VP Invest
ActiveVP Invest has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.34M and a net result of €-52k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 22% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
46
/ 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
Profitability22▼-9
Solvency29▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 17.97 against 28.53 in 2024; short-term debt: 3.7% and cash: 0.1% of total assets), but 95.5% 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
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 68
Relative position
BE, all sectors
reference
Sector 68
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
4.5%
Return on assets
-0.2%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9183 sector peers (2025).
NBB · sector comparisonPosition among 9183 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
2 d late
2024
on the day
2023
on the day
2022
on the day
2021
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.34M▼ 3.7%
2024 · €1.40M
2021: €144k
2022: €918k
2023: €1.14M
2024: €1.40M
2021 → 2025
Total assets
€30.17M▲ 47.0%
2024 · €20.53M
2021: €3.56M
2022: €10.20M
2023: €13.66M
2024: €20.53M
2021 → 2025
Net result
€-52k
2024 · €254k
2021: €-206k
2022: €-226k
2023: €224k
2024: €254k
2021 → 2025
Working capital
€19.13M▲ 50.6%
2024 · €12.70M
2021: €1.32M
2022: €5.98M
2023: €7.86M
2024: €12.70M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€918k▲ 539%€1.14M▲ 24.4%€1.40M▲ 22.3%€1.34M▼ 3.7%
Operating result€-204k-€-78k▲ 61.9%€166k€490k▲ 195%€-8k
Net result€-206k-€-226k▼ 9.5%€224k€254k▲ 13.4%€-52k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €490k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30.17M
Fixed assets
€9.92M▲ 34.5%
Current assets
€20.26M▲ 53.9%
Equity and liabilities €30.17M
Equity
€1.34M▼ 3.7%
Debt
€28.83M▲ 50.7%
The debt ratio rises from 93.2% to 95.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€258k▼
2024 · €620k
Cash flow
€213k▼
2024 · €384k
Solvency
4.5%▼
2024 · 6.8%
Current ratio
17.97▼
2024 · 28.53
Quick ratio
9.85▼
2024 · 16.07
Debt / equity
21.44▲
2024 · 13.70
ROE
-3.9%▼
2024 · 18.2%
ROA
-0.2%▼
2024 · 1.2%
Interest coverage
0.40▼
2024 · 1.34
Debt
€28.83M▲
2024 · €19.13M
Debt ≤ 1 year
€1.13M▲
2024 · €461k
Debt > 1 year
€27.14M▲
2024 · €18.47M
Income taxes
€349▼
2024 · €33k
Staff costs
€48k▲
2024 · €33k
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€20.53M€30.17M▲
Fixed assets21/28€7.37M€9.92M▲
Tangible fixed assets22/27€5.66M€8.05M▲
Land and buildings22€5.55M€8.03M▲
Furniture and vehicles24€29k€23k▼
Assets under construction and advance payments27€79k€0▼
Financial fixed assets28€1.71M€1.87M▲
Current assets29/58€13.16M€20.26M▲
Amounts receivable after more than one year29€2.91M€5.87M▲
Other amounts receivable291€2.91M€5.87M▲
Stocks and contracts in progress3€5.75M€9.15M▲
Stocks30/36€5.75M€9.15M▲
Amounts receivable within one year40/41€3.02M€3.59M▲
Trade receivables40€158k€362k▲
Other amounts receivable41€2.86M€3.23M▲
Current investments50/53€1.29M€1.19M▼
Cash at bank and in hand54/58€21k€24k▲
Deferred charges and accrued income490/1€174k€426k▲
Equity and liabilities
Total equity and liabilities10/49€20.53M€30.17M▲
Equity10/15€1.40M€1.34M▼
Contributions10/11€1.35M€1.35M=
Reserves13€47k€0▼
Distributable reserves133€47k€0▼
Profit (loss) carried forward14-€-6k
Amounts payable17/49€19.13M€28.83M▲
Amounts payable after more than one year17€18.47M€27.14M▲
Financial debts170/4€8.41M€12.05M▲
Other amounts payable178/9€10.06M€15.09M▲
Amounts payable within one year42/48€461k€1.13M▲
Current portion of amounts payable after more than one year42€267k€363k▲
Financial debts43€75k€75k▲
Other loans439€75k€75k▲
Trade debts44€107k€33k▼
Suppliers440/4€107k€33k▼
Advances received on contracts in progress46-€640k
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48-€4k
Accrued charges and deferred income492/3€205k€557k▲
Income statement
Code20242025
Non-recurring operating income76A€177k€52k▼
Remuneration, social security and pensions62€33k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€130k€265k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€7k€2k▼
Other operating charges640/8€63k€39k▼
Non-recurring operating charges66A-€8k
Gross operating margin9900€723k€354k▼
Operating profit (loss)9901€490k€-8k▼
Financial income75/76B€259k€596k▲
Recurring financial income75€259k€596k▲
Financial charges65/66B€462k€640k▲
Recurring financial charges65€462k€640k▲
Profit (loss) for the period before taxes9903€287k€-52k▼
Income taxes67/77€33k€349▼
Profit (loss) for the period9904€254k€-52k▼
Profit (loss) for the period to be appropriated9905€254k€-52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€-52k▼
Profit (loss) brought forward from the previous period14P€-208k€0▲
Transfer from equity791/2-€47k
Transfer to equity691/2€47k€0▼
To other reserves6921€47k€0▼
Social balance
Average headcount (FTE)90870.60.8▲
The notes to these accounts (26 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2021net €254k ▲13.4%
Operating result €490k, net result €254k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €224k
Net result €224k after 2 loss-making years.
30-06
Financial
Equity above €1MEq €1.14M ▲24.4%
Equity rises from €918k to €1.14M.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €-226k
Net result drops to €-226k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 30.64
Current ratio from 9.62 to 30.64.
30-06
Financial
Equity above €500kEq €918k ▲539%
Equity rises from €144k to €918k.
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zandhoven · 1 establishment unit since 2020
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.
Langestraat 992240 ZandhovenGround area
981 m²
Building footprint
263 m²
Volume, LiDAR
594 m³
Parcel 11054C0003/00F009, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VP Invest
since 20202.302.690.126
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11054C0003/00F009 | Flanders | 981 m² | 1 · 263 m² | 6.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755003UQMWZYAODWU58
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,024 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2020
Fiscal year end30-06
Activities, NACEBEL
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.