VAMA
ActiveThe computed 12-month bankruptcy probability of VAMA is 4.2% (elevated). The 2025 annual accounts show equity of €7k and a net result of €2k. Its solvency ranks better than 30% of 13090 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-6
Solvency31▼-1
Growth52
Track record82
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.47 against 0.37 in 2024; short-term debt: 51.5% and cash: 17.8% of total assets), and 93.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
1 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▲ 40.5%
2024 · €5k
2024: €5k
2024 → 2025
Total assets
€116k▲ 54.3%
2024 · €75k
2024: €75k
2024 → 2025
Net result
€2k▼ 58.8%
2024 · €5k
2024: €5k
2024 → 2025
Working capital
€-32k▼ 44.0%
2024 · €-22k
2024: €-22k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€5k-€7k▲ 40.5%
Operating result€8k-€5k▼ 30.0%
Net result€5k-€2k▼ 58.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€88k▲ 41.0%
Current assets
€28k▲ 118%
Equity and liabilities €116k
Equity
€7k▲ 40.5%
Debt
€109k▲ 55.4%
The debt ratio rises from 93.0% to 93.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▲
2024 · €13k
Cash flow
€18k▲
2024 · €11k
Solvency
6.4%▼
2024 · 7.0%
Current ratio
0.47▲
2024 · 0.37
Quick ratio
0.39▲
2024 · 0.32
Debt / equity
14.64▲
2024 · 13.23
ROE
28.8%▼
2024 · 98.1%
ROA
1.8%▼
2024 · 6.9%
Interest coverage
9.78▼
2024 · 31.38
Debt
€109k▲
2024 · €70k
Debt ≤ 1 year
€60k▲
2024 · €35k
Debt > 1 year
€49k▲
2024 · €35k
Income taxes
€981▼
2024 · €2k
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€75k€116k▲
Fixed assets21/28€62k€88k▲
Intangible fixed assets21€26k€19k▼
Tangible fixed assets22/27€36k€68k▲
Plant, machinery and equipment23€35k€31k▼
Furniture and vehicles24€1k€762▼
Leasing and similar rights25-€37k
Financial fixed assets28-€500
Current assets29/58€13k€28k▲
Stocks and contracts in progress3€2k€5k▲
Stocks30/36€2k€5k▲
Amounts receivable within one year40/41€795€2k▲
Other amounts receivable41€795€2k▲
Cash at bank and in hand54/58€10k€21k▲
Deferred charges and accrued income490/1-€719
Equity and liabilities
Total equity and liabilities10/49€75k€116k▲
Equity10/15€5k€7k▲
Contributions10/11€100€100=
Profit (loss) carried forward14€5k€7k▲
Amounts payable17/49€70k€109k▲
Amounts payable after more than one year17€35k€49k▲
Financial debts170/4€35k€49k▲
Amounts payable within one year42/48€35k€60k▲
Current portion of amounts payable after more than one year42€17k€28k▲
Trade debts44€12k€25k▲
Suppliers440/4€12k€25k▲
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€4k€582▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€16k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€16k€26k▲
Operating profit (loss)9901€8k€5k▼
Financial charges65/66B€422€2k▲
Recurring financial charges65€422€2k▲
Profit (loss) for the period before taxes9903€7k€3k▼
Income taxes67/77€2k€981▼
Profit (loss) for the period9904€5k€2k▼
Profit (loss) for the period to be appropriated9905€5k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€7k▲
Profit (loss) brought forward from the previous period14P-€5k
The notes to these accounts (14 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2024
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.
Priesteragiestraat(VER) 29130 Beveren-Kruibeke-ZwijndrechtGround area
1.4 ha
Building footprint
479 m²
Volume, LiDAR
2,996 m³
2 parcels, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAMA
since 20242.362.102.923
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44045H1086/00K000 | Flanders | 1.4 ha | 1 · 370 m² | 11.3 m · 2 fl. |
| 46027C0811/00M002 | Flanders | 589 m² | 1 · 108 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLokeren2.362.102.923
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Of 21,904 companies in sector 56112 we hold annual accounts for 9,779. 6,187 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2024
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
45194
46713Wholesale trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress 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.