IMMO VLDB
ActiveIMMO VLDB has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 29% of 2268 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency35▲+20
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.83 against 1.07 in 2024), but 97.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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
2.1%
Return on assets
-1.3%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€5k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-02-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
25 d early
2023
21 d early
2022
34 d early
2021
41 d early
2020
4 d late
2019
14 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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 38.6%
2024 · €12k
2019: €-49k
2020: €-53k
2021: €-73k
2022: €29k
2023: €18k
2024: €12k
2019 → 2025
Total assets
€349k▼ 3.8%
2024 · €363k
2019: €442k
2020: €434k
2021: €433k
2022: €371k
2023: €358k
2024: €363k
2019 → 2025
Net result
€-5k▲ 27.0%
2024 · €-6k
2019: €-17k
2020: €-4k
2021: €-20k
2022: €102k
2023: €-11k
2024: €-6k
2019 → 2025
Working capital
€19k▲ 1,286%
2024 · €1k
2019: €-129k
2020: €4k
2021: €1k
2022: €9k
2023: €10k
2024: €1k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-73k-€29k€18k▼ 37.1%€12k▼ 34.6%€7k▼ 38.6%
Operating result€-22k-€100k€-12k€-5k▲ 56.1%€-4k▲ 28.4%
Net result€-20k-€102k€-11k€-6k▲ 41.4%€-5k▲ 27.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349k
Fixed assets
€320k▼ 6.6%
Current assets
€29k▲ 43.2%
Equity and liabilities €349k
Equity
€7k▼ 38.6%
Debt
€341k▼ 2.7%
The debt ratio rises from 96.7% to 97.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€19k▲
2024 · €16k
Cash flow
€18k▲
2024 · €15k
Solvency
2.1%▼
2024 · 3.3%
Current ratio
2.83▲
2024 · 1.07
Quick ratio
2.63▲
2024 · 0.97
Debt / equity
46.43▲
2024 · 29.30
ROE
-62.8%▼
2024 · -52.8%
ROA
-1.3%▲
2024 · -1.7%
Interest coverage
22.49▲
2024 · 15.55
Debt
€341k▼
2024 · €351k
Debt ≤ 1 year
€10k▼
2024 · €19k
Debt > 1 year
€331k▼
2024 · €332k
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€363k€349k▼
Fixed assets21/28€342k€320k▼
Tangible fixed assets22/27€342k€320k▼
Land and buildings22€319k€304k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€15k€9k▼
Current assets29/58€20k€29k▲
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€5k€16k▲
Trade receivables40€5k€15k▲
Other amounts receivable41€60€60=
Cash at bank and in hand54/58€12k€11k▼
Deferred charges and accrued income490/1€1k€641▼
Equity and liabilities
Total equity and liabilities10/49€363k€349k▼
Equity10/15€12k€7k▼
Contributions10/11€19k€19k=
Revaluation surpluses12€13k€13k=
Profit (loss) carried forward14€-19k€-24k▼
Amounts payable17/49€351k€341k▼
Amounts payable after more than one year17€332k€331k▼
Financial debts170/4€332k€331k▼
Amounts payable within one year42/48€19k€10k▼
Current portion of amounts payable after more than one year42€11k€3k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€23k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€18k€23k▲
Operating profit (loss)9901€-5k€-4k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€1k€842▼
Recurring financial charges65€1k€842▼
Profit (loss) for the period before taxes9903€-6k€-5k▲
Profit (loss) for the period9904€-6k€-5k▲
Profit (loss) for the period to be appropriated9905€-6k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-24k▼
Profit (loss) brought forward from the previous period14P€-13k€-19k▼
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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
30-06
Financial
Liquidity triplescurrent ratio 2.83
Current ratio from 1.07 to 2.83; short-term debt falls from €19k to €10k.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €102k
Net result €102k after 3 loss-making years.
30-06
Financial
Liquidity triplescurrent ratio 3.89
Current ratio from 1.15 to 3.89; short-term debt falls from €8k to €3k.
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
30-06
Financial
Liquidity times 167current ratio 1.99
Current ratio from 0.01 to 1.99; short-term debt falls from €131k to €5k.
14-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
23-01
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
4 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, Laarne · 1 establishment unit since 2015
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.
Heirweg 449270 LaarneGround area
746 m²
Building footprint
171 m²
Volume, LiDAR
614 m³
Parcel 42009D1311/00G002, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
-
since 20152.246.849.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009D1311/00G002 | Flanders | 746 m² | 1 · 171 m² | 6.4 m · 1 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
Concordia Sporthorses
BE 0702.869.324
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DDG Projects
BE 0763.941.316
Oostkamp · Eq €7k
ELSAN
BE 0678.507.872
Koekelare · Eq €7k
DE ZEVEN BUNDERS
BE 1010.908.660
Vilvoorde · Eq €7k
ARES TRAINING
BE 1016.791.513
Mons · Eq €7k
Of 3,283 companies in sector 93110 we hold annual accounts for 1,488. 490 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2015
Fiscal year end30-06
Activities, NACEBEL
93110Operation of sports facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.