V & D CONSTRUCT
ActiveV & D CONSTRUCT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-36k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-10
Solvency65▼-35
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.32 against 3.1 in 2024), and 62.7% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
37.3%
Return on assets
-47.2%
Age of the figures
8 mo
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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
60 d late
2023
22 d late
2022
4 d early
2021
25 d early
2020
9 d late
2019
81 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 55.8%
2024 · €64k
2018: €-2k
2019: €54k
2020: €84k
2021: €72k
2022: €104k
2023: €63k
2024: €64k
2018 → 2025
Total assets
€76k▼ 15.6%
2024 · €90k
2018: €173k
2019: €214k
2020: €234k
2021: €280k
2022: €203k
2023: €142k
2024: €90k
2018 → 2025
Net result
€-36k
2024 · €1k
2018: €21k
2019: €56k
2020: €30k
2021: €-12k
2022: €32k
2023: €-41k
2024: €1k
2018 → 2025
Working capital
€15k▼ 71.7%
2024 · €54k
2018: €-47k
2019: €4k
2020: €21k
2021: €1k
2022: €79k
2023: €39k
2024: €54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€104k▲ 45.0%€63k▼ 39.4%€64k▲ 2.0%€28k▼ 55.8%
Operating result€-6k-€14k€-35k€9k€-26k
Net result€-12k-€32k€-41k€1k€-36k
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 €26k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€13k▲ 27.0%
Current assets
€63k▼ 21.1%
Equity and liabilities €76k
Equity
€28k▼ 55.8%
Debt
€48k▲ 84.9%
The debt ratio rises from 28.6% to 62.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-23k▼
2024 · €12k
Cash flow
€-33k▼
2024 · €4k
Solvency
37.3%▼
2024 · 71.4%
Current ratio
1.32▼
2024 · 3.10
Quick ratio
1.32▼
2024 · 3.10
Debt / equity
1.68▲
2024 · 0.40
ROE
-126.5%▼
2024 · 2.0%
ROA
-47.2%▼
2024 · 1.4%
Interest coverage
-2.28▼
2024 · 1.49
Debt
€48k▲
2024 · €26k
Debt ≤ 1 year
€48k▲
2024 · €26k
Income taxes
€274▲
2024 · €266
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€90k€76k▼
Fixed assets21/28€10k€13k▲
Tangible fixed assets22/27€8k€11k▲
Land and buildings22-€1k
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€4k€4k▼
Financial fixed assets28€3k€3k=
Current assets29/58€80k€63k▼
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Amounts receivable within one year40/41€43k€31k▼
Trade receivables40€30k€20k▼
Other amounts receivable41€12k€10k▼
Cash at bank and in hand54/58€14k€9k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€90k€76k▼
Equity10/15€64k€28k▼
Contributions10/11€19k€19k=
Reserves13€69k€69k=
Distributable reserves133€69k€69k=
Profit (loss) carried forward14€-24k€-59k▼
Amounts payable17/49€26k€48k▲
Amounts payable within one year42/48€26k€48k▲
Trade debts44€16k€38k▲
Suppliers440/4€16k€38k▲
Taxes, remuneration and social security45€10k€329▼
Taxes450/3€969€329▼
Remuneration and social security454/9€9k-
Other amounts payable47/48€200€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€6k€651▼
Non-recurring operating charges66A€9k-
Gross operating margin9900€27k€-22k▼
Operating profit (loss)9901€9k€-26k▼
Financial income75/76B€396€596▲
Recurring financial income75€396€596▲
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€2k€-36k▼
Income taxes67/77€266€274▲
Profit (loss) for the period9904€1k€-36k▼
Profit (loss) for the period to be appropriated9905€1k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-59k▼
Profit (loss) brought forward from the previous period14P€-25k€-24k▲
The notes to these accounts (8 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
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Weakest financial yearnet €-41k ▼227%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.04
Current ratio from 1.01 to 2.04; short-term debt falls from €125k to €76k.
31-12
Financial
Equity above €100kEq €104k ▲45%
Equity rises from €72k to €104k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 81 days late
2019
31-12
Financial
Highest result since 2018net €56k ▲163%
Operating result €80k, net result €56k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
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, Riemst · 1 establishment unit since 1997
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.
Kerkveld 113770 RiemstGround area
3,145 m²
Building footprint
365 m²
Volume, LiDAR
1,859 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kruisstraat 3, 3920 Lommel
since 19972.082.500.423
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1337/00V000 | Flanders | 2,330 m² | 1 · 199 m² | 8.1 m · 1 fl. |
| 73027A1127/00E000 | Flanders | 814 m² | 1 · 166 m² | 8.8 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.
Similar companies · same sector, comparable size
B.S.O. @ HOME RENO
BE 0797.299.022
Kapellen · Eq €28k
FIRENO
BE 0829.980.005
Wetteren · Eq €28k
IOSIAG CARRELAGE
BE 0797.852.417
Sint-Pieters-Leeuw · Eq €28k
HARDY PROJECTS
BE 1022.789.972
Zonhoven · Eq €28k
Les Editions du Grand Vingtième
BE 0443.091.842
Gembloux · Eq €28k
Of 7,248 companies in sector 43350 we hold annual accounts for 2,333. 1,872 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-1997
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.