VPL Consult
ActiveSummary
VPL Consult has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €261k and a net result of €33k. Equity is growing by ~36.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 1272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-11
Solvency83▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.83 in 2024; short-term debt: 20.3% and cash: 1.5% of total assets), and 42.3% 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○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 →
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
57.7%
Return on assets
7.4%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
2 d early
2022
on the day
2021
5 d early
2020
11 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€261k▲ 14.7%
2024 · €227k
2019: €59k
2020: €18k
2021: €61k
2022: €124k
2023: €155k
2024: €227k
2019 → 2025
Total assets
€451k▲ 1.2%
2024 · €446k
2019: €65k
2020: €243k
2021: €367k
2022: €364k
2023: €449k
2024: €446k
2019 → 2025
Net result
€33k▼ 53.9%
2024 · €72k
2019: €14k
2020: €-2k
2021: €43k
2022: €63k
2023: €31k
2024: €72k
2019 → 2025
Working capital
€44k▼ 30.5%
2024 · €63k
2019: €49k
2020: €-31k
2021: €-46k
2022: €-37k
2023: €34k
2024: €63k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€124k▲ 104%€155k▲ 24.9%€227k▲ 46.8%€261k▲ 14.7%
Operating result€26k-€37k▲ 42.0%€48k▲ 28.2%€54k▲ 12.2%€57k▲ 5.6%
Net result€43k-€63k▲ 48.5%€31k▼ 51.1%€72k▲ 134%€33k▼ 53.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €451k
Fixed assets
€316k ▲ 2.9%
Current assets
€135k ▼ 2.6%
Equity and liabilities €451k
Equity
€261k ▲ 14.7%
Debt
€191k ▼ 12.8%
Debt's share of the balance-sheet total falls from 49.1% to 42.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▲
2024 · €55k
Cash flow
€34k▼
2024 · €73k
Current ratio
1.48▼
2024 · 1.83
Debt to equity
0.73▼
2024 · 0.96
ROE
12.8%▼
2024 · 31.9%
ROA
7.4%▼
2024 · 16.2%
Interest coverage
9.21▲
2024 · 7.94
Debt ≤ 1 year
€92k▲
2024 · €76k
Debt > 1 year
€99k▼
2024 · €143k
Income taxes
€17k▲
2024 · €14k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€446k€451k▲
Fixed assets21/28€307k€316k▲
Tangible fixed assets22/27€2k€11k▲
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€1k€5k▲
Other tangible fixed assets26-€4k
Financial fixed assets28€305k€305k=
Current assets29/58€139k€135k▼
Amounts receivable within one year40/41€120k€119k▼
Trade receivables40€32€0▼
Other amounts receivable41€120k€119k▼
Cash at bank and in hand54/58€7k€7k▲
Deferred charges and accrued income490/1€12k€9k▼
Equity and liabilities
Total equity and liabilities10/49€446k€451k▲
Equity10/15€227k€261k▲
Contributions10/11€12k€12k=
Reserves13€215k€248k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€213k€246k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€219k€191k▼
Amounts payable after more than one year17€143k€99k▼
Financial debts170/4€143k€99k▼
Amounts payable within one year42/48€76k€92k▲
Current portion of amounts payable after more than one year42€47k€49k▲
Financial debts43€561€397▼
Credit institutions430/8€561€397▼
Trade debts44€5k€17k▲
Suppliers440/4€5k€17k▲
Taxes, remuneration and social security45€16k€15k▼
Taxes450/3€16k€15k▼
Other amounts payable47/48€7k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€907€941▲
Other operating charges640/8€640€6k▲
Gross operating margin9900€55k€64k▲
Operating profit (loss)9901€54k€57k▲
Financial income75/76B€39k€0▼
Recurring financial income75€39k€0▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€86k€50k▼
Income taxes67/77€14k€17k▲
Profit (loss) for the period9904€72k€33k▼
Profit (loss) for the period to be appropriated9905€72k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€33k▼
Profit (loss) brought forward from the previous period14P-€-14
Transfer to equity691/2€72k€33k▼
To other reserves6921€72k€33k▼
The notes to these accounts (8 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €72k ▲134%
Net result €72k, the highest in the series.
30-06
Financial
Equity above €200kEq €227k ▲46.8%
4 profitable years in a row build equity to €227k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity doublescurrent ratio 1.31
Current ratio from 0.62 to 1.31.
30-06
Financial
Equity above €150kEq €155k ▲24.9%
3 profitable years in a row build equity to €155k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €124k ▲104%
2 profitable years in a row build equity to €124k.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
20-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
30-06
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
04-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Malle · 1 establishment unit since 2013
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.
Olmenlei 32390 MalleGround area
1,094 m²
Building footprint
196 m²
Volume, LiDAR
1,163 m³
Parcel 11049B0650/00W000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Olmenlei 3, 2390 Malle
since 20132.220.881.811
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0650/00W000 | Flanders | 1,094 m² | 1 · 196 m² | 8.0 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
ADIVET
BE 0674.531.862
Chimay · Eq €260,955
CABINET VETERINAIRE FRANCOIS PIERRET
BE 0830.704.337
Gerpinnes · Eq €259,818
CABINET VETERINAIRE MARCHAND-LISSOIR
BE 0806.871.734
Neufchâteau · Eq €259,648
EXPEVET
BE 0464.104.121
Ciney · Eq €261,786
Dierenkliniek De Morette
BE 0448.243.235
Asse · Eq €262,075
Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 1,566 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
Founded13-05-2013
Fiscal year end30-06
Activities, NACEBEL 2025
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.