V&T TRADING
ActiveV&T TRADING has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €13k and a net result of €3k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▲+72
Solvency96▲+23
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.4 against 1.92 in 2023; short-term debt: 29.4% and cash: 0.7% of total assets), and 29.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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 2024Solvency, return and age of the figures
Solvency
70.6%
Return on assets
13.9%
Age of the figures
21 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
1 d early
2022
21 d late
2021
21 d late
2020
4 d early
2019
28 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€13k▲ 24.5%
2023 · €10k
2018: €3k
2019: €5k
2020: €15k
2021: €14k
2022: €15k
2023: €10k
2018 → 2024
Total assets
€18k▼ 15.7%
2023 · €22k
2018: €12k
2019: €16k
2020: €50k
2021: €23k
2022: €22k
2023: €22k
2018 → 2024
Net result
€3k
2023 · €-4k
2018: €646
2019: €2k
2020: €35k
2021: €-383
2022: €73
2023: €-4k
2018 → 2024
Working capital
€13k▲ 24.5%
2023 · €10k
2018: €2k
2019: €3k
2020: €12k
2021: €13k
2022: €14k
2023: €10k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€15k-€14k▼ 2.6%€15k▲ 0.5%€10k▼ 28.7%€13k▲ 24.5%
Operating result€35k-€255▼ 99.3%€179▼ 29.8%€-4k€3k
Net result€35k-€-383€73€-4k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €3k after a loss of €4k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €18k
Equity
€13k▲ 24.5%
Debt
€5k▼ 52.5%
The debt ratio falls from 52.2% to 29.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
70.6%▲
2023 · 47.8%
Current ratio
3.40▲
2023 · 1.92
Quick ratio
3.40▲
2023 · 1.92
Debt / equity
0.42▼
2023 · 1.09
ROE
19.7%▲
2023 · -40.2%
ROA
13.9%▲
2023 · -19.2%
Debt
€5k▼
2023 · €11k
Debt ≤ 1 year
€5k▼
2023 · €11k
Income taxes
€632
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€22k€18k▼
Current assets29/58€22k€18k▼
Amounts receivable within one year40/41€19k€18k▼
Trade receivables40€7k€3k▼
Other amounts receivable41€13k€15k▲
Cash at bank and in hand54/58€2k€137▼
Equity and liabilities
Total equity and liabilities10/49€22k€18k▼
Equity10/15€10k€13k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€8k€10k▲
Amounts payable17/49€11k€5k▼
Amounts payable within one year42/48€11k€5k▼
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€4k€632▼
Taxes450/3€4k€632▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€466-
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-5k-
Other operating charges640/8€23k€1k▼
Gross operating margin9900€14k€4k▼
Operating profit (loss)9901€-4k€3k▲
Financial charges65/66B€448-
Recurring financial charges65€448-
Profit (loss) for the period before taxes9903€-4k€3k▲
Income taxes67/77-€632
Profit (loss) for the period9904€-4k€3k▲
Profit (loss) for the period to be appropriated9905€-4k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€10k▲
Profit (loss) brought forward from the previous period14P€12k€8k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-4k ▼5821%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Back to profitnet €73
Net result €73 after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €35k ▲1426%
Operating result €35k, net result €35k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 62 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2016
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
19-08-2016
MAES, Tim: Resigned as Manager
19-08-2016
Vincent Janssens: Resigned as Manager
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2014
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.
Emiel Banningstraat 47/52000 AntwerpenGround area
1,116 m²
Building footprint
551 m²
Volume, LiDAR
5,755 m³
2 parcels, Flanders · tallest building 20.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
V&T TRADING
since 20142.301.888.192
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3747/00G002 | Flanders | 1,021 m² | 1 · 499 m² | 20.2 m · 4 fl. |
| 11804D1310/00F000 | Flanders | 95 m² | 1 · 52 m² | 10.7 m · 3 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.
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BE 0568.497.895
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CERAMIC-DECOR
BE 0428.979.629
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AMBIANCE CARRELAGE
BE 0769.675.303
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Carrelages Fransolet 2.0
BE 0787.876.164
Vielsalm · Eq €10k
Of 176 companies in sector 47523 we hold annual accounts for 142. 74 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2014
Fiscal year end31-12
Activities, NACEBEL
47523Retail trade
47529Retail trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.