V-B Construction générale
ActiveThe computed 12-month bankruptcy probability of V-B Construction générale is 2.3% (moderate). The 2025 annual accounts show equity of €46k and a net result of €-33k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 35% of 7321 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
Axes · tick = 2024
Profitability0▼-9
Solvency50▼-49
Growth22▼-13
Stability100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.2 against 2.48 in 2024), and 70.5% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
29.5%
Return on assets
-21.2%
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 08-01-2026, 23 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
23 d early
2024
7 d early
2023
19 d early
2022
26 d early
2021
3 d early
2020
9 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 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€448k▲ 0.6%
2022 · €446k
2020: €651k
2021: €498k
2022: €446k
2020 → 2023
EBIT margin
0.1%▼ 0.3pp
2022 · 0.5%
2020: 14.6%
2021: -0.2%
2022: 0.5%
2020 → 2023
Net result
€-33k
2024 · €1k
2020: €71k
2021: €-2k
2022: €1k
2023: €395
2024: €1k
2020 → 2025
Working capital
€20k▼ 68.5%
2024 · €64k
2020: €57k
2021: €52k
2022: €57k
2023: €58k
2024: €64k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€498k-€446k▼ 10.5%€448k▲ 0.6%
Equity€75k-€77k▲ 1.7%€77k▲ 0.5%€79k▲ 1.9%€46k▼ 41.8%
Operating result€-964-€2k€655▼ 70.1%€5k▲ 739%€-30k
Net result€-2k-€1k€395▼ 68.6%€1k▲ 273%€-33k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €30k after €5k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€32k▲ 109%
Current assets
€123k▲ 15.1%
Equity and liabilities €155k
Equity
€46k▼ 41.8%
Debt
€109k▲ 150%
The debt ratio rises from 35.7% to 70.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-15k▼
2024 · €18k
Cash flow
€-17k▼
2024 · €14k
Solvency
29.5%▼
2024 · 64.3%
Current ratio
1.20▼
2024 · 2.48
Quick ratio
1.04▼
2024 · 2.42
Debt / equity
2.39▲
2024 · 0.55
ROE
-71.8%▼
2024 · 1.9%
ROA
-21.2%▼
2024 · 1.2%
Interest coverage
-3.40▼
2024 · 11.82
Debt
€109k▲
2024 · €44k
Debt ≤ 1 year
€103k▲
2024 · €43k
Debt > 1 year
€6k
Income taxes
€499▼
2024 · €3k
Staff costs
€38k▲
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€122k€155k▲
Fixed assets21/28€15k€32k▲
Tangible fixed assets22/27€14k€30k▲
Plant, machinery and equipment23€10k€12k▲
Furniture and vehicles24€3k€18k▲
Financial fixed assets28€2k€2k=
Current assets29/58€107k€123k▲
Stocks and contracts in progress3€2k€16k▲
Stocks30/36€2k€16k▲
Amounts receivable within one year40/41€100k€101k▲
Trade receivables40€54k€54k▼
Other amounts receivable41€46k€46k▲
Cash at bank and in hand54/58-€1k
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€122k€155k▲
Equity10/15€79k€46k▼
Contributions10/11€6k€6k=
Reserves13€53k€53k=
Non-distributable reserves130/1€630€630=
Reserves not available under the articles1311€630€630=
Distributable reserves133€52k€52k=
Profit (loss) carried forward14€19k€-14k▼
Amounts payable17/49€44k€109k▲
Amounts payable after more than one year17-€6k
Financial debts170/4-€6k
Amounts payable within one year42/48€43k€103k▲
Current portion of amounts payable after more than one year42-€10k
Financial debts43€32k€50k▲
Credit institutions430/8€32k€50k▲
Trade debts44-€36k
Suppliers440/4-€36k
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€2k€130▼
Remuneration and social security454/9€2k€7k▲
Other amounts payable47/48€8k-
Accrued charges and deferred income492/3€452-
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62€8k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€15k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€28k€27k▼
Operating profit (loss)9901€5k€-30k▼
Financial income75/76B€774€2k▲
Recurring financial income75€774€2k▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€5k€-32k▼
Income taxes67/77€3k€499▼
Profit (loss) for the period9904€1k€-33k▼
Profit (loss) for the period to be appropriated9905€1k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-14k▼
Profit (loss) brought forward from the previous period14P€19k€19k▲
Transfer to equity691/2€1k-
To other reserves6921€1k-
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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-33k ▼2329%
Net result drops to €-33k, the lowest in the series.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
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, Sint-Pieters-Leeuw · 1 establishment unit since 2019
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.
Pedestraat 791602 Sint-Pieters-LeeuwGround area
874 m²
Building footprint
272 m²
Volume, LiDAR
1,520 m³
Parcel 23089A0227/00H002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pedestraat 79, 1602 Sint-Pieters-Leeuw
since 20192.294.511.541
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23089A0227/00H002 | Flanders | 874 m² | 1 · 272 m² | 11.0 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.
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 12,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2019
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
43310Plastering work
43422Screed work
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:vbconstruction@hotmail.com
Phone:0472 71 35 46