V & T
ActiveSummary
V & T has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €272k and a net result of €37k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 60% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76=
Solvency67▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity short (current ratio 0.45 against 0.38 in 2024; short-term debt: 55% and cash: 24.8% of total assets), and 57.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
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
42.2%
Return on assets
5.7%
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 02-01-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
38 d early
2023
43 d early
2022
42 d early
2021
41 d early
2020
19 d early
2019
11 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€272k▲ 15.6%
2024 · €235k
Total assets
€644k▼ 3.5%
2024 · €667k
Net result
€37k▲ 1.9%
2024 · €36k
Working capital
€-193k▲ 21.8%
2024 · €-247k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€32k▲ 17.2%€50k▲ 56.6%€74k▲ 49.6%€55k▼ 26.0%€56k▲ 1.2%
Net result€9k▲ 133%€27k▲ 207%€52k▲ 94.1%€36k▼ 30.8%€37k▲ 1.9%
Equity€120k▲ 7.9%€147k▲ 22.4%€199k▲ 35.5%€235k▲ 18.1%€272k▲ 15.6%
Total assets€725k▲ 0.8%€748k▲ 3.1%€686k▼ 8.3%€667k▼ 2.8%€644k▼ 3.5%
Debt€606k▼ 0.5%€601k▼ 0.7%€487k▼ 19.0%€432k▼ 11.3%€372k▼ 13.9%
Working capital€-117k▲ 19.1%€-371k▼ 218%€-301k▲ 18.9%€-247k▲ 17.8%€-193k▲ 21.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €644k
Fixed assets
€483k ▼ 5.7%
Current assets
€161k ▲ 3.9%
Equity and liabilities €644k
Equity
€272k ▲ 15.6%
Debt
€372k ▼ 13.9%
Debt's share of the balance-sheet total falls from 64.8% to 57.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €84k
Cash flow
€66k▲
2024 · €65k
Current ratio
0.45▲
2024 · 0.38
Debt to equity
1.37▼
2024 · 1.84
ROE
13.5%▼
2024 · 15.3%
ROA
5.7%▲
2024 · 5.4%
Interest coverage
61.84▲
2024 · 46.94
Debt ≤ 1 year
€354k▼
2024 · €402k
Debt > 1 year
€18k▼
2024 · €30k
Income taxes
€17k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29k | €29k | €29k | €29k | €29k | = |
| Other operating charges640/8 | - | €7k | €8k | €10k | €9k | ▼ 1.7% |
| Gross operating margin9900 | €68k | €86k | €112k | €94k | €94k | ▲ 0.5% |
| Operating profit (loss)9901 | €32k | €50k | €74k | €55k | €56k | ▲ 1.2% |
| Financial charges65/66B | - | €23k | €7k | €2k | €1k | ▼ 23.5% |
| Recurring financial charges65 | €23k | €23k | €7k | €2k | €1k | ▼ 23.5% |
| Profit (loss) for the period before taxes9903 | €9k | €27k | €67k | €53k | €54k | ▲ 2.0% |
| Income taxes67/77 | - | - | €15k | €17k | €17k | ▲ 2.2% |
| Profit (loss) for the period9904 | €9k | €27k | €52k | €36k | €37k | ▲ 1.9% |
| Profit (loss) for the period to be appropriated9905 | €9k | €27k | €52k | €36k | €37k | ▲ 1.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €725k | €748k | €686k | €667k | €644k | ▼ 3.5% |
| Fixed assets21/28 | €601k | €571k | €542k | €512k | €483k | ▼ 5.7% |
| Tangible fixed assets22/27 | €601k | €571k | €542k | €512k | €483k | ▼ 5.7% |
| Land and buildings22 | - | €571k | €542k | €512k | €483k | ▼ 5.7% |
| Current assets29/58 | €125k | €177k | €144k | €155k | €161k | ▲ 3.9% |
| Amounts receivable within one year40/41 | €11k | €29k | €2k | €352 | €1k | ▲ 197% |
| Trade receivables40 | - | €18k | - | - | - | - |
| Other amounts receivable41 | - | €11k | €2k | €352 | €1k | ▲ 197% |
| Cash at bank and in hand54/58 | €114k | €148k | €143k | €154k | €159k | ▲ 3.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €725k | €748k | €686k | €667k | €644k | ▼ 3.5% |
| Equity10/15 | €120k | €147k | €199k | €235k | €272k | ▲ 15.6% |
| Contributions10/11 | €150k | €150k | €150k | €150k | €150k | = |
| Capital10 | - | €150k | - | - | - | - |
| Issued capital100 | - | €150k | - | - | - | - |
| Reserves13 | €15k | €15k | €15k | €51k | €87k | ▲ 72.3% |
| Non-distributable reserves130/1 | - | €15k | €15k | €15k | €15k | = |
| Legal reserve130 | - | €15k | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €15k | €15k | €15k | = |
| Distributable reserves133 | - | - | - | €36k | €72k | ▲ 103% |
| Profit (loss) carried forward14 | €-45k | €-18k | €34k | €34k | €35k | ▲ 0.8% |
| Amounts payable17/49 | €606k | €601k | €487k | €432k | €372k | ▼ 13.9% |
| Amounts payable after more than one year17 | €364k | €53k | €42k | €30k | €18k | ▼ 40.3% |
| Financial debts170/4 | - | €53k | €42k | €30k | €18k | ▼ 40.3% |
| Amounts payable within one year42/48 | €242k | €548k | €445k | €402k | €354k | ▼ 11.9% |
| Current portion of amounts payable after more than one year42 | - | €311k | €11k | €12k | €12k | ▲ 3.7% |
| Trade debts44 | - | - | - | €64 | - | - |
| Suppliers440/4 | - | - | - | €64 | - | - |
| Taxes, remuneration and social security45 | - | €9k | €360 | €4k | €4k | ▼ 10.1% |
| Taxes450/3 | - | €9k | €360 | €4k | €4k | ▼ 10.1% |
| Other amounts payable47/48 | - | €228k | €434k | €386k | €338k | ▼ 12.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €27k | €52k | €36k | €37k | ▲ 1.9% |
| + Depreciation and write-downs630 | €29k | €29k | €29k | €29k | €29k | = |
| Operating cash flow (approximation) | €38k | €56k | €81k | €65k | €66k | ▲ 1.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €34k | €-5k | €11k | €5k | ▼ 53.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
24-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €200kEq €235k ▲18.1%
6 profitable years in a row build equity to €235k.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €52k ▲94.1%
Operating result €74k, net result €52k, both a record.
30-06
Financial
Equity above €150kEq €199k ▲35.5%
5 profitable years in a row build equity to €199k.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €4k ▼75.9%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
20-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Meise · 1 establishment unit since 2010
Ground area
503 m²
Building footprint
135 m²
Volume, LiDAR
592 m³
Parcel 23093B0418/00M000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Westrodestraat 66, 1861 Meise
since 20102.187.310.408
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23093B0418/00M000 | Flanders | 503 m² | 1 · 135 m² | 6.3 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 3,761 companies in sector 68321 we hold annual accounts for 1,391. 987 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-02-2010
Fiscal year end30-06
Activities, NACEBEL 2025
68321Property management for co-owned buildings (syndics)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Scores and ratios are computed by Checked and are not a credit decision.