V-C-T
ActiveV-C-T has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €94k. Equity is growing by ~48.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-7
Solvency63▲+8
Growth73▲+1
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.88 against 1.48 in 2024; short-term debt: 27.2% and cash: 43.6% of total assets), but 61.6% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
38.4%
Return on assets
10.8%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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
27 d late
2024
24 d late
2023
28 d late
2022
27 d late
2021
21 d late
2020
25 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.09M▲ 10.0%
2024 · €995k
2023: €916k
2024: €995k
2023 → 2025
EBIT margin
11.7%▼ 3.0pp
2024 · 14.7%
2023: 7.5%
2024: 14.7%
2023 → 2025
Net result
€94k▼ 17.6%
2024 · €114k
2019: €39k
2020: €564
2021: €54k
2022: €22k
2023: €46k
2024: €114k
2019 → 2025
Working capital
€208k▲ 63.0%
2024 · €128k
2019: €22k
2020: €62k
2021: €74k
2022: €-66k
2023: €11k
2024: €128k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€916k€995k▲ 8.6%€1.09M▲ 10.0%
Equity€74k-€96k▲ 29.9%€141k▲ 47.9%€243k▲ 72.1%€335k▲ 37.5%
Operating result€64k-€34k▼ 46.3%€69k▲ 101%€146k▲ 112%€128k▼ 12.4%
Net result€54k-€22k▼ 59.5%€46k▲ 108%€114k▲ 150%€94k▼ 17.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €871k
Fixed assets
€426k▲ 4.5%
Current assets
€445k▲ 13.1%
Equity and liabilities €871k
Equity
€335k▲ 37.5%
Debt
€536k▼ 3.9%
The debt ratio falls from 69.6% to 61.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€158k▼
2024 · €174k
Cash flow
€124k▼
2024 · €142k
Solvency
38.4%▲
2024 · 30.4%
Current ratio
1.88▲
2024 · 1.48
Quick ratio
1.86▲
2024 · 1.46
Debt / equity
1.60▼
2024 · 2.29
ROE
28.2%▼
2024 · 47.0%
ROA
10.8%▼
2024 · 14.3%
Interest coverage
47.25▼
2024 · 51.23
Debt
€536k▼
2024 · €558k
Debt ≤ 1 year
€237k▼
2024 · €266k
Debt > 1 year
€175k▼
2024 · €190k
Income taxes
€31k▲
2024 · €29k
Staff costs
€251k▼
2024 · €271k
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€801k€871k▲
Fixed assets21/28€408k€426k▲
Tangible fixed assets22/27€407k€426k▲
Land and buildings22€366k€358k▼
Furniture and vehicles24€42k€68k▲
Financial fixed assets28€275€604▲
Current assets29/58€393k€445k▲
Stocks and contracts in progress3€6k€6k=
Stocks30/36€6k€6k=
Amounts receivable within one year40/41€14k€59k▲
Trade receivables40-€24k
Other amounts receivable41€14k€35k▲
Cash at bank and in hand54/58€374k€380k▲
Equity and liabilities
Total equity and liabilities10/49€801k€871k▲
Equity10/15€243k€335k▲
Contributions10/11€19k€19k=
Reserves13€1k€81k▲
Non-distributable reserves130/1€1k€1k=
Other1319€1k€1k=
Distributable reserves133-€80k
Profit (loss) carried forward14€224k€235k▲
Amounts payable17/49€558k€536k▼
Amounts payable after more than one year17€190k€175k▼
Financial debts170/4€190k€175k▼
Amounts payable within one year42/48€266k€237k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€170k€157k▼
Suppliers440/4€170k€157k▼
Advances received on contracts in progress46€1k€1k=
Taxes, remuneration and social security45€18k-
Taxes450/3€9k-
Remuneration and social security454/9€9k-
Other amounts payable47/48€61k€64k▲
Accrued charges and deferred income492/3€102k€124k▲
Income statement
Code20242025
Turnover70€995k€1.09M▲
Goods, raw materials, services and sundry goods60/61€545k€683k▲
Remuneration, social security and pensions62€271k€251k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€29k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€450k€412k▼
Operating profit (loss)9901€146k€128k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€143k€125k▼
Income taxes67/77€29k€31k▲
Profit (loss) for the period9904€114k€94k▼
Profit (loss) for the period to be appropriated9905€114k€94k▼
Appropriation of the result
Profit (loss) to be appropriated9906€236k€318k▲
Profit (loss) brought forward from the previous period14P€122k€224k▲
Transfer to equity691/2-€80k
To other reserves6921-€80k
Profit to be distributed694/7€13k€3k▼
Directors or managers695€13k€3k▼
The notes to these accounts (10 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
24-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
30-06
Financial
Highest result since 2019net €114k ▲150%
Operating result €146k, net result €114k, both a record.
30-06
Financial
Equity above €200kEq €243k ▲72.1%
6 profitable years in a row build equity to €243k.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-06
Financial
Equity above €100kEq €141k ▲47.9%
5 profitable years in a row build equity to €141k.
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
2021
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-06
Financial
Weakest financial yearnet €564 ▼98.5%
Net result drops to €564, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
14-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
08-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-01
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.
Directors · office · real estate
Directors
5 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, Mons · 1 establishment unit since 2015
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.
Rue des Bourrains 127012 MonsGround area
2,158 m²
Parcel 53043A0327/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
V-C-T
since 20152.243.524.777
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53043A0327/00G000 | Wallonia | 2,158 m² | - | - |
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.
Recognitions · licences · registrations
Recognised contractor
7 categoriesV-C-T SRL38782
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 3,242 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2015
Fiscal year end30-06
Activities, NACEBEL
43410Roofing work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.