VAMAUTO
ActiveVAMAUTO has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €288k and a net result of €28k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 26% of 10206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability49▲+26
Solvency27▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.26 in 2024), and 84% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
16%
Return on assets
1.6%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
17 d early
2023
7 d early
2022
11 d early
2021
44 d early
2020
33 d early
2019
30 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€288k▲ 10.8%
2024 · €260k
2018: €290k
2019: €365k
2020: €375k
2021: €385k
2022: €399k
2023: €392k
2024: €260k
2018 → 2025
Total assets
€1.79M▲ 21.7%
2024 · €1.47M
2018: €649k
2019: €1.28M
2020: €1.34M
2021: €1.06M
2022: €1.88M
2023: €1.71M
2024: €1.47M
2018 → 2025
Net result
€28k▲ 135%
2024 · €12k
2018: €89k
2019: €75k
2020: €10k
2021: €10k
2022: €48k
2023: €14k
2024: €12k
2018 → 2025
Working capital
€303k▲ 10.3%
2024 · €275k
2018: €390k
2019: €507k
2020: €467k
2021: €440k
2022: €472k
2023: €466k
2024: €275k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€385k-€399k▲ 3.6%€392k▼ 1.6%€260k▼ 33.8%€288k▲ 10.8%
Operating result€49k-€121k▲ 145%€89k▼ 26.6%€77k▼ 13.7%€95k▲ 24.0%
Net result€10k-€48k▲ 404%€14k▼ 71.6%€12k▼ 12.6%€28k▲ 135%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.79M
Fixed assets
€120k▼ 3.4%
Current assets
€1.67M▲ 24.0%
Equity and liabilities €1.79M
Equity
€288k▲ 10.8%
Debt
€1.51M▲ 24.0%
The debt ratio rises from 82.4% to 84.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€120k▲
2024 · €95k
Cash flow
€54k▲
2024 · €30k
Solvency
16.0%▼
2024 · 17.6%
Current ratio
1.22▼
2024 · 1.26
Quick ratio
0.26▼
2024 · 0.42
Debt / equity
5.24▲
2024 · 4.68
ROE
9.8%▲
2024 · 4.6%
ROA
1.6%▲
2024 · 0.8%
Interest coverage
2.23▲
2024 · 1.35
Debt
€1.51M▲
2024 · €1.21M
Debt ≤ 1 year
€1.37M▲
2024 · €1.08M
Debt > 1 year
€99k▼
2024 · €106k
Income taxes
€16k▲
2024 · €3k
Staff costs
€13k▼
2024 · €23k
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€1.47M€1.79M▲
Fixed assets21/28€125k€120k▼
Tangible fixed assets22/27€125k€120k▼
Land and buildings22€68k€66k▼
Furniture and vehicles24€32k€39k▲
Leasing and similar rights25€24k€16k▼
Current assets29/58€1.35M€1.67M▲
Stocks and contracts in progress3€900k€1.32M▲
Stocks30/36€900k€1.32M▲
Amounts receivable within one year40/41€136k€257k▲
Trade receivables40€113k€233k▲
Other amounts receivable41€23k€24k▲
Cash at bank and in hand54/58€311k€81k▼
Deferred charges and accrued income490/1€3k€12k▲
Equity and liabilities
Total equity and liabilities10/49€1.47M€1.79M▲
Equity10/15€260k€288k▲
Contributions10/11€19k€19k=
Reserves13€241k€269k▲
Distributable reserves133€241k€269k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.21M€1.51M▲
Amounts payable after more than one year17€106k€99k▼
Financial debts170/4€106k€99k▼
Amounts payable within one year42/48€1.08M€1.37M▲
Current portion of amounts payable after more than one year42€11k€8k▼
Financial debts43€580k€1.05M▲
Credit institutions430/8€0€300k▲
Other loans439€580k€750k▲
Trade debts44€163k€99k▼
Suppliers440/4€163k€99k▼
Advances received on contracts in progress46€5k€4k▼
Taxes, remuneration and social security45€20k€53k▲
Taxes450/3€15k€49k▲
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€297k€157k▼
Accrued charges and deferred income492/3€34k€37k▲
Income statement
Code20242025
Remuneration, social security and pensions62€23k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€25k▲
Other operating charges640/8€5k€6k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€123k€139k▲
Operating profit (loss)9901€77k€95k▲
Financial income75/76B€8k€3k▼
Recurring financial income75€8k€3k▼
Financial charges65/66B€70k€54k▼
Recurring financial charges65€70k€54k▼
Profit (loss) for the period before taxes9903€15k€44k▲
Income taxes67/77€3k€16k▲
Profit (loss) for the period9904€12k€28k▲
Profit (loss) for the period to be appropriated9905€12k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€28k▲
Transfer from equity791/2€145k€0▼
Transfer to equity691/2€12k€28k▲
To other reserves6921€12k€28k▲
Profit to be distributed694/7€145k€0▼
Return on contributions (dividend)694€145k€0▼
Social balance
Average headcount (FTE)90870.50.2▼
The notes to these accounts (17 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €10k ▼1.4%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Ledegem · 1 establishment unit since 1995
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.
Kasteelstraat 228880 LedegemGround area
103 m²
Building footprint
95 m²
Volume, LiDAR
650 m³
Parcel 36018B0346/00P000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAMAUTO BVBA
since 19952.071.113.910
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36018B0346/00P000 | Flanders | 103 m² | 1 · 95 m² | 10.2 m · 2 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.
Similar companies · same sector, comparable size
UNIVERSAL RENT A CAR
BE 0892.861.046
Waterloo · Eq €287k
Advanced Technologies Europe
BE 0441.849.252
Wavre · Eq €282k
DAVITIAN MOTORS
BE 0743.410.968
Menen · Eq €293k
AJ AUTOS
BE 0534.437.930
Sint-Pieters-Leeuw · Eq €280k
BER-CAR
BE 0803.062.010
Gent · Eq €280k
Of 2,120 companies in sector 46711 we hold annual accounts for 1,122. 718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-1995
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50101
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.