Summary
Vanbreda Mediùs 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 €646k and a net result of €3.18M. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 12% of 1475 sector peers (fiscal year 2025). The company has been active since 1968 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 check for your own amount and term
Signals
Two 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 12% of 1475 sector peers (2025).
NBB · sector comparisonPosition among 1475 sector peers
Solvency
better than 12%
← weakest
strongest →
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 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 d early
2024
128 d early
2023
126 d early
2022
132 d early
2021
103 d early
2020
116 d early
2019
135 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€646k▼ 44.4%
2024 · €1.16M
2018: €246k
2019: €247k
2020: €248k
2021: €880k
2022: €3.35M
2023: €1.15M
2024: €1.16M
2018 → 2025
Net result
€3.18M▼ 2.5%
2024 · €3.27M
2018: €1.26M
2019: €1.47M
2020: €1.14M
2021: €3.05M
2022: €2.48M
2023: €2.84M
2024: €3.27M
2018 → 2025
Total assets
€14.10M▲ 40.7%
2024 · €10.02M
2018: €7.72M
2019: €7.96M
2020: €9.33M
2021: €9.87M
2022: €12.21M
2023: €15.52M
2024: €10.02M
2018 → 2025
Solvency
4.6%▼ 7.0pp
2024 · 11.6%
2018: 3.2%
2019: 3.1%
2020: 2.7%
2021: 8.9%
2022: 27.5%
2023: 7.4%
2024: 11.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€880k-€3.35M▲ 281%€1.15M▼ 65.9%€1.16M▲ 1.3%€646k▼ 44.4%
Operating result€4.15M-€3.35M▼ 19.2%€3.74M▲ 11.5%€4.23M▲ 13.2%€4.22M▼ 0.4%
Net result€3.05M-€2.48M▼ 18.8%€2.84M▲ 14.7%€3.27M▲ 15.0%€3.18M▼ 2.5%
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 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.10M
Fixed assets
€438k ▼ 26.0%
Current assets
€13.66M ▲ 44.9%
Equity and liabilities €14.10M
Equity
€646k ▼ 44.4%
Debt
€13.45M ▲ 51.9%
Debt's share of the balance-sheet total rises from 88.4% to 95.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
493.3%▲
2024 · 281.4%
ROA
22.6%▼
2024 · 32.6%
Debt ≤ 1 year
€12.88M▲
2024 · €8.61M
Income taxes
€1.09M▼
2024 · €1.12M
Staff costs
€3.64M▲
2024 · €3.46M
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10.02M€14.10M▲
Fixed assets21/28€592k€438k▼
Intangible fixed assets21€563k€413k▼
Tangible fixed assets22/27€20k€16k▼
Plant, machinery and equipment23€20k€16k▼
Financial fixed assets28€9k€10k▲
Current assets29/58€9.43M€13.66M▲
Amounts receivable within one year40/41€3.37M€8.17M▲
Trade receivables40€3.31M€8.07M▲
Other amounts receivable41€59k€99k▲
Cash at bank and in hand54/58€6.02M€5.46M▼
Deferred charges and accrued income490/1€32k€31k▼
Equity and liabilities
Total equity and liabilities10/49€10.02M€14.10M▲
Equity10/15€1.16M€646k▼
Contributions10/11€212k€212k=
Capital10€211k€211k=
Issued capital100€211k€211k=
Outside capital11€1k€1k=
Share premium1100/10€1k€1k=
Reserves13€949k€434k▼
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Tax-exempt reserves132€884k-
Distributable reserves133€44k€413k▲
Amounts payable17/49€8.86M€13.45M▲
Amounts payable within one year42/48€8.61M€12.88M▲
Trade debts44€4.65M€8.45M▲
Suppliers440/4€4.65M€8.45M▲
Taxes, remuneration and social security45€708k€723k▲
Taxes450/3€34k€2k▼
Remuneration and social security454/9€674k€721k▲
Other amounts payable47/48€3.25M€3.70M▲
Accrued charges and deferred income492/3€248k€578k▲
Income statement
Code20242025
Non-recurring operating income76A€55k-
Remuneration, social security and pensions62€3.46M€3.64M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€176k€156k▼
Other operating charges640/8€3k€7k▲
Gross operating margin9900€7.87M€8.02M▲
Operating profit (loss)9901€4.23M€4.22M▼
Financial income75/76B€163k€63k▼
Recurring financial income75€163k€63k▼
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€4.39M€4.28M▼
Income taxes67/77€1.12M€1.09M▼
Profit (loss) for the period9904€3.27M€3.18M▼
Transfer from tax-exempt reserves789-€884k
Profit (loss) for the period to be appropriated9905€3.27M€4.07M▲
Appropriation of the result
Profit (loss) to be appropriated9906€3.27M€4.07M▲
Transfer from equity791/2-€515k
Transfer to equity691/2€15k€884k▲
To other reserves6921€15k€884k▲
Profit to be distributed694/7€3.25M€3.70M▲
Return on contributions (dividend)694€3.25M€3.70M▲
Social balance
Average headcount (FTE)908732.834.0▲
The notes to these accounts (12 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €3.27M ▲15%
Operating result €4.23M, net result €3.27M, both a record.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €2MEq €3.35M ▲281%
5 profitable years in a row build equity to €3.35M.
19-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €880k ▲255%
4 profitable years in a row build equity to €880k.
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €1.14M ▼22.2%
Net result drops to €1.14M, the lowest in the series; recovery starts the following year.
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 19 acts read
About the unread acts
We know of 19 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
19 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 1969
Ground area
9,621 m²
Building footprint
2,750 m²
Volume, LiDAR
60,482 m³
2 parcels, Flanders · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
Mediùs
since 19692.002.286.965
Mediùs
since 19992.142.796.316
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0326/00F008 | Flanders | 9,291 m² | 1 · 2,425 m² | 34.5 m · 9 fl. |
| 13376G0663/00F018 | Flanders | 330 m² | 1 · 325 m² | 20.1 m · 3 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.
Structure & network
Ownership & control
2 parent companiesControl over this companyparent company per the LEI register2
Antwerpen
Antwerpen · indirect
controls
Vanbreda MediùsBE 0406.096.042
Recognitions · licences · registrations
Legal Entity Identifier
549300GM8D01WYG4KM53
Similar companies · same sector, comparable size
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ONIVA
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GROUPASSUR LIEGE
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VERZEKERINGEN SOMERS
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Vorselaar · Eq €647,256
Of 4,677 companies in sector 66220 we hold annual accounts for 3,221. 2,466 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 formPublic limited company
Founded30-12-1968
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.