CHLOÉ VDK
ActiveThe computed 12-month bankruptcy probability of CHLOÉ VDK is 1.8% (moderate). The 2025 annual accounts show equity of €83k and a net result of €30k. Equity is growing by ~56.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 18237 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.32 against 4.3 in 2024; short-term debt: 16.6% and cash: 25.2% of total assets), and 16.6% 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 · 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
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 · 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
83.4%
Return on assets
29.9%
Age of the figures
15 mo
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 30-01-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
20 d late
← 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, micro schema
Equity
€83k▲ 56.0%
2024 · €53k
2023: €23k
2024: €53k
2023 → 2025
Total assets
€100k▲ 45.5%
2024 · €69k
2023: €57k
2024: €69k
2023 → 2025
Net result
€30k▼ 0.6%
2024 · €30k
2023: €21k
2024: €30k
2023 → 2025
Working capital
€72k▲ 42.6%
2024 · €50k
2023: €19k
2024: €50k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€53k▲ 129%€83k▲ 56.0%
Operating result€27k-€38k▲ 41.0%€36k▼ 5.7%
Net result€21k-€30k▲ 41.3%€30k▼ 0.6%
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 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€11k▲ 282%
Current assets
€89k▲ 34.7%
Equity and liabilities €100k
Equity
€83k▲ 56.0%
Debt
€17k▲ 8.9%
The debt ratio falls from 22.2% to 16.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▼
2024 · €39k
Cash flow
€31k▼
2024 · €31k
Solvency
83.4%▲
2024 · 77.8%
Current ratio
5.32▲
2024 · 4.30
Quick ratio
3.62▲
2024 · 2.71
Debt / equity
0.20▼
2024 · 0.29
ROE
35.9%▼
2024 · 56.4%
ROA
29.9%▼
2024 · 43.8%
Interest coverage
436.92▲
2024 · -1640.76
Debt
€17k▲
2024 · €15k
Debt ≤ 1 year
€17k▲
2024 · €15k
Income taxes
€8k▲
2024 · €8k
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€69k€100k▲
Fixed assets21/28€3k€11k▲
Tangible fixed assets22/27€3k€11k▲
Land and buildings22-€10k
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€66k€89k▲
Stocks and contracts in progress3€24k€28k▲
Stocks30/36€24k€28k▲
Amounts receivable within one year40/41€21k€32k▲
Trade receivables40€11k€15k▲
Other amounts receivable41€10k€17k▲
Cash at bank and in hand54/58€19k€25k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€69k€100k▲
Equity10/15€53k€83k▲
Contributions10/11€2k€2k=
Reserves13€51k€81k▲
Distributable reserves133€51k€81k▲
Amounts payable17/49€15k€17k▲
Amounts payable within one year42/48€15k€17k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€12k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€40k€38k▼
Operating profit (loss)9901€38k€36k▼
Financial income75/76B€253€2k▲
Recurring financial income75€253€649▲
Non-recurring financial income76B-€2k
Financial charges65/66B€-24€84▲
Recurring financial charges65€-24€84▲
Profit (loss) for the period before taxes9903€38k€38k▼
Income taxes67/77€8k€8k▲
Profit (loss) for the period9904€30k€30k▼
Profit (loss) for the period to be appropriated9905€30k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€30k▼
Transfer to equity691/2€30k€30k▼
To other reserves6921€30k€30k▼
The notes to these accounts (5 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
30-01
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 2023net €30k ▲41.3%
Operating result €38k, net result €30k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 4.30
Current ratio from 1.56 to 4.30; short-term debt falls from €34k to €15k.
20-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mol · 1 establishment unit since 2022
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.
Gasstraat 572400 MolGround area
298 m²
Building footprint
199 m²
Volume, LiDAR
974 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHLOÉ VDK
since 20222.333.695.977
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F0516/00G005 | Flanders | 190 m² | 1 · 125 m² | 7.1 m · 1 fl. |
| 13434F0740/00R002 | Flanders | 108 m² | 1 · 74 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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DS Verkoop
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Of 263 companies in sector 47511 we hold annual accounts for 98. 69 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2022
Fiscal year end30-06
Activities, NACEBEL
47511Retail trade
47512Retail sale of household textiles and bedding
47519Retail trade
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.