43M▼ 18.7%
The debt ratio falls from 84.3% to 76.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
23.4%▲
2023 · 15.7%
ROE
24.7%▲
2023 · 18.5%
ROA
5.8%▲
2023 · 2.9%
Debt
€1.43M▼
2023 · €1.76M
Debt ≤ 1 year
€236k▼
2023 · €390k
Debt > 1 year
€1.19M▼
2023 · €1.37M
Income taxes
€61k▲
2023 · €32k
Staff costs
€388k▲
2023 · €311k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.09M€1.87M▼
Fixed assets21/28€1.94M€1.74M▼
Intangible fixed assets21€1.91M€1.71M▼
Tangible fixed assets22/27€25k€23k▼
Plant, machinery and equipment23€17k€18k▲
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28-€6k
Current assets29/58€149k€130k▼
Amounts receivable within one year40/41€91k€102k▲
Trade receivables40€89k€100k▲
Other amounts receivable41€1k€1k=
Cash at bank and in hand54/58€16k€7k▼
Deferred charges and accrued income490/1€43k€21k▼
Equity and liabilities
Total equity and liabilities10/49€2.09M€1.87M▼
Equity10/15€328k€436k▲
Contributions10/11€19k€19k=
Reserves13€309k€417k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€307k€415k▲
Profit (loss) carried forward14€763-
Amounts payable17/49€1.76M€1.43M▼
Amounts payable after more than one year17€1.37M€1.19M▼
Financial debts170/4€1.37M€1.19M▼
Amounts payable within one year42/48€390k€236k▼
Current portion of amounts payable after more than one year42€171k€175k▲
Trade debts44€180k€11k▼
Suppliers440/4€180k€11k▼
Taxes, remuneration and social security45€38k€48k▲
Taxes450/3-€1k
Remuneration and social security454/9€38k€47k▲
Other amounts payable47/48€1k€1k=
Accrued charges and deferred income492/3€155-
Income statement
Code20232024
Non-recurring operating income76A€4k€14k▲
Remuneration, social security and pensions62€311k€388k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€72k€217k▲
Other operating charges640/8€2k€707▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€483k€822k▲
Operating profit (loss)9901€98k€214k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€8k€50k▲
Recurring financial charges65€8k€50k▲
Profit (loss) for the period before taxes9903€92k€168k▲
Income taxes67/77€32k€61k▲
Profit (loss) for the period9904€61k€108k▲
Profit (loss) for the period to be appropriated9905€61k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€109k▲
Profit (loss) brought forward from the previous period14P€730€763▲
Transfer to equity691/2€61k€109k▲
To other reserves6921€61k€109k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €111k ▲273%
Net result €111k, the highest in the series.
31-12
Financial
Equity above €200kEq €267k ▲34.3%
4 profitable years in a row build equity to €267k.
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €57k
Net result €57k after one loss-making year.
31-12
Financial
Equity above €150kEq €151k ▲4.7%
Equity rises from €145k to €151k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
24-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Antwerpen · 2 establishment units since 2009
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.
Hoogpadlaan 1252180 AntwerpenGround area
3,380 m²
Building footprint
1,744 m²
Volume, LiDAR
16,054 m³
2 parcels, Flanders · tallest building 14.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Hoogpadlaan 125, 2180 Antwerpen
since 20092.178.963.458
vWverzekeringen
since 20232.353.027.582
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11018B0027/00E002 | Flanders | 2,744 m² | 1 · 1,630 m² | 14.5 m · 3 fl. |
| 11363E0134/00Z002 | Flanders | 636 m² | 1 · 113 m² | 9.2 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.
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2009
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.