VAMAM
ActiveVAMAM has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €3k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+35
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 36.69 against 31.71 in 2024; short-term debt: 2.7% and cash: 0.2% of total assets), and 2.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
97.3%
Return on assets
2.7%
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 30-08-2026, 30 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
30 d late
2024
36 d early
2023
51 d late
2022
46 d late
2021
62 d late
2020
82 d late
2019
71 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▲ 2.8%
2024 · €92k
2018: €28k
2019: €42k
2020: €62k
2021: €80k
2022: €99k
2023: €103k
2024: €92k
2018 → 2025
Total assets
€97k▲ 2.4%
2024 · €95k
2018: €41k
2019: €56k
2020: €74k
2021: €94k
2022: €124k
2023: €126k
2024: €95k
2018 → 2025
Net result
€3k
2024 · €-11k
2018: €16k
2019: €15k
2020: €20k
2021: €18k
2022: €19k
2023: €4k
2024: €-11k
2018 → 2025
Working capital
€95k▲ 2.8%
2024 · €92k
2018: €23k
2019: €37k
2020: €55k
2021: €72k
2022: €91k
2023: €95k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€99k▲ 23.2%€103k▲ 4.0%€92k▼ 10.5%€95k▲ 2.8%
Operating result€23k-€24k▲ 4.2%€4k▼ 82.9%€8k▲ 98.9%€-2k
Net result€18k-€19k▲ 3.9%€4k▼ 78.7%€-11k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €8k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €97k
Equity
€95k▲ 2.8%
Debt
€3k▼ 11.5%
The debt ratio falls from 3.2% to 2.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
97.3%▲
2024 · 96.8%
Current ratio
36.69▲
2024 · 31.71
Quick ratio
36.69▲
2024 · 31.71
Debt / equity
0.03▼
2024 · 0.03
ROE
2.7%▲
2024 · -11.7%
ROA
2.7%▲
2024 · -11.4%
Debt
€3k▼
2024 · €3k
Debt ≤ 1 year
€3k▼
2024 · €3k
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€95k€97k▲
Formation expenses20-€0
Current assets29/58€95k€97k▲
Amounts receivable within one year40/41€95k€97k▲
Trade receivables40€1k€1k=
Other amounts receivable41€94k€96k▲
Cash at bank and in hand54/58€147€242▲
Equity and liabilities
Total equity and liabilities10/49€95k€97k▲
Equity10/15€92k€95k▲
Contributions10/11€6k€6k=
Capital10€6k-
Issued capital100€19k-
Uncalled capital101€12k-
Reserves13€32k€32k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€54k€57k▲
Amounts payable17/49€3k€3k▼
Amounts payable within one year42/48€3k€3k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€116-
Taxes450/3€116-
Income statement
Code20242025
Non-recurring operating income76A€83-
Remuneration, social security and pensions62€4k-
Other operating charges640/8€2k€155▼
Non-recurring operating charges66A€532-
Gross operating margin9900€14k€-2k▼
Operating profit (loss)9901€8k€-2k▼
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€25k€59▼
Recurring financial charges65€6k€59▼
Non-recurring financial charges66B€19k-
Profit (loss) for the period before taxes9903€-11k€3k▲
Income taxes67/77€116-
Profit (loss) for the period9904€-11k€3k▲
Profit (loss) for the period to be appropriated9905€-11k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€57k▲
Profit (loss) brought forward from the previous period14P€65k€54k▼
The notes to these accounts (5 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-11k ▼373%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 31.71
Current ratio from 5.28 to 31.71; short-term debt falls from €22k to €3k.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
31-12
Financial
Equity above €100kEq €103k ▲4%
6 profitable years in a row build equity to €103k.
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
2022
01-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 62 days late
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Highest result since 2018net €20k ▲36.5%
Net result €20k, the highest in the series.
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 71 days late
2019
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 51 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tubize · 1 establishment unit since 2004
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.
Rue Balland 361480 TubizeGround area
944 m²
Building footprint
609 m²
Volume, LiDAR
5,172 m³
2 parcels, Brussels, Wallonia · tallest building 19.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRONTI
since 20042.144.166.984
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0986/00F000 | Brussels | 567 m² | 1 · 568 m² | 19.7 m · 2 fl. |
| 25105B0104/00K002 | Wallonia | 377 m² | 1 · 41 m² | 9.3 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.
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CAGIC
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Schoenen VEGRID
BE 0805.331.810
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TAPIA
BE 0470.401.005
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Doremi Colembie
BE 0746.406.486
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Of 1,035 companies in sector 47721 we hold annual accounts for 583. 456 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2004
Fiscal year end31-12
Activities, NACEBEL
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.