VDB Invest
ActiveVDB Invest has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-121k) and a net result of €85k. Its solvency ranks better than 16% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+54
Solvency20▲+14
Growth78
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.27 against 0.2 in 2024; short-term debt: 17.7% and cash: 2% of total assets), and equity is negative.
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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 14079 sector peers (2025).
NBB · sector comparisonPosition among 14079 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 2 filingsDeviation from the deadline
2025
11 d late
2024
29 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-121k▲ 41.4%
2024 · €-206k
2024: €-206k
2024 → 2025
Total assets
€2.36M▲ 119%
2024 · €1.08M
2024: €1.08M
2024 → 2025
Net result
€85k
2024 · €-209k
2024: €-209k
2024 → 2025
Working capital
€-308k▼ 107%
2024 · €-148k
2024: €-148k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-206k-€-121k▲ 41.4%
Operating result€-197k-€139k
Net result€-209k-€85k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €139k after a loss of €197k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.36M
Fixed assets
€2.25M▲ 116%
Current assets
€111k▲ 202%
Key figures and ratios
EBITDA
€195k▲
2024 · €-181k
Cash flow
€142k▲
2024 · €-194k
Solvency
-5.1%▲
2024 · -19.1%
Current ratio
0.27▲
2024 · 0.20
Quick ratio
0.27▲
2024 · 0.20
Debt / equity
-20.51▼
2024 · -6.23
ROA
3.6%▲
2024 · -19.4%
Interest coverage
3.67▲
2024 · -14.07
Debt
€2.48M▲
2024 · €1.29M
Debt ≤ 1 year
€419k▲
2024 · €185k
Debt > 1 year
€2.06M▲
2024 · €1.10M
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€1.08M€2.36M▲
Fixed assets21/28€1.04M€2.25M▲
Tangible fixed assets22/27€1.04M€2.25M▲
Land and buildings22€1.04M€2.25M▲
Current assets29/58€37k€111k▲
Amounts receivable within one year40/41€10k€62k▲
Trade receivables40-€57k
Other amounts receivable41€10k€5k▼
Cash at bank and in hand54/58€25k€46k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.08M€2.36M▲
Equity10/15€-206k€-121k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-209k€-124k▲
Amounts payable17/49€1.29M€2.48M▲
Amounts payable after more than one year17€1.10M€2.06M▲
Financial debts170/4€1.10M€2.06M▲
Amounts payable within one year42/48€185k€419k▲
Current portion of amounts payable after more than one year42€40k€41k▲
Trade debts44€1k€19k▲
Suppliers440/4€1k€19k▲
Other amounts payable47/48€144k€358k▲
Accrued charges and deferred income492/3€131€320▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€57k▲
Other operating charges640/8€130k€9k▼
Gross operating margin9900€-51k€204k▲
Operating profit (loss)9901€-197k€139k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€13k€53k▲
Recurring financial charges65€13k€53k▲
Profit (loss) for the period before taxes9903€-209k€85k▲
Profit (loss) for the period9904€-209k€85k▲
Profit (loss) for the period to be appropriated9905€-209k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-209k€-124k▲
Profit (loss) brought forward from the previous period14P-€-209k
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
2026
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Back to profitnet €85k
Net result €85k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Katelijne-Waver · 1 establishment unit since 2024
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.
Akelei 662860 Sint-Katelijne-WaverGround area
1,496 m²
Building footprint
237 m²
Volume, LiDAR
534 m³
Parcel 12422C0248/00G004, Flanders · tallest building 8.3 m. Linked by address, not a title deed.
1 establishment unit
VDB Invest
since 20242.354.040.243
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12422C0248/00G004 | Flanders | 1,496 m² | 1 · 237 m² | 8.3 m |
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.
Similar companies · same sector and region
K2 Real Estate
BE 1017.212.670
Sint-Katelijne-Waver
KAPIRO
BE 1000.261.723
Sint-Katelijne-Waver
Novobric
BE 0832.884.659
Sint-Katelijne-Waver
SDC build & projects
BE 0739.743.774
Sint-Katelijne-Waver
SPORTS ADVICE & MANAGEMENT
BE 0863.784.703
Sint-Katelijne-Waver
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 7,321 companies in sector 68110 we hold annual accounts for 5,382.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2024
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.