VLI
ActiveVLI has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €783k and a net result of €22k. Equity is shrinking by ~23.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 33% of 13755 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability14▲+1
Solvency7=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days only on tighter terms
Liquidity short (current ratio 0.13 against 0.16 in 2024), and 88.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
11.2%
Return on assets
0.3%
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 19-08-2026, 19 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 · 10 filingsDeviation from the deadline
2025
19 d late
2024
on the day
2023
69 d late
2022
32 d late
2021
31 d late
2020
345 d late
2019
31 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€783k▲ 2.9%
2024 · €762k
2018: €4.11M
2019: €4.24M
2020: €4.37M
2021: €4.57M
2022: €441k
2023: €742k
2024: €762k
2018 → 2025
Total assets
€6.97M▼ 0.9%
2024 · €7.03M
2018: €7.97M
2019: €7.63M
2020: €7.42M
2021: €7.33M
2022: €7.44M
2023: €7.22M
2024: €7.03M
2018 → 2025
Net result
€22k▲ 7.7%
2024 · €20k
2018: €35k
2019: €122k
2020: €136k
2021: €195k
2022: €173k
2023: €301k
2024: €20k
2018 → 2025
Working capital
€-1.99M▼ 23.6%
2024 · €-1.61M
2018: €-660k
2019: €-892k
2020: €-958k
2021: €-1.04M
2022: €-1.14M
2023: €-1.36M
2024: €-1.61M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.57M-€441k▼ 90.4%€742k▲ 68.3%€762k▲ 2.7%€783k▲ 2.9%
Operating result€263k-€137k▼ 47.9%€113k▼ 17.9%€87k▼ 22.3%€113k▲ 28.7%
Net result€195k-€173k▼ 11.5%€301k▲ 74.0%€20k▼ 93.3%€22k▲ 7.7%
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 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.97M
Fixed assets
€6.68M▼ 0.8%
Current assets
€288k▼ 4.1%
Equity and liabilities €6.97M
Equity
€783k▲ 2.9%
Provisions
€77k=
Debt
€6.11M▼ 1.4%
The debt ratio falls from 88.1% to 87.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€222k▲
2024 · €193k
Cash flow
€131k▲
2024 · €125k
Solvency
11.2%▲
2024 · 10.8%
Current ratio
0.13▼
2024 · 0.16
Quick ratio
0.13▼
2024 · 0.16
Debt / equity
7.79▼
2024 · 8.13
ROE
2.8%▲
2024 · 2.6%
ROA
0.3%▲
2024 · 0.3%
Interest coverage
2.94▼
2024 · 3.02
Debt
€6.11M▼
2024 · €6.19M
Debt ≤ 1 year
€2.27M▲
2024 · €1.91M
Debt > 1 year
€3.83M▼
2024 · €4.28M
Income taxes
€17k▲
2024 · €9k
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€7.03M€6.97M▼
Fixed assets21/28€6.73M€6.68M▼
Tangible fixed assets22/27€6.02M€5.97M▼
Land and buildings22€2.25M€2.21M▼
Furniture and vehicles24€18k€9k▼
Other tangible fixed assets26€3.76M€3.76M=
Financial fixed assets28€706k€706k=
Current assets29/58€301k€288k▼
Amounts receivable within one year40/41-€370
Other amounts receivable41-€370
Current investments50/53€196k€252k▲
Cash at bank and in hand54/58€104k€36k▼
Equity and liabilities
Total equity and liabilities10/49€7.03M€6.97M▼
Equity10/15€762k€783k▲
Contributions10/11€298k€298k=
Reserves13€232k€232k=
Tax-exempt reserves132€232k€232k=
Profit (loss) carried forward14€231k€253k▲
Provisions and deferred taxes16€77k€77k=
Deferred taxes168€77k€77k=
Amounts payable17/49€6.19M€6.11M▼
Amounts payable after more than one year17€4.28M€3.83M▼
Financial debts170/4€4.28M€3.83M▼
Amounts payable within one year42/48€1.91M€2.27M▲
Current portion of amounts payable after more than one year42€89k€91k▲
Trade debts44€27k€15k▼
Suppliers440/4€27k€15k▼
Taxes, remuneration and social security45€10k€55k▲
Taxes450/3€10k€14k▲
Remuneration and social security454/9-€41k
Other amounts payable47/48€1.78M€2.11M▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€105k€109k▲
Other operating charges640/8€10k€9k▼
Non-recurring operating charges66A-€42
Gross operating margin9900€203k€231k▲
Operating profit (loss)9901€87k€113k▲
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€64k€76k▲
Recurring financial charges65€64k€76k▲
Profit (loss) for the period before taxes9903€29k€39k▲
Income taxes67/77€9k€17k▲
Profit (loss) for the period9904€20k€22k▲
Profit (loss) for the period to be appropriated9905€20k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€231k€253k▲
Profit (loss) brought forward from the previous period14P€211k€231k▲
The notes to these accounts (9 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €20k ▼93.3%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Highest result since 2018net €301k ▲74%
Net result €301k, the highest in the series.
31-12
Financial
Equity above €500kEq €742k ▲68.3%
6 profitable years in a row build equity to €742k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
11-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 345 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Jodoigne · 1 establishment unit since 2012
Ground area
1.9 ha
Building footprint
1,151 m²
Volume, LiDAR
8,453 m³
Parcel 25048F0074/00P002, Wallonia · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VLI
since 20122.367.269.261
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25048F0074/00P002 | Wallonia | 1.9 ha | 1 · 1,151 m² | 10.9 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.
Similar companies · same sector, comparable size
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Unidevelop
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KALIMED
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Of 9,639 companies in sector 68121 we hold annual accounts for 7,323. 4,203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2006
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
66120Activities auxiliary to financial services and insurance activities
66129Activities auxiliary to financial services and insurance activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.