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Complete company report
Generated 01-08-2026
Active BE 1030.892.046Private limited company

V.W.

Larkendreef 44 ·3910 Pelt, Belgium· 0 yrs active
Sector: Financial services (64210)
Conclusion Checked

V.W. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €714 and a net result of €-3k. Its solvency ranks better than 25% of 1207 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €714
Net result €-3k
Better than sector 25%
Active 0 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability0Solvency26Growth50Stability50
25 / 100

Fragile profile, watch health in particular.

Health 0
Profitability 0
Solvency 26
Growth 50
Stability 50
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2025, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview1 NBB filings
Annual accounts filed on 25-02-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 15.4% 47.3%
better than 25% of 1207 sector peers
Net result €-3k €43k
better than 9% of 1206 sector peers
Equity €714 €84k
better than 9% of 1207 sector peers
Gross operating margin €-3k €70k
better than 5% of 1203 sector peers
Total assets €5k €211k
better than 5% of 1207 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Revenuen/a
EBITDAn/a
Net profit€-3k
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€5k
Equity€714
Debt€4k
of which ≤ 1y€4k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency15.4%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-71.1%
ROE-460.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€5k
Current assets 29/58€5k
Amounts receivable within one year 40/41€621
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€5k
Equity 10/15€714
Contributions / capital 10/11€4k
Accumulated profits (losses) 14€-3k
Amounts payable 17/49€4k
Amounts payable within one year 42/48€4k
Income statement
Gross operating margin 9900€-3k
Operating result 9901€-3k
Result before taxes 9903€-3k
Net result for the period 9904€-3k
Result to be appropriated 9905€-3k
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation27-11-2025
StatusActive
Postal code3910
Establishment units 1 location
V.W.
Larkendreef 44, 3910 PeltActiviteiten van holdings
since 20252.384.155.872
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72025A0186/00H031 Flanders 2,275 m² 1 · 372 m² 9.9 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
25-02-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
01-12-2025
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 8 months ago
2025
01-12-2025 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "3910 Pelt, Larkendreef 44",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "HERMSEN Petrus Johannes",
        "niss": null,
        "address": "3910 Pelt, Larkendreef 44"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 4000,
      "holder_person_name": "HERMSEN Petrus Johannes",
      "is_subscriber_only": false,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 4000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 4000,
  "subject_company": {
    "kbo": "1030.892.046",
    "name_full": "V.W.",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2025-11-27",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van holdings64210Activiteiten van hoofdkantoren70100Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL V.W.
Registered office
Larkendreef 44
3910 Pelt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative