VAG-Expert
ActiveVAG-Expert has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €6k. Its solvency ranks better than 47% of 2531 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability84
Solvency60
Growth-
Track record67
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.54; short-term debt: 64.7% and cash: 94.1% of total assets), but 64.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
18 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€11k
Total assets
€30k
Net result
€6k
Working capital
€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €30k
Equity
€11k
Debt
€19k
Debt finances 64.7% of the balance-sheet total.
Key figures and ratios
Solvency
35.3%
Current ratio
1.54
Quick ratio
1.54
Debt / equity
1.84
ROE
52.5%
ROA
18.5%
Debt
€19k
Debt ≤ 1 year
€19k
Income taxes
€2k
Staff costs
€10k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€30k
Current assets29/58€30k
Amounts receivable within one year40/41€2k
Trade receivables40€2k
Cash at bank and in hand54/58€28k
Equity and liabilities
Total equity and liabilities10/49€30k
Equity10/15€11k
Contributions10/11€5k
Profit (loss) carried forward14€6k
Amounts payable17/49€19k
Amounts payable within one year42/48€19k
Trade debts44€9k
Suppliers440/4€9k
Taxes, remuneration and social security45€10k
Taxes450/3€7k
Remuneration and social security454/9€3k
Other amounts payable47/48€235
Income statement
Code2025
Remuneration, social security and pensions62€10k
Gross operating margin9900€17k
Operating profit (loss)9901€8k
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€180
Recurring financial charges65€180
Profit (loss) for the period before taxes9903€7k
Income taxes67/77€2k
Profit (loss) for the period9904€6k
Profit (loss) for the period to be appropriated9905€6k
Appropriation of the result
Profit (loss) to be appropriated9906€6k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Haacht · 1 establishment unit since 2025
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.
De Costerstraat(WSP) 453150 HaachtGround area
1.2 ha
Building footprint
333 m²
Volume, LiDAR
2,708 m³
Parcel 24122B0155/00T002, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VAG-Expert
since 20252.376.355.488
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24122B0155/00T002 | Flanders | 1.2 ha | 1 · 333 m² | 10.9 m · 3 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.
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Of 7,376 companies in sector 95311 we hold annual accounts for 2,958. 1,233 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2025
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.