V&L Concepts
ActiveSummary
The computed 12-month bankruptcy probability of V&L Concepts is 3.6% (moderate). The 2025 annual accounts show equity of €14k and a net result of €13k. Its solvency ranks better than 23% of 27786 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability67
Solvency46
Growth-
Track record67
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.37; short-term debt: 38% and cash: 43.2% of total assets), and 78.8% 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.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
21.2%
Return on assets
19.7%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
on the day
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Turnover
€248k
EBIT margin
5.4%
Net result
€13k
Working capital
€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €67k
Fixed assets
€32k
Current assets
€35k
Equity and liabilities €67k
Equity
€14k
Debt
€53k
Debt finances 78.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€17k
Cash flow
€17k
Current ratio
1.37
Debt to equity
3.72
ROE
93.0%
ROA
19.7%
Debt ≤ 1 year
€26k
Debt > 1 year
€27k
Filed annual accounts As filed with the NBB · 2025 · 33 lines
Balance sheet
Code2025
Assets
Total assets20/58€67k
Fixed assets21/28€32k
Tangible fixed assets22/27€32k
Leasing and similar rights25€32k
Current assets29/58€35k
Amounts receivable within one year40/41€6k
Trade receivables40€850
Other amounts receivable41€5k
Cash at bank and in hand54/58€29k
Equity and liabilities
Total equity and liabilities10/49€67k
Equity10/15€14k
Contributions10/11€1k
Profit (loss) carried forward14€13k
Amounts payable17/49€53k
Amounts payable after more than one year17€27k
Financial debts170/4€27k
Amounts payable within one year42/48€26k
Current portion of amounts payable after more than one year42€6k
Trade debts44€757
Suppliers440/4€757
Taxes, remuneration and social security45€18k
Taxes450/3€3k
Remuneration and social security454/9€15k
Other amounts payable47/48€850
Income statement
Code2025
Turnover70€248k
Goods, raw materials, services and sundry goods60/61€225k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k
Gross operating margin9900€17k
Operating profit (loss)9901€13k
Profit (loss) for the period before taxes9903€13k
Profit (loss) for the period9904€13k
Profit (loss) for the period to be appropriated9905€13k
Appropriation of the result
Profit (loss) to be appropriated9906€13k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Lede · 2 establishment units since 2024
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.
Poortendriesstraat 16/119340 LedeGround area
991 m²
Building footprint
151 m²
Volume, LiDAR
898 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
V&L Concepts
since 20242.355.404.874
Next Clean Services
since 20262.390.574.403
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034F0604/00N000 | Flanders | 572 m² | 1 · 100 m² | 9.3 m · 2 fl. |
| 41034F0642/00Z000 | Flanders | 419 m² | 1 · 51 m² | 8.1 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
JL & FILS CONSTRUCTION
BE 0802.282.545
Wezembeek-Oppem · Eq €14,265
MSA SERVICES
BE 0685.820.088
Zaventem · Eq €14,271
D&S Workgroup
BE 0778.362.741
Oostende · Eq €14,257
EM CONSTRUCTION
BE 0743.385.234
Gent · Eq €14,276
AXOR
BE 0886.519.325
Brussel · Eq €14,287
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 4,721 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2024
Fiscal year end31-03
Activities, NACEBEL 2025
43990Other specialised construction activities
43110Demolition
43310Plastering work
43320Joinery installation
43422Screed work
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.