VDF Audit
ActiveSummary
VDF Audit has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €223k and a net result of €162k. Equity is growing by ~92.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 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
Profitability100=
Solvency83▼-17
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 17.34 in 2024; short-term debt: 42.1% and cash: 19.7% of total assets), and 42.1% 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+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
57.9%
Return on assets
42.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 4 filingsDeviation from the deadline
2025
7 d late
2024
30 d late
2023
27 d late
2022
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€223k▲ 3.3%
2024 · €216k
2022: €32k
2023: €59k
2024: €216k
2022 → 2025
Total assets
€384k▲ 68.5%
2024 · €228k
2022: €49k
2023: €70k
2024: €228k
2022 → 2025
Net result
€162k▲ 3.4%
2024 · €157k
2022: €30k
2023: €27k
2024: €157k
2022 → 2025
Working capital
€113k▼ 44.8%
2024 · €205k
2022: €4k
2023: €36k
2024: €205k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€32k-€59k▲ 83.3%€216k▲ 267%€223k▲ 3.3%
Operating result€38k-€36k▼ 5.6%€205k▲ 471%€213k▲ 3.5%
Net result€30k-€27k▼ 11.2%€157k▲ 487%€162k▲ 3.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €384k
Fixed assets
€109k ▲ 983%
Current assets
€275k ▲ 26.2%
Equity and liabilities €384k
Equity
€223k ▲ 3.3%
Debt
€162k ▲ 1,187%
Debt's share of the balance-sheet total rises from 5.5% to 42.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€222k▲
2024 · €218k
Cash flow
€171k▲
2024 · €170k
Current ratio
1.70▼
2024 · 17.34
Debt to equity
0.73▲
2024 · 0.06
ROE
72.8%▲
2024 · 72.7%
ROA
42.2%▼
2024 · 68.7%
Interest coverage
609.71▼
2024 · 5497.51
Debt ≤ 1 year
€162k▲
2024 · €13k
Income taxes
€50k▲
2024 · €49k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€228k€384k▲
Fixed assets21/28€10k€109k▲
Tangible fixed assets22/27€10k€9k▼
Furniture and vehicles24€10k€9k▼
Financial fixed assets28-€100k
Current assets29/58€218k€275k▲
Amounts receivable within one year40/41€151k€199k▲
Trade receivables40€150k€199k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€67k€76k▲
Equity and liabilities
Total equity and liabilities10/49€228k€384k▲
Equity10/15€216k€223k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€214k€221k▲
Amounts payable17/49€13k€162k▲
Amounts payable within one year42/48€13k€162k▲
Trade debts44€1k€326▼
Suppliers440/4€1k€326▼
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€10k€6k▼
Other amounts payable47/48€1k€155k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€9k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€220k€223k▲
Operating profit (loss)9901€205k€213k▲
Financial income75/76B€5€39▲
Recurring financial income75€5€39▲
Financial charges65/66B€40€364▲
Recurring financial charges65€40€364▲
Profit (loss) for the period before taxes9903€205k€212k▲
Income taxes67/77€49k€50k▲
Profit (loss) for the period9904€157k€162k▲
Profit (loss) for the period to be appropriated9905€157k€162k▲
Appropriation of the result
Profit (loss) to be appropriated9906€214k€376k▲
Profit (loss) brought forward from the previous period14P€57k€214k▲
Profit to be distributed694/7-€155k
Return on contributions (dividend)694-€155k
The notes to these accounts (7 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-12
Financial
Highest result since 2022net €162k ▲3.4%
Operating result €213k, net result €162k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 17.34
Current ratio from 4.07 to 17.34.
31-12
Financial
Equity above €200kEq €216k ▲267%
3 profitable years in a row build equity to €216k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €27k ▼11.2%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 4.07
Current ratio from 1.24 to 4.07; short-term debt falls from €17k to €12k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Vilvoorde · 1 establishment unit since 2022
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.
Streekbaan 311800 VilvoordeGround area
450 m²
Building footprint
161 m²
Volume, LiDAR
1,688 m³
Parcel 23088A0018/00N002, Flanders · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Streekbaan 31, 1800 Vilvoorde
since 20222.334.738.530
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23088A0018/00N002 | Flanders | 450 m² | 1 · 161 m² | 13.3 m · 4 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.
Similar companies · same sector, comparable size
CVDS Réviseur d'Entreprises
BE 0802.580.275
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Arnaud DELLICOUR
BE 0736.833.873
Sint-Genesius-Rode · Eq €219,725
REVINYS
BE 0736.441.024
Wavre · Eq €219,207
F. DE MEE
BE 0803.434.667
Bertem · Eq €218,548
DEVAUX-Réviseur d'Entreprises
BE 0808.330.692
Virton · Eq €218,523
Of 944 companies in sector 69203 we hold annual accounts for 659. 531 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
Founded14-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495431817