GROUP VMB
ActiveSummary
The computed 12-month bankruptcy probability of GROUP VMB is 1.8% (moderate). The annual accounts of GROUP VMB for fiscal year 2025 show a net loss of 57% of the equity at the start of that year. The 2025 annual accounts show equity of €25k and a net result of €-34k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 18280 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-40
Solvency29▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.81 against 0.59 in 2024; short-term debt: 62% and cash: 17.4% of total assets), and 96.3% 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.
+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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.7%
Return on assets
-4.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-34k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 18280 sector peers (2025).
NBB · sector comparisonPosition among 18280 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 6 filingsDeviation from the deadline
2025
28 d late
2024
70 d late
2023
30 d late
2022
29 d late
2021
4 d early
2020
31 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
€25k▼ 56.9%
2024 · €59k
2020: €-33k
2021: €57k
2022: €61k
2023: €63k
2024: €59k
2020 → 2025
Total assets
€686k▲ 56.4%
2024 · €439k
2020: €529k
2021: €608k
2022: €510k
2023: €465k
2024: €439k
2020 → 2025
Net result
€-34k▼ 751%
2024 · €-4k
2020: €-68k
2021: €92k
2022: €6k
2023: €4k
2024: €-4k
2020 → 2025
Working capital
€-81k▼ 75.4%
2024 · €-46k
2020: €-165k
2021: €61k
2022: €-71k
2023: €-55k
2024: €-46k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€61k▲ 7.5%€63k▲ 3.6%€59k▼ 6.3%€25k▼ 56.9%
Operating result€108k-€16k▼ 85.1%€13k▼ 16.6%€4k▼ 70.9%€-27k
Net result€92k-€6k▼ 93.6%€4k▼ 35.5%€-4k€-34k▼ 751%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €27k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €686k
Fixed assets
€341k ▼ 8.4%
Current assets
€345k ▲ 422%
Equity and liabilities €686k
Equity
€25k ▼ 56.9%
Debt
€661k ▲ 74.1%
Debt's share of the balance-sheet total rises from 86.5% to 96.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €48k
Cash flow
€6k▼
2024 · €40k
Current ratio
0.81▲
2024 · 0.59
Quick ratio
0.49▼
2024 · 0.53
Debt to equity
25.93▲
2024 · 6.42
ROE
-132.1%▼
2024 · -6.7%
ROA
-4.9%▼
2024 · -0.9%
Interest coverage
1.82▼
2024 · 6.24
Debt ≤ 1 year
€426k▲
2024 · €112k
Debt > 1 year
€235k▼
2024 · €267k
Staff costs
€40k▼
2024 · €75k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€439k€686k▲
Fixed assets21/28€373k€341k▼
Tangible fixed assets22/27€373k€341k▼
Land and buildings22€358k€331k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€11k€9k▼
Current assets29/58€66k€345k▲
Stocks and contracts in progress3€7k€137k▲
Stocks30/36€7k€137k▲
Amounts receivable within one year40/41€28k€87k▲
Trade receivables40€21k€69k▲
Other amounts receivable41€7k€19k▲
Cash at bank and in hand54/58€7k€119k▲
Deferred charges and accrued income490/1€25k€754▼
Equity and liabilities
Total equity and liabilities10/49€439k€686k▲
Equity10/15€59k€25k▼
Contributions10/11€35k€35k=
Reserves13€28k€28k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€-4k€-38k▼
Amounts payable17/49€380k€661k▲
Amounts payable after more than one year17€267k€235k▼
Financial debts170/4€267k€235k▼
Amounts payable within one year42/48€112k€426k▲
Current portion of amounts payable after more than one year42€32k€32k▲
Financial debts43-€135k
Credit institutions430/8-€135k
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Advances received on contracts in progress46€4k€11k▲
Taxes, remuneration and social security45€9k€2k▼
Taxes450/3€2k-
Remuneration and social security454/9€7k€2k▼
Other amounts payable47/48€59k€243k▲
Income statement
Code20242025
Non-recurring operating income76A€4k-
Remuneration, social security and pensions62€75k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€39k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€126k€56k▼
Operating profit (loss)9901€4k€-27k▼
Financial income75/76B€63€4▼
Recurring financial income75€63€4▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€-4k€-34k▼
Income taxes67/77€206-
Profit (loss) for the period9904€-4k€-34k▼
Profit (loss) for the period to be appropriated9905€-4k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-38k▼
Profit (loss) brought forward from the previous period14P€89€-4k▼
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €92k
Net result €92k after one loss-making year.
31-12
Financial
Liquidity times 8current ratio 1.85
Current ratio from 0.22 to 1.85; short-term debt falls from €211k to €72k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 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, Sint-Truiden · 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.
Hasseltsesteenweg 1083800 Sint-TruidenGround area
657 m²
Building footprint
159 m²
Volume, LiDAR
858 m³
Parcel 71352D0182/00Z004, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hasseltsesteenweg 108, 3800 Sint-Truiden
since 20202.303.243.422
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0182/00Z004 | Flanders | 657 m² | 1 · 159 m² | 9.7 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 2,860 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
Founded16-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
56111Full-service restaurants
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.