V & D NAILS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of V & D NAILS is 1.5% (moderate). The 2024 annual accounts show equity of €168k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 69% of 1758 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

1 signal · with evidence

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 34 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2026, 365 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

The year end is derived from 8 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not confirmed	-
31-12-2024	31-07-2025	31-07-2026	365 d late	2026-00371687
31-12-2023	31-07-2024	31-07-2026	730 d late	2026-00371597
31-12-2022	31-07-2023	04-06-2024	309 d late	2024-00116018
31-12-2021	31-07-2022	20-12-2022	142 d late	2022-20541144
31-12-2020	31-07-2021	31-08-2021	31 d late	2021-65300340
31-12-2019	31-07-2020	29-10-2020	90 d late	2020-66400189
31-12-2018	31-07-2019	30-08-2019	30 d late	2019-59200208
31-12-2017	31-07-2018	03-12-2019	490 d late	2019-75400426

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2015, 10 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.5% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate region +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot included in this filing

EBIT marginNot included in this filing

Net result€24k

Working capital€236k+20.7%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 31-07-2026 with the NBB · fiscal year 2024 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~78% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 96, Personal services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	36.8%	14.9%	better than 69% of 1758 sector peers
Net result	€24k	€1k	better than 86% of 1755 sector peers
Equity	€168k	€5k	better than 95% of 1763 sector peers
Gross operating margin	€175k	€16k	better than 93% of 1753 sector peers
Staff costs	€109k	€28k	higher than 84% of 802 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P69

Improving position over 2020-2024 · n=295-1758

Net result P86

Stable position over 2020-2024 · n=295-1755

Equity P95

Improving position over 2020-2024 · n=296-1763

Gross operating margin P93

Improving position over 2020-2024 · n=295-1753

Describes the position versus peers, not a forecast.

EBITDA

€55k

+5026.9% 18-24

Net profit

€24k

- 18-24

Cash flow

€32k

+4365.2% 18-24

Total assets

€457k

+1.8% 18-24

Equity

€168k

+16.7% 18-24

Working capital

€236k

+20.7% 18-24

Employees (FTE)

4

+10.0% 18-24

Staff costs

€109k

-22.9% 18-24

Show 11 other metrics

Income taxes

€21k

+495.2% 18-24

Debt

€289k

-5.2% 18-24

Debt ≤ 1y

€217k

-10.0% 18-24

Debt > 1y

€57k

-11.4% 18-24

Current ratio

2.09

+15.3% 18-24

Quick ratio

1.30

+10.9% 18-24

Solvency

36.8%

+14.7% 18-24

Debt / equity

1.72

-18.8% 18-24

ROE

14.3%

- 18-24

ROA

5.3%

- 18-24

Interest coverage

79.73

+2774.6% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	abbreviated schema
Revenue	-
EBITDA	€55k
Net profit	€24k
Cash flow	€32k
Staff costs	€109k
Income taxes	€21k
Dividends	-
Total assets	€457k
Equity	€168k
Debt	€289k
of which ≤ 1y	€217k
of which > 1y	€57k
Working capital	€236k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.09
Quick ratio	1.30
Working capital ratio	51.7%
Solvency	36.8%
Debt / equity	1.72
Long-term debt ratio	0.34
Interest coverage	79.73
Gross margin	-
Net margin	-
ROA	5.3%
ROE	14.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €4k · 0.9% Current assets €453k · 99.1%

Equity & liabilities

Equity €168k · 36.8% Debt €289k · 63.2%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€457k
Fixed assets	21/28	€4k
Financial fixed assets	28	€4k
Current assets	29/58	€453k
Stocks & contracts in progress	3	€172k
Amounts receivable within one year	40/41	€175k
Cash & bank	54/58	€45k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€457k
Equity	10/15	€168k
Contributions / capital	10/11	€20k
Accumulated profits (losses)	14	€148k
Amounts payable	17/49	€289k
Amounts payable after one year	17	€57k
Amounts payable within one year	42/48	€217k
Trade debts payable within one year	44	€92k
Income statement
Gross operating margin	9900	€175k
Operating result	9901	€46k
Financial income	75	€9
Financial charges	65	€685
Result before taxes	9903	€46k
Income taxes	67/77	€21k
Net result for the period	9904	€24k
Result to be appropriated	9905	€24k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

5 companies at this address See who is registered here

Establishment units

2 locations

Georges Henrilaan 493, 1200 Sint-Lambrechts-Woluwe

Groothandel in parfumerieën en cosmetica

since 20152.249.480.280

Nails Boutique & beauty

Diestsestraat 150, 3000 LeuvenManicure en pedicure

since 20172.270.204.430

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area8,273 m²

Buildings2

Building footprint3,156 m²

Volume (LiDAR)27,566 m³

Tallest building21.1 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Brussels 1 (50%)