ADVOCAAT CURD VANACKER
ActiveADVOCAAT CURD VANACKER has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €380k and a net result of €12k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 75% of 3259 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-70
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.23 against 2.78 in 2024), and 27.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
72.4%
Return on assets
2.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
on the day
2021
4 d early
2020
1 d late
2019
on the day
← 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, abbreviated schema
Equity
€380k▲ 3.3%
2024 · €368k
2019: €229k
2020: €276k
2021: €359k
2022: €410k
2023: €305k
2024: €368k
2019 → 2025
Total assets
€525k▼ 1.5%
2024 · €533k
2019: €456k
2020: €491k
2021: €559k
2022: €582k
2023: €451k
2024: €533k
2019 → 2025
Net result
€12k▼ 80.7%
2024 · €64k
2019: €49k
2020: €80k
2021: €116k
2022: €52k
2023: €-46k
2024: €64k
2019 → 2025
Working capital
€314k▲ 8.0%
2024 · €291k
2019: €182k
2020: €216k
2021: €273k
2022: €300k
2023: €222k
2024: €291k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€359k-€410k▲ 14.2%€305k▼ 25.5%€368k▲ 20.5%€380k▲ 3.3%
Operating result€151k-€80k▼ 47.3%€-40k€84k€25k▼ 70.4%
Net result€116k-€52k▼ 55.2%€-46k€64k€12k▼ 80.7%
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 falls in 2025; 2025 is 70% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €525k
Fixed assets
€70k▼ 11.1%
Current assets
€455k▲ 0.2%
Equity and liabilities €525k
Equity
€380k▲ 3.3%
Debt
€145k▼ 12.3%
The debt ratio falls from 31.0% to 27.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€37k▼
2024 · €96k
Cash flow
€25k▼
2024 · €76k
Solvency
72.4%▲
2024 · 69.0%
Current ratio
3.23▲
2024 · 2.78
Quick ratio
3.23▲
2024 · 2.78
Debt / equity
0.38▼
2024 · 0.45
ROE
3.2%▼
2024 · 17.3%
ROA
2.3%▼
2024 · 11.9%
Interest coverage
3.87▼
2024 · 8.65
Debt
€145k▼
2024 · €165k
Debt ≤ 1 year
€141k▼
2024 · €164k
Income taxes
€8k▼
2024 · €18k
Staff costs
€15k▲
2024 · €13k
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€533k€525k▼
Fixed assets21/28€79k€70k▼
Tangible fixed assets22/27€79k€70k▼
Land and buildings22€70k€62k▼
Furniture and vehicles24€9k€8k▼
Financial fixed assets28€150€150=
Current assets29/58€454k€455k▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€163k€139k▼
Trade receivables40€91k€77k▼
Other amounts receivable41€71k€62k▼
Current investments50/53€250k€300k▲
Cash at bank and in hand54/58€34k€13k▼
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€533k€525k▼
Equity10/15€368k€380k▲
Contributions10/11€19k€19k=
Reserves13€350k€362k▲
Distributable reserves133€350k€362k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€165k€145k▼
Amounts payable within one year42/48€164k€141k▼
Trade debts44€412€2k▲
Suppliers440/4€412€2k▲
Taxes, remuneration and social security45€24k€8k▼
Taxes450/3€22k€6k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€139k€131k▼
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€13k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€112k€55k▼
Operating profit (loss)9901€84k€25k▼
Financial income75/76B€9k€6k▼
Recurring financial income75€9k€6k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€82k€21k▼
Income taxes67/77€18k€8k▼
Profit (loss) for the period9904€64k€12k▼
Profit (loss) for the period to be appropriated9905€64k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€12k▼
Transfer from equity791/2€859€0▼
Transfer to equity691/2€64k€12k▼
To other reserves6921€64k€12k▼
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
Social balance
Average headcount (FTE)90870.40.4=
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-46k ▼189%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €116k ▲44.2%
Operating result €151k, net result €116k, both a record.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
17-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Ieper · 1 establishment unit since 2003
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.
Korte Torhoutstraat 238900 IeperGround area
182 m²
Building footprint
159 m²
Volume, LiDAR
1,188 m³
Parcel 33011G0079/00N000, Flanders · tallest building 13.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Yprius advocaten
since 20032.183.114.662
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33011G0079/00N000 | Flanders | 182 m² | 1 · 159 m² | 13.1 m · 2 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
2023 · 1 entry · 264 EUR awarded · 714 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 264 EUR | 714 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,049 companies in sector 69101 we hold annual accounts for 9,048. 6,376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2003
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.