V&V TRADING
ActiveV&V TRADING has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €5k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 54% of 11282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-6
Solvency72▼-13
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.29 against 6.04 in 2024; short-term debt: 23.2% and cash: 2% of total assets), but 52.8% 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.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
47.2%
Return on assets
2.1%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
21 d early
2023
33 d early
2022
39 d early
2021
29 d late
2020
27 d late
2019
89 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 4.7%
2024 · €102k
2018: €69k
2019: €66k
2020: €95k
2021: €117k
2022: €106k
2023: €91k
2024: €102k
2018 → 2025
Total assets
€226k▲ 32.3%
2024 · €171k
2018: €222k
2019: €239k
2020: €221k
2021: €254k
2022: €212k
2023: €167k
2024: €171k
2018 → 2025
Net result
€5k▼ 56.6%
2024 · €11k
2018: €8k
2019: €-2k
2020: €28k
2021: €23k
2022: €-11k
2023: €-4k
2024: €11k
2018 → 2025
Working capital
€68k▼ 16.3%
2024 · €81k
2018: €91k
2019: €83k
2020: €83k
2021: €94k
2022: €86k
2023: €71k
2024: €81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€106k▼ 9.3%€91k▼ 14.6%€102k▲ 12.1%€107k▲ 4.7%
Operating result€26k-€-15k€-7k▲ 51.4%€11k€9k▼ 15.4%
Net result€23k-€-11k€-4k▲ 63.6%€11k€5k▼ 56.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €226k
Fixed assets
€105k▲ 43.6%
Current assets
€121k▲ 23.9%
Equity and liabilities €226k
Equity
€107k▲ 4.7%
Debt
€119k▲ 73.3%
The debt ratio rises from 40.3% to 52.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €18k
Cash flow
€15k▼
2024 · €18k
Solvency
47.2%▼
2024 · 59.7%
Current ratio
2.29▼
2024 · 6.04
Quick ratio
2.21▼
2024 · 5.97
Debt / equity
1.12▲
2024 · 0.68
ROE
4.5%▼
2024 · 10.8%
ROA
2.1%▼
2024 · 6.4%
Interest coverage
8.43▼
2024 · 9.44
Debt
€119k▲
2024 · €69k
Debt ≤ 1 year
€53k▲
2024 · €16k
Debt > 1 year
€67k▲
2024 · €53k
Income taxes
€2k▲
2024 · €566
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€171k€226k▲
Fixed assets21/28€73k€105k▲
Tangible fixed assets22/27€73k€105k▲
Land and buildings22€71k€65k▼
Furniture and vehicles24€399€38k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€97k€121k▲
Stocks and contracts in progress3€1k€4k▲
Stocks30/36€1k€4k▲
Amounts receivable within one year40/41€72k€112k▲
Trade receivables40€72k€112k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€24k€5k▼
Equity and liabilities
Total equity and liabilities10/49€171k€226k▲
Equity10/15€102k€107k▲
Contributions10/11€19k€19k=
Reserves13€83k€88k▲
Distributable reserves133€83k€88k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€69k€119k▲
Amounts payable after more than one year17€53k€67k▲
Financial debts170/4€53k€67k▲
Amounts payable within one year42/48€16k€53k▲
Current portion of amounts payable after more than one year42€8k€14k▲
Trade debts44€387€30k▲
Suppliers440/4€387€30k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Remuneration and social security454/9€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€19k€21k▲
Operating profit (loss)9901€11k€9k▼
Financial income75/76B€3k€328▼
Recurring financial income75€3k€328▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€12k€7k▼
Income taxes67/77€566€2k▲
Profit (loss) for the period9904€11k€5k▼
Profit (loss) for the period to be appropriated9905€11k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€5k▲
Profit (loss) brought forward from the previous period14P€-27k€0▲
Transfer from equity791/2€16k€0▼
Transfer to equity691/2-€5k
To other reserves6921-€5k
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €102k ▲12.1%
Equity rises from €91k to €102k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-11k ▼148%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Equity above €100kEq €117k ▲24%
2 profitable years in a row build equity to €117k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 89 days late
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
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.
Directors · office · real estate
Directors
4 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, Pelt · 1 establishment unit since 2008
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.
Sint Martensstraat 233910 PeltGround area
1,871 m²
Building footprint
192 m²
Volume, LiDAR
976 m³
Parcel 72025B1016/00M000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
V&V trading bv
since 20082.170.353.224
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025B1016/00M000 | Flanders | 1,871 m² | 1 · 192 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
UNIMEUBLE - UNIMEUBEL
BE 0401.620.481
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PHILIPPE MENKE
BE 0767.572.678
Anhée · Eq €106k
MEDSKILLS
BE 0775.326.839
Ecaussinnes · Eq €106k
CMA SERVICES
BE 0465.774.006
Beaumont · Eq €107k
COMFORT ZONE BELUX
BE 0812.194.262
Antwerpen · Eq €108k
Of 1,745 companies in sector 46150 we hold annual accounts for 757. 594 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2008
Fiscal year end31-12
Activities, NACEBEL
46150Agents in the wholesale of furniture, household goods and hardware
31003Manufacture of furniture
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475296478