Virginy Vandenberghe Consulting
ActiveSummary
Virginy Vandenberghe Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €59k. Equity is growing by ~65% per year across the filed fiscal years. Its solvency ranks better than 23% of 2276 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-15
Solvency36▼-64
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.83 against 9.92 in 2024; short-term debt: 31.5% and cash: 13% of total assets), and 89.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
10.8%
Return on assets
10.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2276 sector peers (2025).
NBB · sector comparisonPosition among 2276 sector peers
Solvency
better than 23%
← 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 03-09-2026, 34 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 · 5 filingsDeviation from the deadline
2025
34 d late
2024
36 d late
2023
37 d late
2022
32 d late
2021
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, abbreviated schema
Equity
€60k▼ 69.9%
2024 · €201k
2021: €20k
2022: €83k
2023: €152k
2024: €201k
2021 → 2025
Total assets
€560k▲ 122%
2024 · €252k
2021: €103k
2022: €160k
2023: €207k
2024: €252k
2021 → 2025
Net result
€59k▲ 21.4%
2024 · €49k
2021: €18k
2022: €63k
2023: €69k
2024: €49k
2021 → 2025
Working capital
€-30k
2024 · €149k
2021: €-12k
2022: €42k
2023: €105k
2024: €149k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€83k▲ 320%€152k▲ 83.9%€201k▲ 31.9%€60k▼ 69.9%
Operating result€24k-€65k▲ 169%€40k▼ 38.3%€36k▼ 11.8%€37k▲ 3.2%
Net result€18k-€63k▲ 246%€69k▲ 10.1%€49k▼ 30.0%€59k▲ 21.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €560k
Fixed assets
€414k ▲ 380%
Current assets
€146k ▼ 11.6%
Equity and liabilities €560k
Equity
€60k ▼ 69.9%
Debt
€500k ▲ 872%
Debt's share of the balance-sheet total rises from 20.4% to 89.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€43k▲
2024 · €38k
Cash flow
€66k▲
2024 · €51k
Current ratio
0.83▼
2024 · 9.92
Debt to equity
8.27▲
2024 · 0.26
ROE
97.5%▲
2024 · 24.2%
ROA
10.5%▼
2024 · 19.3%
Interest coverage
5.50▼
2024 · 27.83
Debt ≤ 1 year
€176k▲
2024 · €17k
Debt > 1 year
€323k▲
2024 · €35k
Income taxes
€9k▼
2024 · €12k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€252k€560k▲
Formation expenses20€312€92▼
Fixed assets21/28€86k€414k▲
Tangible fixed assets22/27€1k€329k▲
Land and buildings22-€319k
Furniture and vehicles24€1k€10k▲
Financial fixed assets28€85k€85k=
Current assets29/58€165k€146k▼
Amounts receivable after more than one year29€50k€0▼
Other amounts receivable291€50k€0▼
Amounts receivable within one year40/41€55k€73k▲
Trade receivables40€11k€11k=
Other amounts receivable41€43k€62k▲
Current investments50/53€40k€0▼
Cash at bank and in hand54/58€21k€73k▲
Equity and liabilities
Total equity and liabilities10/49€252k€560k▲
Equity10/15€201k€60k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€199k€59k▼
Amounts payable17/49€51k€500k▲
Amounts payable after more than one year17€35k€323k▲
Financial debts170/4€35k€323k▲
Amounts payable within one year42/48€17k€176k▲
Current portion of amounts payable after more than one year42€7k€78k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Other amounts payable47/48-€88k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€689€2k▲
Gross operating margin9900€38k€45k▲
Operating profit (loss)9901€36k€37k▲
Financial income75/76B€26k€39k▲
Recurring financial income75€26k€39k▲
Financial charges65/66B€1k€8k▲
Recurring financial charges65€1k€8k▲
Profit (loss) for the period before taxes9903€60k€68k▲
Income taxes67/77€12k€9k▼
Profit (loss) for the period9904€49k€59k▲
Profit (loss) for the period to be appropriated9905€49k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€199k€59k▼
Profit (loss) brought forward from the previous period14P€151k€0▼
Transfer from equity791/2-€199k
Profit to be distributed694/7-€199k
Return on contributions (dividend)694-€199k
The notes to these accounts (22 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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 34 days late
2025
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 36 days late
2024
31-12
Financial
Equity above €200kEq €201k ▲31.9%
4 profitable years in a row build equity to €201k.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 37 days late
2023
31-12
Financial
Highest result since 2021net €69k ▲10.1%
Net result €69k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 8.94
Current ratio from 2.07 to 8.94; short-term debt falls from €39k to €13k.
31-12
Financial
Equity above €150kEq €152k ▲83.9%
3 profitable years in a row build equity to €152k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 2.07
Current ratio from 0.70 to 2.07; short-term debt falls from €40k to €39k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated 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, Deinze · 1 establishment unit since 2021
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.
Dorpsstraat 1219800 DeinzeGround area
100 m²
Building footprint
100 m²
Volume, LiDAR
631 m³
Parcel 44004C0154/00M000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Virginy Vandenberghe Consulting
since 20212.319.022.649
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44004C0154/00M000 | Flanders | 100 m² | 1 · 100 m² | 9.4 m · 2 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
2024 to 2025 · 2 entries · 492 EUR awarded · 492 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 96 EUR | 96 EUR |
| 2024 | 1 | 396 EUR | 396 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,048 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
Founded03-06-2021
Fiscal year end31-12
Abbreviation NL
V.V. Consulting
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.