BOUWCONCEPT VRL
ActiveBOUWCONCEPT VRL has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €323k and a net result of €19k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-4
Solvency83▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.35 against 2.13 in 2024; short-term debt: 41.8% and cash: 6% of total assets), and 41.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
58.1%
Return on assets
3.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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
2 d late
2024
4 d late
2023
323 d late
2022
7 d early
2021
on the day
2020
25 d late
2019
8 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€323k▲ 6.2%
2024 · €304k
2019: €78k
2020: €146k
2021: €176k
2022: €218k
2023: €268k
2024: €304k
2019 → 2025
Total assets
€555k▲ 0.6%
2024 · €551k
2019: €164k
2020: €246k
2021: €298k
2022: €547k
2023: €578k
2024: €551k
2019 → 2025
Net result
€19k▼ 46.9%
2024 · €36k
2019: €31k
2020: €68k
2021: €30k
2022: €42k
2023: €50k
2024: €36k
2019 → 2025
Working capital
€312k▲ 15.6%
2024 · €270k
2019: €43k
2020: €102k
2021: €137k
2022: €120k
2023: €198k
2024: €270k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€218k▲ 24.1%€268k▲ 22.8%€304k▲ 13.3%€323k▲ 6.2%
Operating result€46k-€62k▲ 36.7%€78k▲ 25.2%€54k▼ 31.3%€30k▼ 43.7%
Net result€30k-€42k▲ 39.4%€50k▲ 17.3%€36k▼ 28.5%€19k▼ 46.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 44% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €555k
Fixed assets
€10k▼ 76.3%
Current assets
€545k▲ 7.1%
Equity and liabilities €555k
Equity
€323k▲ 6.2%
Debt
€232k▼ 6.3%
The debt ratio falls from 44.9% to 41.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▼
2024 · €88k
Cash flow
€52k▼
2024 · €70k
Solvency
58.1%▲
2024 · 55.1%
Current ratio
2.35▲
2024 · 2.13
Quick ratio
2.35▲
2024 · 2.13
Debt / equity
0.72▼
2024 · 0.82
ROE
5.9%▼
2024 · 11.7%
ROA
3.4%▼
2024 · 6.5%
Interest coverage
56.82▲
2024 · 30.44
Debt
€232k▼
2024 · €248k
Debt ≤ 1 year
€232k▼
2024 · €238k
Debt > 1 year
€97▼
2024 · €9k
Income taxes
€10k▼
2024 · €15k
Staff costs
€26k
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€551k€555k▲
Fixed assets21/28€43k€10k▼
Tangible fixed assets22/27€43k€10k▼
Land and buildings22€0€0=
Plant, machinery and equipment23€329€247▼
Furniture and vehicles24€42k€10k▼
Leasing and similar rights25€0€0=
Current assets29/58€509k€545k▲
Amounts receivable after more than one year29€318k€318k=
Other amounts receivable291€318k€318k=
Amounts receivable within one year40/41€178k€193k▲
Trade receivables40€133k€71k▼
Other amounts receivable41€46k€122k▲
Cash at bank and in hand54/58€12k€33k▲
Equity and liabilities
Total equity and liabilities10/49€551k€555k▲
Equity10/15€304k€323k▲
Contributions10/11€6k€6k=
Reserves13€262k€316k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€260k€314k▲
Profit (loss) carried forward14€36k-
Amounts payable17/49€248k€232k▼
Amounts payable after more than one year17€9k€97▼
Financial debts170/4€9k€97▼
Amounts payable within one year42/48€238k€232k▼
Current portion of amounts payable after more than one year42€1k€3k▲
Trade debts44€191k€188k▼
Suppliers440/4€191k€188k▼
Taxes, remuneration and social security45€26k€41k▲
Taxes450/3€26k€23k▼
Remuneration and social security454/9-€18k
Other amounts payable47/48€20k-
Income statement
Code20242025
Remuneration, social security and pensions62-€26k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€33k▼
Other operating charges640/8€1k€943▼
Gross operating margin9900€89k€90k▲
Operating profit (loss)9901€54k€30k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€51k€29k▼
Income taxes67/77€15k€10k▼
Profit (loss) for the period9904€36k€19k▼
Profit (loss) for the period to be appropriated9905€36k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€54k▲
Profit (loss) brought forward from the previous period14P-€36k
Transfer to equity691/2-€54k
To other reserves6921-€54k
The notes to these accounts (6 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 · micro schema · 2 days late
2025
30-06
Financial
Weakest financial yearnet €19k ▼46.9%
Net result drops to €19k, the lowest in the series.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 323 days late
2023
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €200kEq €218k ▲24.1%
4 profitable years in a row build equity to €218k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €176k ▲20.9%
3 profitable years in a row build equity to €176k.
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-06
Financial
Highest result since 2019net €68k ▲120%
Operating result €101k, net result €68k, both a record.
30-06
Financial
Equity above €100kEq €146k ▲87%
2 profitable years in a row build equity to €146k.
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
2016
21-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 50 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Maasmechelen · 1 establishment unit since 2011
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.
Bredeweg(O) 683630 MaasmechelenGround area
619 m²
Building footprint
141 m²
Volume, LiDAR
939 m³
Parcel 73060C0197/00A000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bouwconcept VRL
since 20112.203.629.667
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73060C0197/00A000 | Flanders | 619 m² | 1 · 141 m² | 9.0 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
ALL-MAT-EL
BE 0444.020.666
Pajottegem · Eq €323k
Trisca
BE 0446.631.748
Rixensart · Eq €325k
AGAMETAAL
BE 0451.970.411
Wetteren · Eq €325k
EASYKIT WEST
BE 0735.498.441
Rotselaar · Eq €320k
SANIVELLES
BE 0466.226.144
Nivelles · Eq €317k
Of 1,720 companies in sector 47521 we hold annual accounts for 1,288. 1,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-06-2011
Fiscal year end30-06
Activities, NACEBEL
43221Plumbing work
43320Joinery installation
47521Retail sale of hardware, building materials, paint and glass (general range)
41001General construction of residential buildings
43350Other building finishing work
43910Bricklaying and masonry work
43994Specialised construction activities
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.