Guy Van de Velde Bedrijfsrevisor
ActiveSummary
Guy Van de Velde Bedrijfsrevisor has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.42M and a net result of €27k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 76% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-8
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 8.49 against 14.56 in 2024; short-term debt: 8% and cash: 5.5% of total assets), and 20.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
79.5%
Return on assets
0.9%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 28-11-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
1 d early
2022
4 d early
2021
1 d early
2020
1 d early
2019
3 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 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close24-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.42M▼ 7.6%
2024 · €2.63M
2019: €2.29M
2020: €2.52M
2021: €2.82M
2022: €3.05M
2023: €2.53M
2024: €2.63M
2019 → 2025
Total assets
€3.05M▼ 5.2%
2024 · €3.22M
2019: €3.95M
2020: €3.85M
2021: €3.84M
2022: €3.59M
2023: €3.51M
2024: €3.22M
2019 → 2025
Net result
€27k▼ 88.7%
2024 · €236k
2019: €147k
2020: €234k
2021: €299k
2022: €229k
2023: €20k
2024: €236k
2019 → 2025
Working capital
€1.83M▼ 16.8%
2024 · €2.20M
2019: €2.70M
2020: €2.63M
2021: €2.53M
2022: €2.49M
2023: €2.05M
2024: €2.20M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.82M-€3.05M▲ 8.1%€2.53M▼ 17.2%€2.63M▲ 3.9%€2.42M▼ 7.6%
Operating result€393k-€304k▼ 22.7%€-13k€127€-13k
Net result€299k-€229k▼ 23.3%€20k▼ 91.3%€236k▲ 1,075%€27k▼ 88.7%
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 turns negative in 2025: a loss of €13k after €127 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.05M
Fixed assets
€973k ▲ 13.8%
Current assets
€2.08M ▼ 12.1%
Equity and liabilities €3.05M
Equity
€2.42M ▼ 7.6%
Provisions
€380k =
Debt
€245k ▲ 15.2%
Debt's share of the balance-sheet total rises from 6.6% to 8.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€46k▼
2024 · €54k
Cash flow
€85k▼
2024 · €290k
Current ratio
8.49▼
2024 · 14.56
Debt to equity
0.10▲
2024 · 0.08
ROE
1.1%▼
2024 · 9.0%
ROA
0.9%▼
2024 · 7.3%
Interest coverage
23.95▲
2024 · 18.18
Debt ≤ 1 year
€245k▲
2024 · €162k
Income taxes
€13k▼
2024 · €31k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.22M€3.05M▼
Fixed assets21/28€855k€973k▲
Tangible fixed assets22/27€855k€973k▲
Land and buildings22€700k€715k▲
Furniture and vehicles24€155k€258k▲
Current assets29/58€2.36M€2.08M▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€345k€186k▼
Trade receivables40€122k€142▼
Other amounts receivable41€223k€186k▼
Current investments50/53€1.96M€1.72M▼
Cash at bank and in hand54/58€57k€167k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€3.22M€3.05M▼
Equity10/15€2.63M€2.42M▼
Contributions10/11€30k€30k=
Reserves13€966k€764k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€963k€761k▼
Profit (loss) carried forward14€1.63M€1.63M=
Provisions and deferred taxes16€380k€380k=
Provisions for liabilities and charges160/5€380k€380k=
Pensions and similar obligations160€380k€380k=
Amounts payable17/49€212k€245k▲
Amounts payable within one year42/48€162k€245k▲
Trade debts44€310€12k▲
Suppliers440/4€310€12k▲
Taxes, remuneration and social security45€25k€5k▼
Taxes450/3€25k€5k▼
Other amounts payable47/48€137k€228k▲
Accrued charges and deferred income492/3€50k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€59k▲
Other operating charges640/8€6k€10k▲
Gross operating margin9900€61k€56k▼
Operating profit (loss)9901€127€-13k▼
Financial income75/76B€270k€54k▼
Recurring financial income75€34k€54k▲
Non-recurring financial income76B€235k€54k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€267k€40k▼
Income taxes67/77€31k€13k▼
Profit (loss) for the period9904€236k€27k▼
Profit (loss) for the period to be appropriated9905€236k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.86M€1.66M▼
Profit (loss) brought forward from the previous period14P€1.62M€1.63M▲
Transfer from equity791/2€136k€227k▲
Transfer to equity691/2€231k€26k▼
To other reserves6921€231k€26k▼
Profit to be distributed694/7€136k€227k▲
Return on contributions (dividend)694€136k€227k▲
The notes to these accounts (6 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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-04
Financial
Liquidity triplescurrent ratio 14.56
Current ratio from 4.74 to 14.56; short-term debt falls from €549k to €162k.
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-04
Financial
Weakest financial yearnet €20k ▼91.3%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
2022
26-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-04
Financial
Liquidity triplescurrent ratio 46.83
Current ratio from 17.43 to 46.83; short-term debt falls from €154k to €54k.
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-04
Financial
Highest result since 2019net €299k ▲27.7%
Operating result €393k, net result €299k, both a record.
2020
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
29-09
State Gazette act
General meeting · Registered-office move
Auditor appointment · Member admission
2019
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
17-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Oudenaarde · 1 establishment unit since 2018
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.
Graaf van Landaststraat 1209700 OudenaardeGround area
3,331 m²
Building footprint
647 m²
Volume, LiDAR
4,761 m³
2 parcels, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A. Degreeflaan(Odk) 2, 8670 Koksijde
since 20182.275.262.682
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45502A0533/00D000 | Flanders | 2,350 m² | 1 · 365 m² | 9.2 m · 2 fl. |
| 38502F1066/00D000 | Flanders | 981 m² | 1 · 282 m² | 12.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600HBM2KUT5AIVU92
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Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 414 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 formPrivate limited company
Founded16-07-2007
Fiscal year end30-04
Activities, NACEBEL 2025
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:guy.vdvelde@skynet.be
Phone:0497515380