VETO-1325
ActiveVETO-1325 has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182k and a net result of €106k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 1238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+44
Solvency46▲+11
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.56 against 0.61 in 2024), and 64.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 75
Relative position
BE, all sectors
reference
Sector 75
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
35.8%
Return on assets
20.8%
Age of the figures
8 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 06-08-2026, 6 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 · 6 filingsDeviation from the deadline
2025
6 d late
2024
27 d late
2023
43 d late
2022
28 d late
2021
33 d late
2020
31 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€182k▲ 29.0%
2024 · €141k
2020: €74k
2021: €102k
2022: €108k
2023: €175k
2024: €141k
2020 → 2025
Total assets
€509k▲ 2.0%
2024 · €498k
2020: €644k
2021: €611k
2022: €499k
2023: €529k
2024: €498k
2020 → 2025
Net result
€106k▲ 571%
2024 · €16k
2020: €64k
2021: €28k
2022: €7k
2023: €66k
2024: €16k
2020 → 2025
Working capital
€-118k▼ 31.3%
2024 · €-90k
2020: €-213k
2021: €-139k
2022: €-3k
2023: €46k
2024: €-90k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€108k▲ 6.5%€175k▲ 61.3%€141k▼ 19.3%€182k▲ 29.0%
Operating result€33k-€13k▼ 61.4%€90k▲ 613%€34k▼ 61.8%€158k▲ 360%
Net result€28k-€7k▼ 76.2%€66k▲ 904%€16k▼ 76.2%€106k▲ 571%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 360% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €509k
Fixed assets
€357k=
Current assets
€152k▲ 7.1%
Equity and liabilities €509k
Equity
€182k▲ 29.0%
Debt
€327k▼ 8.6%
The debt ratio falls from 71.7% to 64.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€208k▲
2024 · €77k
Cash flow
€156k▲
2024 · €59k
Solvency
35.8%▲
2024 · 28.3%
Current ratio
0.56▼
2024 · 0.61
Quick ratio
0.33▼
2024 · 0.34
Debt / equity
1.80▼
2024 · 2.53
ROE
58.2%▲
2024 · 11.2%
ROA
20.8%▲
2024 · 3.2%
Interest coverage
11.36▲
2024 · 4.56
Debt
€327k▼
2024 · €357k
Debt ≤ 1 year
€270k▲
2024 · €232k
Debt > 1 year
€56k▼
2024 · €124k
Income taxes
€34k▲
2024 · €5k
Staff costs
€101k▲
2024 · €81k
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€498k€509k▲
Fixed assets21/28€357k€357k=
Tangible fixed assets22/27€357k€357k=
Land and buildings22€221k€213k▼
Plant, machinery and equipment23€76k€65k▼
Furniture and vehicles24€21k€41k▲
Other tangible fixed assets26€38k€38k▲
Current assets29/58€142k€152k▲
Stocks and contracts in progress3€64k€62k▼
Stocks30/36€64k€62k▼
Amounts receivable within one year40/41€54k€59k▲
Trade receivables40€0€18k▲
Other amounts receivable41€54k€41k▼
Cash at bank and in hand54/58€22k€26k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€498k€509k▲
Equity10/15€141k€182k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€131k€172k▲
Amounts payable17/49€357k€327k▼
Amounts payable after more than one year17€124k€56k▼
Financial debts170/4€124k€56k▼
Amounts payable within one year42/48€232k€270k▲
Current portion of amounts payable after more than one year42€67k€66k▼
Trade debts44€138k€124k▼
Suppliers440/4€138k€124k▼
Taxes, remuneration and social security45€27k€59k▲
Taxes450/3€15k€45k▲
Remuneration and social security454/9€13k€14k▲
Other amounts payable47/48€0€21k▲
Accrued charges and deferred income492/3€1k€370▼
Income statement
Code20242025
Remuneration, social security and pensions62€81k€101k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€50k▲
Other operating charges640/8€531€5k▲
Gross operating margin9900€159k€314k▲
Operating profit (loss)9901€34k€158k▲
Financial income75/76B€3k€69▼
Recurring financial income75€3k€69▼
Financial charges65/66B€17k€18k▲
Recurring financial charges65€17k€18k▲
Profit (loss) for the period before taxes9903€21k€140k▲
Income taxes67/77€5k€34k▲
Profit (loss) for the period9904€16k€106k▲
Profit (loss) for the period to be appropriated9905€16k€106k▲
Appropriation of the result
Profit (loss) to be appropriated9906€180k€237k▲
Profit (loss) brought forward from the previous period14P€165k€131k▼
Profit to be distributed694/7€49k€65k▲
Return on contributions (dividend)694€49k€65k▲
The notes to these accounts (17 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-12
Financial
Highest result since 2020net €106k ▲571%
Operating result €158k, net result €106k, both a record.
31-12
Financial
Equity above €150kEq €182k ▲29%
6 profitable years in a row build equity to €182k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
2023
31-12
Financial
Equity above €150kEq €175k ▲61.3%
4 profitable years in a row build equity to €175k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €7k ▼76.2%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
31-12
Financial
Equity above €100kEq €102k ▲37.6%
2 profitable years in a row build equity to €102k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Chaumont-Gistoux · 2 establishment units since 2019
Ground area
421 m²
Building footprint
21 m²
Volume, LiDAR
74 m³
Parcel 25018B0323/00T005, Wallonia · tallest building 4.0 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
VETO-1325
since 20192.296.378.196
Chemin du Pont-Valériane(TSL) 2, 1457 Walhain
since 20252.387.537.016
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018B0323/00T005 | Wallonia | 421 m² | 1 · 21 m² | 4.0 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.
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Of 6,062 companies in sector 75000 we hold annual accounts for 1,938. 1,666 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2019
Fiscal year end31-12
Activities, NACEBEL
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 06-09-2026. Scores and ratios are computed by Checked and are not a credit decision.