VCT
ActiveVCT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €395k and a net result of €12k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 86% of 1832 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-15
Solvency100▲+4
Growth35▼-17
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 1.59 against 2.3 in 2024; short-term debt: 24% and cash: 9.1% of total assets), and 24.3% 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+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 49
Relative position
BE, all sectors
reference
Sector 49
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
75.7%
Return on assets
2.3%
Age of the figures
9 mo
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
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
57 d early
2023
34 d early
2022
49 d early
2021
40 d early
2020
47 d early
2019
58 d early
← 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
Turnover
€43k▼ 93.4%
2018 · €652k
2018: €652k
2018 → 2022
EBIT margin
73.7%▲ 68.4pp
2018 · 5.3%
2018: 5.3%
2018 → 2022
Net result
€12k▼ 84.1%
2024 · €77k
2018: €34k
2019: €9k
2020: €98k
2021: €53k
2022: €31k
2023: €65k
2024: €77k
2018 → 2025
Working capital
€74k▼ 45.8%
2024 · €136k
2018: €43k
2019: €-34k
2020: €45k
2021: €74k
2022: €131k
2023: €213k
2024: €136k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€43k
Equity€211k-€241k▲ 14.6%€306k▲ 26.8%€382k▲ 25.0%€395k▲ 3.2%
Operating result€60k-€32k▼ 47.4%€90k▲ 186%€98k▲ 8.6%€12k▼ 88.0%
Net result€53k-€31k▼ 42.2%€65k▲ 110%€77k▲ 18.5%€12k▼ 84.1%
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 88% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €521k
Fixed assets
€322k▲ 8.4%
Current assets
€199k▼ 17.5%
Equity and liabilities €521k
Equity
€395k▲ 3.2%
Debt
€127k▼ 18.8%
The debt ratio falls from 29.0% to 24.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€147k▼
2024 · €251k
Cash flow
€147k▼
2024 · €229k
Solvency
75.7%▲
2024 · 71.0%
Current ratio
1.59▼
2024 · 2.30
Quick ratio
1.59▼
2024 · 2.30
Debt / equity
0.32▼
2024 · 0.41
ROE
3.1%▼
2024 · 20.0%
ROA
2.3%▼
2024 · 14.2%
Interest coverage
1510.18▲
2024 · 794.75
Debt
€127k▼
2024 · €156k
Debt ≤ 1 year
€125k▲
2024 · €105k
Income taxes
€972▼
2024 · €21k
Staff costs
€428k▼
2024 · €460k
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€539k€521k▼
Fixed assets21/28€297k€322k▲
Tangible fixed assets22/27€297k€322k▲
Furniture and vehicles24€297k€322k▲
Financial fixed assets28€250€250=
Current assets29/58€241k€199k▼
Amounts receivable within one year40/41€154k€152k▼
Trade receivables40€146k€119k▼
Other amounts receivable41€8k€33k▲
Cash at bank and in hand54/58€87k€48k▼
Equity and liabilities
Total equity and liabilities10/49€539k€521k▼
Equity10/15€382k€395k▲
Contributions10/11€7k€7k=
Reserves13€216k€216k=
Non-distributable reserves130/1€700€700=
Reserves not available under the articles1311€700€700=
Tax-exempt reserves132€51k€51k=
Distributable reserves133€165k€165k=
Profit (loss) carried forward14€159k€171k▲
Amounts payable17/49€156k€127k▼
Amounts payable within one year42/48€105k€125k▲
Trade debts44€29k€79k▲
Suppliers440/4€29k€79k▲
Taxes, remuneration and social security45€76k€47k▼
Taxes450/3€14k€4k▼
Remuneration and social security454/9€62k€42k▼
Accrued charges and deferred income492/3€51k€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Goods, raw materials, services and sundry goods60/61€853k€869k▲
Remuneration, social security and pensions62€460k€428k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€153k€135k▼
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€718k€580k▼
Operating profit (loss)9901€98k€12k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€316€97▼
Recurring financial charges65€316€97▼
Profit (loss) for the period before taxes9903€98k€13k▼
Income taxes67/77€21k€972▼
Profit (loss) for the period9904€77k€12k▼
Profit (loss) for the period to be appropriated9905€77k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€214k€171k▼
Profit (loss) brought forward from the previous period14P€138k€159k▲
Transfer to equity691/2€55k-
To other reserves6921€55k-
Social balance
Average headcount (FTE)90879.08.0▼
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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €211k ▲33.8%
4 profitable years in a row build equity to €211k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €98k ▲954%
Operating result €106k, net result €98k, both a record.
31-12
Financial
Equity above €150kEq €157k ▲165%
3 profitable years in a row build equity to €157k.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €9k ▼72.6%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-06
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
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, Anzegem · 1 establishment unit since 2014
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.
Nijverheidslaan 48570 AnzegemGround area
757 m²
Building footprint
327 m²
Volume, LiDAR
1,304 m³
Parcel 34038B0393/00Z000, Flanders · tallest building 37.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VCT
since 20142.239.394.359
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34038B0393/00Z000 | Flanders | 757 m² | 1 · 327 m² | 37.3 m · 1 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
2025 · 1 entry · 411 EUR awarded · 411 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 411 EUR | 411 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,195. 5,527 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2014
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.