't Velomakerke
Active't Velomakerke has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €117k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 29% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+6
Solvency44▲+11
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.17 in 2024; short-term debt: 58.2% and cash: 1.6% of total assets), and 80.8% 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
19.2%
Return on assets
15.7%
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 24-03-2026, 129 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
129 d early
2024
23 d early
2023
23 d early
2022
28 d late
2021
30 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€143k▲ 155%
2024 · €56k
2021: €81k
2022: €233k
2023: €280k
2024: €56k
2021 → 2025
Total assets
€744k▲ 7.5%
2024 · €692k
2021: €358k
2022: €582k
2023: €721k
2024: €692k
2021 → 2025
Net result
€117k▲ 54.5%
2024 · €76k
2021: €88k
2022: €152k
2023: €47k
2024: €76k
2021 → 2025
Working capital
€110k▲ 54.9%
2024 · €71k
2021: €43k
2022: €187k
2023: €354k
2024: €71k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€233k▲ 188%€280k▲ 20.2%€56k▼ 80.0%€143k▲ 155%
Operating result€109k-€185k▲ 69.4%€104k▼ 43.7%€103k▼ 0.9%€175k▲ 69.6%
Net result€88k-€152k▲ 73.4%€47k▼ 69.1%€76k▲ 60.9%€117k▲ 54.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 70% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €744k
Fixed assets
€201k▼ 6.6%
Current assets
€543k▲ 13.9%
Equity and liabilities €744k
Equity
€143k▲ 155%
Debt
€601k▼ 5.5%
The debt ratio falls from 91.9% to 80.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€195k▲
2024 · €122k
Cash flow
€137k▲
2024 · €94k
Solvency
19.2%▲
2024 · 8.1%
Current ratio
1.25▲
2024 · 1.17
Quick ratio
0.28▲
2024 · 0.12
Debt / equity
4.20▼
2024 · 11.32
ROE
81.7%▼
2024 · 134.7%
ROA
15.7%▲
2024 · 10.9%
Interest coverage
9.43▲
2024 · 7.47
Debt
€601k▼
2024 · €636k
Debt ≤ 1 year
€433k▲
2024 · €406k
Debt > 1 year
€168k▼
2024 · €230k
Income taxes
€44k▲
2024 · €16k
Staff costs
€39k▲
2024 · €15k
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€692k€744k▲
Fixed assets21/28€215k€201k▼
Tangible fixed assets22/27€215k€201k▼
Land and buildings22€153k€147k▼
Plant, machinery and equipment23€55k€47k▼
Furniture and vehicles24€6k€7k▲
Current assets29/58€477k€543k▲
Stocks and contracts in progress3€429k€423k▼
Stocks30/36€429k€423k▼
Amounts receivable within one year40/41€24k€104k▲
Trade receivables40€11k€104k▲
Other amounts receivable41€12k-
Cash at bank and in hand54/58€22k€12k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€692k€744k▲
Equity10/15€56k€143k▲
Contributions10/11€3k€3k=
Reserves13-€117k
Distributable reserves133-€117k
Profit (loss) carried forward14€53k€23k▼
Amounts payable17/49€636k€601k▼
Amounts payable after more than one year17€230k€168k▼
Financial debts170/4€230k€168k▼
Amounts payable within one year42/48€406k€433k▲
Current portion of amounts payable after more than one year42€64k€62k▼
Financial debts43€99€812▲
Credit institutions430/8€99€812▲
Trade debts44-€25k
Suppliers440/4-€25k
Taxes, remuneration and social security45€42k€42k▲
Taxes450/3€42k€42k▲
Other amounts payable47/48€300k€303k▲
Income statement
Code20242025
Remuneration, social security and pensions62€15k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€139k€237k▲
Operating profit (loss)9901€103k€175k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€16k€21k▲
Recurring financial charges65€16k€21k▲
Profit (loss) for the period before taxes9903€92k€161k▲
Income taxes67/77€16k€44k▲
Profit (loss) for the period9904€76k€117k▲
Profit (loss) for the period to be appropriated9905€76k€117k▲
Appropriation of the result
Profit (loss) to be appropriated9906€353k€170k▼
Profit (loss) brought forward from the previous period14P€277k€53k▼
Transfer to equity691/2-€117k
To other reserves6921-€117k
Profit to be distributed694/7€300k€30k▼
Return on contributions (dividend)694€300k€30k▼
Social balance
Average headcount (FTE)90870.61.0▲
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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €100kEq €143k ▲155%
5 profitable years in a row build equity to €143k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €47k ▼69.1%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-12
Financial
Highest result since 2021net €152k ▲73.4%
Operating result €185k, net result €152k, both a record.
31-12
Financial
Equity above €200kEq €233k ▲188%
2 profitable years in a row build equity to €233k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 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, Vosselaar · 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.
Bolk 842350 VosselaarGround area
273 m²
Building footprint
271 m²
Volume, LiDAR
1,481 m³
Parcel 13046C0084/00L002, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
't Velomakerke
since 20202.308.518.935
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13046C0084/00L002 | Flanders | 273 m² | 1 · 271 m² | 9.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 495 EUR awarded · 690 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 105 EUR | 105 EUR |
| 2023 | 1 | 195 EUR | 390 EUR |
| 2022 | 1 | 195 EUR | 195 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Black and Bike Loverval
BE 0671.889.207
Charleroi · Eq €143k
FIETSEN SOUVEREYNS
BE 0695.950.254
Riemst · Eq €144k
FIETSEN HAEGHENS
BE 0427.675.572
Laarne · Eq €142k
DE CAUSMAECKER - DE VOS
BE 0478.490.409
Assenede · Eq €145k
EAST SIDE BIKE SHOP
BE 0743.405.525
Bütgenbach · Eq €141k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2020
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
95290Repair and maintenance of other personal and household goods
45402
47639Retail sale of other sporting goods
47640Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
77210Renting and leasing of sports and recreation goods
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.