VR&CO
ActiveSummary
VR&CO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €11k. Equity is growing by ~28.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-25
Solvency100▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.0 in 2024; short-term debt: 12.6% and cash: 1.9% of total assets), and 18.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
81.7%
Return on assets
6.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
24 d early
2024
4 d late
2023
27 d late
2022
31 d late
2021
25 d late
2020
31 d late
2019
91 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, micro schema
Equity
€143k▲ 8.1%
2024 · €132k
2019: €8k
2020: €27k
2021: €49k
2022: €82k
2023: €97k
2024: €132k
2019 → 2025
Total assets
€175k▼ 8.3%
2024 · €191k
2019: €18k
2020: €56k
2021: €215k
2022: €209k
2023: €185k
2024: €191k
2019 → 2025
Net result
€11k▼ 69.8%
2024 · €35k
2019: €2k
2020: €20k
2021: €22k
2022: €33k
2023: €15k
2024: €35k
2019 → 2025
Working capital
€4k
2024 · €-71
2019: €5k
2020: €24k
2021: €-65k
2022: €-52k
2023: €-27k
2024: €-71
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€82k▲ 66.9%€97k▲ 17.7%€132k▲ 36.5%€143k▲ 8.1%
Operating result€37k-€51k▲ 37.7%€28k▼ 45.9%€54k▲ 94.6%€21k▼ 61.1%
Net result€22k-€33k▲ 50.9%€15k▼ 55.8%€35k▲ 143%€11k▼ 69.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175k
Fixed assets
€149k ▼ 0.8%
Current assets
€26k ▼ 36.0%
Equity and liabilities €175k
Equity
€143k ▲ 8.1%
Debt
€32k ▼ 45.3%
Debt's share of the balance-sheet total falls from 30.7% to 18.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €57k
Cash flow
€14k▼
2024 · €39k
Current ratio
1.18▲
2024 · 1.00
Debt to equity
0.22▼
2024 · 0.44
ROE
7.5%▼
2024 · 26.8%
ROA
6.1%▼
2024 · 18.5%
Interest coverage
4.91▼
2024 · 14.23
Debt ≤ 1 year
€22k▼
2024 · €41k
Debt > 1 year
€10k▼
2024 · €18k
Income taxes
€5k▼
2024 · €14k
Staff costs
€3k▲
2024 · €2k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€191k€175k▼
Fixed assets21/28€150k€149k▼
Tangible fixed assets22/27€13k€11k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€13k€10k▼
Financial fixed assets28€138k€138k=
Current assets29/58€41k€26k▼
Amounts receivable within one year40/41€14k€21k▲
Trade receivables40€8k€10k▲
Other amounts receivable41€6k€11k▲
Cash at bank and in hand54/58€22k€3k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€191k€175k▼
Equity10/15€132k€143k▲
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Reserves13€40k€51k▲
Non-distributable reserves130/1€80€80=
Reserves not available under the articles1311€80€80=
Distributable reserves133€40k€51k▲
Profit (loss) carried forward14€86k€86k=
Amounts payable17/49€59k€32k▼
Amounts payable after more than one year17€18k€10k▼
Financial debts170/4€18k€10k▼
Amounts payable within one year42/48€41k€22k▼
Current portion of amounts payable after more than one year42€18k€14k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€18k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€2k€523▼
Gross operating margin9900€62k€27k▼
Operating profit (loss)9901€54k€21k▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€50k€16k▼
Income taxes67/77€14k€5k▼
Profit (loss) for the period9904€35k€11k▼
Profit (loss) for the period to be appropriated9905€35k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€97k▼
Profit (loss) brought forward from the previous period14P€76k€86k▲
Transfer to equity691/2€25k€11k▼
To other reserves6921€25k€11k▼
The notes to these accounts (7 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Highest result since 2019net €35k ▲143%
Operating result €54k, net result €35k, both a record.
31-12
Financial
Equity above €100kEq €132k ▲36.5%
6 profitable years in a row build equity to €132k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
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, Grez-Doiceau · 1 establishment unit since 2018
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.
Rue Léon Evrard 191390 Grez-DoiceauGround area
1,519 m²
Building footprint
94 m²
Volume, LiDAR
746 m³
Parcel 25012C0233/00E000, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VR&CO
since 20182.281.616.776
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25012C0233/00E000 | Wallonia | 1,519 m² | 1 · 94 m² | 9.6 m · 3 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
AFONDO
BE 0785.878.360
Herent · Eq €143,205
VEVA
BE 0457.832.971
Aalst · Eq €143,193
HOTBEL
BE 1018.856.227
Liège · Eq €143,226
FREDERIC STAINIER
BE 0832.260.493
Tubize · Eq €143,230
PROGRESS COMMUNICATIONS
BE 0823.467.048
Antwerpen · Eq €143,231
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,862 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
Founded26-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
66199Other activities auxiliary to financial services, excluding insurance and pension funding
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.