VAM SOLUTIONS
ActiveSummary
VAM SOLUTIONS has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €161k. Its solvency ranks better than 56% of 788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes
Profitability100
Solvency81
Growth-
Track record67
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity ample (current ratio 3.17; short-term debt: 30.6% and cash: 64% of total assets), and 44.3% of the assets are financed with debt.
Credit check 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 · 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
55.7%
Return on assets
60.2%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Employment activities (NACE 78)
about 17% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 1 filingDeviation from the deadline
2025
20 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€148k
Total assets
€267k
Net result
€161k
Working capital
€177k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €267k
Fixed assets
€8k
Current assets
€259k
Equity and liabilities €267k
Equity
€148k
Debt
€118k
Debt finances 44.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€205k
Cash flow
€161k
Current ratio
3.17
Debt to equity
0.80
ROE
108.1%
ROA
60.2%
Interest coverage
716.74
Debt ≤ 1 year
€82k
Income taxes
€44k
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet
Code2025
Assets
Total assets20/58€267k
Fixed assets21/28€8k
Tangible fixed assets22/27€8k
Furniture and vehicles24€8k
Current assets29/58€259k
Amounts receivable within one year40/41€87k
Trade receivables40€76k
Other amounts receivable41€11k
Cash at bank and in hand54/58€171k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€267k
Equity10/15€148k
Contributions10/11€3k
Reserves13€146k
Distributable reserves133€146k
Amounts payable17/49€118k
Amounts payable within one year42/48€82k
Financial debts43€814
Credit institutions430/8€814
Trade debts44€406
Suppliers440/4€406
Taxes, remuneration and social security45€80k
Taxes450/3€80k
Accrued charges and deferred income492/3€36k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€264
Other operating charges640/8€614
Gross operating margin9900€206k
Operating profit (loss)9901€205k
Financial income75/76B€185
Recurring financial income75€185
Financial charges65/66B€286
Recurring financial charges65€286
Profit (loss) for the period before taxes9903€205k
Income taxes67/77€44k
Profit (loss) for the period9904€161k
Profit (loss) for the period to be appropriated9905€161k
Appropriation of the result
Profit (loss) to be appropriated9906€161k
Transfer to equity691/2€161k
To other reserves6921€161k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €264 |
| Other operating charges640/8 | €614 |
| Gross operating margin9900 | €206k |
| Operating profit (loss)9901 | €205k |
| Financial income75/76B | €185 |
| Recurring financial income75 | €185 |
| Financial charges65/66B | €286 |
| Recurring financial charges65 | €286 |
| Profit (loss) for the period before taxes9903 | €205k |
| Income taxes67/77 | €44k |
| Profit (loss) for the period9904 | €161k |
| Profit (loss) for the period to be appropriated9905 | €161k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €267k | |
| Fixed assets21/28 | €8k | |
| Tangible fixed assets22/27 | €8k | |
| Furniture and vehicles24 | €8k | |
| Current assets29/58 | €259k | |
| Amounts receivable within one year40/41 | €87k | |
| Trade receivables40 | €76k | |
| Other amounts receivable41 | €11k | |
| Cash at bank and in hand54/58 | €171k | |
| Deferred charges and accrued income490/1 | €1k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €267k | |
| Equity10/15 | €148k | |
| Contributions10/11 | €3k | |
| Reserves13 | €146k | |
| Distributable reserves133 | €146k | |
| Amounts payable17/49 | €118k | |
| Amounts payable within one year42/48 | €82k | |
| Financial debts43 | €814 | |
| Credit institutions430/8 | €814 | |
| Trade debts44 | €406 | |
| Suppliers440/4 | €406 | |
| Taxes, remuneration and social security45 | €80k | |
| Taxes450/3 | €80k | |
| Accrued charges and deferred income492/3 | €36k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €161k |
| + Depreciation and write-downs630 | €264 |
| Operating cash flow (approximation) | €161k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
NBB filing
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, Kapellen
Ground area
4,125 m²
Building footprint
186 m²
Volume, LiDAR
1,221 m³
Parcel 11902H0095/00F002, Flanders · tallest building 12.4 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902H0095/00F002 | Flanders | 4,125 m² | 1 · 186 m² | 12.4 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
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,363. 1,091 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
Founded17-02-2025
Fiscal year end31-12
Activities, NACEBEL 2025
78100Employment placement agencies
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.