VAMA
ActiveVAMA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €290k and a net result of €252. Equity remains stable across the filed fiscal years (±0.6% per year). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
short-term debt: 0.1% and cash: 7.1% of total assets, and 0.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
99.9%
Return on assets
0.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
31 d late
2022
32 d late
2021
29 d late
2020
31 d late
2019
85 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, abbreviated schema
Equity
€290k▲ 0.1%
2024 · €290k
2018: €280k
2019: €281k
2020: €281k
2021: €282k
2022: €285k
2023: €288k
2024: €290k
2018 → 2025
Total assets
€291k▲ 0.1%
2024 · €290k
2018: €293k
2019: €281k
2020: €282k
2021: €282k
2022: €286k
2023: €288k
2024: €290k
2018 → 2025
Net result
€252▼ 88.7%
2024 · €2k
2018: €200
2019: €119
2020: €912
2021: €168
2022: €4k
2023: €3k
2024: €2k
2018 → 2025
Working capital
€198k▲ 6.0%
2024 · €187k
2018: €116k
2019: €122k
2020: €134k
2021: €145k
2022: €160k
2024: €187k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€282k-€285k▲ 1.2%€288k▲ 1.0%€290k▲ 0.8%€290k▲ 0.1%
Operating result€-6k-€-5k▲ 0.3%€-5k▲ 15.2%€-6k▼ 37.0%€-8k▼ 20.3%
Net result€168-€4k▲ 1,991%€3k▼ 17.5%€2k▼ 22.8%€252▼ 88.7%
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 stays negative: a loss of €8k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€92k▼ 10.7%
Current assets
€198k▲ 6.0%
Equity and liabilities €291k
Equity
€290k▲ 0.1%
Debt
€188▲ 1.1%
The debt ratio stays at 0.1%.
Key figures and ratios
EBITDA
€3k▼
2024 · €5k
Cash flow
€11k▼
2024 · €13k
Solvency
99.9%=
2024 · 99.9%
Debt / equity
0.00▲
2024 · 0.00
ROE
0.1%▼
2024 · 0.8%
ROA
0.1%▼
2024 · 0.8%
Interest coverage
74.22▼
2024 · 103.04
Debt
€188▲
2024 · €186
Debt ≤ 1 year
€188▲
2024 · €186
A ratio outside any meaningful range has been withheld (balance sheet total €291k, equity €290k).
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€290k€291k▲
Fixed assets21/28€103k€92k▼
Tangible fixed assets22/27€103k€92k▼
Land and buildings22€103k€92k▼
Current assets29/58€187k€198k▲
Amounts receivable within one year40/41€166k€178k▲
Other amounts receivable41€166k€178k▲
Cash at bank and in hand54/58€21k€21k▼
Equity and liabilities
Total equity and liabilities10/49€290k€291k▲
Equity10/15€290k€290k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€222k€222k▲
Amounts payable17/49€186€188▲
Amounts payable within one year42/48€186€188▲
Trade debts44€186€188▲
Suppliers440/4€186€188▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€6k€5k▼
Operating profit (loss)9901€-6k€-8k▼
Financial income75/76B€9k€8k▼
Recurring financial income75€9k€8k▼
Financial charges65/66B€45€45=
Recurring financial charges65€45€45=
Profit (loss) for the period before taxes9903€2k€252▼
Profit (loss) for the period9904€2k€252▼
Profit (loss) for the period to be appropriated9905€2k€252▼
Appropriation of the result
Profit (loss) to be appropriated9906€222k€222k▲
Profit (loss) brought forward from the previous period14P€220k€222k▲
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €4k ▲1991%
Net result €4k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 1319.47
Current ratio from 638.31 to 1319.47; short-term debt falls from €210 to €110.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 85 days late
2019
31-12
Financial
Weakest financial yearnet €119 ▼40.4%
Net result drops to €119, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 34current ratio 555.06
Current ratio from 16.35 to 555.06; short-term debt falls from €8k to €220.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Damme · 1 establishment unit since 1994
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.
Kanthage 188340 DammeGround area
961 m²
Building footprint
203 m²
Volume, LiDAR
872 m³
Parcel 31026C1117/00Y004, Flanders · tallest building 14.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VAMA NV
since 19942.067.338.630
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31026C1117/00Y004 | Flanders | 961 m² | 1 · 203 m² | 14.3 m · 1 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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-03-1994
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.