V & D
ActiveV & D has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €365k and a net result of €17k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-20
Solvency90▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.88 against 2.76 in 2024; short-term debt: 21.5% and cash: 0.9% of total assets), and 35.3% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
64.7%
Return on assets
3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
7 d early
2022
11 d early
2021
5 d early
2020
31 d late
2019
55 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€365k▲ 4.9%
2024 · €348k
2018: €249k
2019: €261k
2020: €266k
2021: €318k
2022: €330k
2023: €323k
2024: €348k
2018 → 2025
Total assets
€564k▲ 11.2%
2024 · €507k
2018: €605k
2019: €604k
2020: €663k
2021: €602k
2022: €586k
2023: €499k
2024: €507k
2018 → 2025
Net result
€17k▼ 65.6%
2024 · €49k
2018: €12k
2019: €12k
2020: €5k
2021: €56k
2022: €12k
2023: €63k
2024: €49k
2018 → 2025
Working capital
€106k▲ 3.6%
2024 · €103k
2018: €36k
2019: €30k
2020: €143k
2021: €146k
2022: €108k
2023: €78k
2024: €103k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€318k-€330k▲ 3.8%€323k▼ 2.1%€348k▲ 7.7%€365k▲ 4.9%
Operating result€78k-€36k▼ 54.0%€100k▲ 176%€76k▼ 23.6%€38k▼ 49.6%
Net result€56k-€12k▼ 78.3%€63k▲ 417%€49k▼ 22.4%€17k▼ 65.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €564k
Fixed assets
€336k▼ 2.7%
Current assets
€227k▲ 41.3%
Equity and liabilities €564k
Equity
€365k▲ 4.9%
Debt
€199k▲ 25.2%
The debt ratio rises from 31.4% to 35.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▼
2024 · €86k
Cash flow
€27k▼
2024 · €59k
Solvency
64.7%▼
2024 · 68.6%
Current ratio
1.88▼
2024 · 2.76
Quick ratio
1.86▼
2024 · 2.73
Debt / equity
0.55▲
2024 · 0.46
ROE
4.6%▼
2024 · 14.1%
ROA
3.0%▼
2024 · 9.7%
Interest coverage
4.68▼
2024 · 9.59
Debt
€199k▲
2024 · €159k
Debt ≤ 1 year
€121k▲
2024 · €58k
Debt > 1 year
€78k▼
2024 · €101k
Income taxes
€15k▼
2024 · €21k
Staff costs
€2k▲
2024 · €547
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€507k€564k▲
Fixed assets21/28€346k€336k▼
Tangible fixed assets22/27€346k€336k▼
Land and buildings22€342k€333k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€873€2k▲
Current assets29/58€161k€227k▲
Amounts receivable after more than one year29€120k€150k▲
Other amounts receivable291€120k€150k▲
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€25k€69k▲
Trade receivables40€18k€50k▲
Other amounts receivable41€6k€18k▲
Cash at bank and in hand54/58€13k€5k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€507k€564k▲
Equity10/15€348k€365k▲
Contributions10/11€19k€19k=
Reserves13€329k€346k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€327k€344k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€159k€199k▲
Amounts payable after more than one year17€101k€78k▼
Financial debts170/4€101k€78k▼
Amounts payable within one year42/48€58k€121k▲
Current portion of amounts payable after more than one year42€22k€23k▲
Financial debts43€21k€34k▲
Credit institutions430/8€21k€34k▲
Trade debts44€6k€55k▲
Suppliers440/4€6k€55k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€3k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€547€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€5k€11k▲
Non-recurring operating charges66A-€10k
Gross operating margin9900€92k€73k▼
Operating profit (loss)9901€76k€38k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€70k€32k▼
Income taxes67/77€21k€15k▼
Profit (loss) for the period9904€49k€17k▼
Profit (loss) for the period to be appropriated9905€49k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€17k▼
Transfer from equity791/2€24k€0▼
Transfer to equity691/2€49k€17k▼
To other reserves6921€49k€17k▼
Profit to be distributed694/7€24k€0▼
Return on contributions (dividend)694€24k€0▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €63k ▲417%
Operating result €100k, net result €63k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €5k ▼56.5%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB 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, Wommelgem · 1 establishment unit since 1996
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.
Sint-Michielsstraat 392160 WommelgemGround area
345 m²
Building footprint
104 m²
Volume, LiDAR
625 m³
Parcel 11052C0490/00P005, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
V & D INTERNATIONAL
since 19962.078.852.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0490/00P005 | Flanders | 345 m² | 1 · 104 m² | 9.0 m · 3 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 2023 · 2 entries · 59 EUR awarded · 59 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 59 EUR |
| 2022 | 1 | 59 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 6,303 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-1996
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.