VYNCKE & STAELENS
ActiveVYNCKE & STAELENS 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 €101k and a net result of €26k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 1418 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 1418 sector peers (2024).
NBB · sector comparisonPosition among 1418 sector peers
Solvency
better than 15%
← weakest
strongest →
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 23-06-2025, 38 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
36 d early
2022
34 d early
2021
32 d early
2020
29 d early
2019
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€101k▼ 42.3%
2023 · €176k
2018: €21k
2019: €21k
2020: €23k
2021: €23k
2022: €21k
2023: €176k
2018 → 2024
Net result
€26k▼ 93.6%
2023 · €405k
2018: €61k
2019: €132k
2020: €87k
2021: €56k
2022: €57k
2023: €405k
2018 → 2024
Total assets
€1.45M▲ 237%
2023 · €429k
2018: €636k
2019: €658k
2020: €556k
2021: €498k
2022: €429k
2023: €429k
2018 → 2024
Solvency
7.0%▼ 33.9pp
2023 · 40.9%
2018: 3.3%
2019: 3.1%
2020: 4.1%
2021: 4.7%
2022: 4.8%
2023: 40.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€23k-€23k▲ 2.8%€21k▼ 11.3%€176k▲ 744%€101k▼ 42.3%
Operating result€98k-€67k▼ 31.6%€68k▲ 2.4%€517k▲ 656%€61k▼ 88.2%
Net result€87k-€56k▼ 36.1%€57k▲ 3.1%€405k▲ 606%€26k▼ 93.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 88% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.45M
Fixed assets
€1.29M
Current assets
€158k
Equity and liabilities €1.45M
Equity
€101k▼ 42.3%
Debt
€1.34M▲ 430%
The debt ratio rises from 59.1% to 93.0%: debt grows while equity shrinks.
Key figures and ratios
Solvency
7.0%▼
2023 · 40.9%
ROE
25.4%▼
2023 · 230.6%
ROA
1.8%▼
2023 · 94.3%
Debt
€1.34M▲
2023 · €254k
Debt ≤ 1 year
€178k▼
2023 · €254k
Debt > 1 year
€1.17M
Income taxes
€15k▼
2023 · €107k
Staff costs
€217k▲
2023 · €81k
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€429k€1.45M▲
Fixed assets21/28-€1.29M
Intangible fixed assets21-€1.16M
Tangible fixed assets22/27-€128k
Land and buildings22-€13k
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€104k
Other tangible fixed assets26-€10k
Current assets29/58€429k€158k▼
Amounts receivable within one year40/41€57k€71k▲
Trade receivables40-€1k
Other amounts receivable41€57k€70k▲
Current investments50/53€300k-
Cash at bank and in hand54/58€71k€83k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€429k€1.45M▲
Equity10/15€176k€101k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€155k€81k▼
Amounts payable17/49€254k€1.34M▲
Amounts payable after more than one year17-€1.17M
Financial debts170/4-€1.17M
Amounts payable within one year42/48€254k€178k▼
Current portion of amounts payable after more than one year42-€119k
Trade debts44€2k€36k▲
Suppliers440/4€2k€36k▲
Taxes, remuneration and social security45-€22k
Remuneration and social security454/9-€22k
Other amounts payable47/48€252k€275▼
Income statement
Code20232024
Non-recurring operating income76A€525k-
Remuneration, social security and pensions62€81k€217k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€104k
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€11k
Gross operating margin9900€601k€394k▼
Operating profit (loss)9901€517k€61k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€6k€23k▲
Recurring financial charges65€6k€23k▲
Profit (loss) for the period before taxes9903€512k€40k▼
Income taxes67/77€107k€15k▼
Profit (loss) for the period9904€405k€26k▼
Profit (loss) for the period to be appropriated9905€405k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€405k€181k▼
Profit (loss) brought forward from the previous period14P€384€155k▲
Profit to be distributed694/7€250k€100k▼
Return on contributions (dividend)694€150k€100k▼
Directors or managers695€100k-
Social balance
Average headcount (FTE)90872.34.5▲
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
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €26k ▼93.6%
Net result drops to €26k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €405k ▲606%
Operating result €517k, net result €405k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.69
Current ratio from 0.55 to 1.69; short-term debt falls from €273k to €254k.
31-12
Financial
Equity above €150kEq €176k ▲744%
6 profitable years in a row build equity to €176k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oostende · 1 establishment unit since 2017
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.
Nieuwpoortsesteenweg 5598400 OostendeGround area
1,180 m²
Building footprint
313 m²
Volume, LiDAR
4,783 m³
Parcel 35385B0049/02A005, Flanders · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Vyncke & Staelens
since 20172.280.207.704
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0049/02A005 | Flanders | 1,180 m² | 1 · 313 m² | 19.2 m · 5 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
2022 to 2025 · 4 entries · 1,330 EUR awarded · 1,330 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 532 EUR | 532 EUR |
| 2024 | 1 | 381 EUR | 381 EUR |
| 2023 | 1 | 214 EUR | 214 EUR |
| 2022 | 1 | 203 EUR | 203 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,678 companies in sector 66191 we hold annual accounts for 1,227. 1,054 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2017
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.