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V.V.L.

Active
Private limited companyfounded 20215 yrs activeTervuursesteenweg 14, 3060 Bertem, BelgiumKBO/BCE: BE 0765.858.748
Summary

The computed 12-month bankruptcy probability of V.V.L. is 2.3% (moderate). The 2025 annual accounts show equity of €2,022 and a net result of -€334. Equity is shrinking by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 1538 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability55▼-10
Solvency89▲+32
Growth32=
Track record94
Bankruptcy probability, 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← 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 2025
Age of the figures
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-07-2026, 27 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
27 d early
2024
29 d early
2023
28 d early
2022
11 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 24 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 4 July (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 30 March 2021, V.V.L. was incorporated as a Private limited company.1 Total assets went from EUR 14,666 in 2022 to EUR 3,141 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€2,022▼ 14.2%
2024 · €2,356
Total assets
€3,141▼ 56.7%
2024 · €7,251
Net result
-€334▼ 49.8%
2024 · -€223
Working capital
-€607▲ 67.9%
2024 · -€1,894
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result€5,341--€727-€178▲ 75.5%-€274▼ 54.0%
Net result€3,248within the sector's middle half--€769within the sector's middle half-€223within the sector's middle half▲ 71.0%-€334within the sector's middle half▼ 49.8%
Equity€3,448below the sector's middle half-€2,579below the sector's middle half▼ 25.2%€2,356below the sector's middle half▼ 8.6%€2,022below the sector's middle half▼ 14.2%
Total assets€14,666below the sector's middle half-€2,824below the sector's middle half▼ 80.7%€7,251below the sector's middle half▲ 157%€3,141below the sector's middle half▼ 56.7%
Debt€11,218-€245▼ 97.8%€4,895▲ 1,900%€1,119▼ 77.1%
Working capital€3,448within the sector's middle half-€1,447within the sector's middle half▼ 58.0%-€1,894within the sector's middle half-€607within the sector's middle half▲ 67.9%
Solvency23.5%within the sector's middle half-32.5%within the sector's middle half
Current ratio1.31within the sector's middle half-0.61within the sector's middle half
Return on assets (ROA)22.1%above the sector's middle half--3.1%within the sector's middle half
above within below the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€2,000€0€2,000€4,000€6,000Operating result 2022: €5,341€5,341Net result 2022: €3,248€3,248Operating result 2023: -€727-€727Net result 2023: -€769-€769Operating result 2024: -€178-€178Net result 2024: -€223-€223Operating result 2025: -€274-€274Net result 2025: -€334-€3342022202320242025-€800-€600-€400-€200€0Operating result 2023: -€727-€727Net result 2023: -€769-€769Operating result 2024: -€178-€178Net result 2024: -€223-€223Operating result 2025: -€274-€274Net result 2025: -€334-€334202320242025
The operating result stays negative: a loss of €274 in 2025 against €178 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2,463
Fixed assets €1,951 ▼ 41.7%
Current assets €512 ▼ 82.9%
Equity and liabilities €3,141
Equity €2,022 ▼ 14.2%
Debt €1,119 ▼ 77.1%
Debt's share of the balance-sheet total falls from 67.5% to 35.6%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€1,347▼
2024 · €1,385
Cash flow
€1,287▼
2024 · €1,340
Interest coverage
22.44▼
2024 · 30.79
Debt ≤ 1 year
€1,119▼
2024 · €4,895
Ratios withheld: a balance sheet total of €3,141 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
3.0% went bankrupt
9.5% stopped otherwise
87% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,592 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 27 lines
Balance sheet Code20242025
Assets
Total assets20/58€7,251€3,141▼
Formation expenses20€905€678▼
Fixed assets21/28€3,345€1,951▼
Tangible fixed assets22/27€3,345€1,951▼
Furniture and vehicles24€3,345€1,951▼
Current assets29/58€3,001€512▼
Amounts receivable within one year40/41€1,299€255▼
Trade receivables40€151€255▲
Other amounts receivable41€1,148€0▼
Cash at bank and in hand54/58€1,701€257▼
Equity and liabilities
Total equity and liabilities10/49€7,251€3,141▼
Equity10/15€2,356€2,022▼
Contributions10/11€100€100=
Profit (loss) carried forward14€2,256€1,922▼
Amounts payable17/49€4,895€1,119▼
Amounts payable within one year42/48€4,895€1,119▼
Other amounts payable47/48€4,895€1,119▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,563€1,621▲
Gross operating margin9900€1,385€1,347▼
Operating profit (loss)9901-€178-€274▼
Financial charges65/66B€45€60▲
Recurring financial charges65€45€60▲
Profit (loss) for the period before taxes9903-€223-€334▼
Profit (loss) for the period9904-€223-€334▼
Profit (loss) for the period to be appropriated9905-€223-€334▼
Appropriation of the result
Profit (loss) to be appropriated9906€2,256€1,922▼
Profit (loss) brought forward from the previous period14P€2,479€2,256▼

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Remuneration, social security and pensions62€348€0---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2€1,563€1,621▲ 3.7%
Gross operating margin9900€5,688-€725€1,385€1,347▼ 2.8%
Operating profit (loss)9901€5,341-€727-€178-€274▼ 54.0%
Financial charges65/66B€12€42€45€60▲ 33.3%
Recurring financial charges65€12€42€45€60▲ 33.3%
Profit (loss) for the period before taxes9903€5,328-€769-€223-€334▼ 49.8%
Income taxes67/77€2,080€0---
Profit (loss) for the period9904€3,248-€769-€223-€334▼ 49.8%
Profit (loss) for the period to be appropriated9905€3,248-€769-€223-€334▼ 49.8%
Line2022202320242025Change
Assets
Total assets20/58€14,666€2,824€7,251€3,141▼ 56.7%
Formation expenses20-€1,132€905€678▼ 25.1%
Fixed assets21/28--€3,345€1,951▼ 41.7%
Tangible fixed assets22/27--€3,345€1,951▼ 41.7%
Furniture and vehicles24--€3,345€1,951▼ 41.7%
Current assets29/58€14,666€1,691€3,001€512▼ 82.9%
Amounts receivable within one year40/41€11,940€550€1,299€255▼ 80.4%
Trade receivables40€6,940€384€151€255▲ 69.0%
Other amounts receivable41€5,000€165€1,148€0▼ 100%
Cash at bank and in hand54/58€2,726€1,142€1,701€257▼ 84.9%
Equity and liabilities
Total equity and liabilities10/49€14,666€2,824€7,251€3,141▼ 56.7%
Equity10/15€3,448€2,579€2,356€2,022▼ 14.2%
Contributions10/11€200€100€100€100=
Profit (loss) carried forward14€3,248€2,479€2,256€1,922▼ 14.8%
Amounts payable17/49€11,218€245€4,895€1,119▼ 77.1%
Amounts payable within one year42/48€11,218€245€4,895€1,119▼ 77.1%
Trade debts44€50€0---
Suppliers440/4€50€0---
Taxes, remuneration and social security45€7,327€0---
Taxes450/3€7,327€0---
Other amounts payable47/48€3,841€245€4,895€1,119▼ 77.1%
Line2022202320242025Change
Profit (loss) for the period9904€3,248-€769-€223-€334▼ 49.8%
+ Depreciation and write-downs630-€2€1,563€1,621▲ 3.7%
Operating cash flow (approximation)€3,248-€767€1,340€1,287▼ 4.0%
Investment in fixed assets (approximation)----€227-
Change in cash--€1,584€560-€1,445▼ 358%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
04-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet -€769
Net result drops to -€769, the lowest in the series; recovery starts the following year.
31-12
Financial Liquidity times 5current ratio 6.91
Current ratio from 1.31 to 6.91; short-term debt falls from €11,218 to €245.
20-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Bertem · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
1,425 m²
Building footprint
139 m²
Volume, LiDAR
771 m³
Parcel 24009A0493/00R002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
Tervuursesteenweg 14, 3060 Bertem
Renting and leasing of cars and light motor vehicles
since 20212.315.677.238
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24009A0493/00R002 Flanders 1,425 m² 1 · 139 m² 8.1 m · 2 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.

Similar companies · same sector, comparable size

Of 1,446 companies in sector 77110 we hold annual accounts for 729. 157 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
Founded30-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
77110Renting and leasing of cars and light motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID 0208:0765858748
Registered 11-01-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.