VAMICO

Active

Private limited companyfounded 20233 yrs activeKasteelstraat 62, 9470 Denderleeuw, BelgiumKBO/BCE: BE 0805.130.088

The computed 12-month bankruptcy probability of VAMICO is 1.7% (moderate). The 2025 annual accounts show equity of €955k and a net result of €199k. Its solvency ranks better than 36% of 10253 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

53 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability75▼-4

Solvency50=

Growth52

Track record94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €50k at 30 days acceptable

Liquidity short (current ratio 0.9 against 0.76 in 2024; short-term debt: 66.3% and cash: 7% of total assets), and 74.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

25.5%

Return on assets

5.3%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

50 d early

2024

64 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€955k▲ 26.4%

2024 · €756k

2024: €756k

2024 → 2025

Total assets

€3.75M▲ 21.6%

2024 · €3.08M

2024: €3.08M

2024 → 2025

Net result

€199k▼ 22.1%

2024 · €256k

2024: €256k

2024 → 2025

Working capital

€-249k▲ 55.8%

2024 · €-564k

2024: €-564k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€756k-€955k▲ 26.4%

Operating result€372k-€281k▼ 24.3%

Net result€256k-€199k▼ 22.1%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 24% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €3.75M

40.3%

59.7%

Fixed assets €1.51M▲ 14.4%

Current assets €2.24M▲ 27.0%

Equity and liabilities €3.75M

25.5%

74.5%

Equity €955k▲ 26.4%

Debt €2.79M▲ 20.0%

The debt ratio falls from 75.5% to 74.5%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€612k▲

2024 · €605k

Cash flow

€530k▲

2024 · €489k

Solvency

25.5%▲

2024 · 24.5%

Current ratio

0.90▲

2024 · 0.76

Quick ratio

0.46▲

2024 · 0.34

Debt / equity

2.92▼

2024 · 3.08

ROE

20.9%▼

2024 · 33.8%

ROA

5.3%▼

2024 · 8.3%

Interest coverage

20.24▲

2024 · 18.78

Debt

€2.79M▲

2024 · €2.33M

Debt ≤ 1 year

€2.49M▲

2024 · €2.33M

Debt > 1 year

€306k

Income taxes

€56k▼

2024 · €86k

Staff costs

€2.95M▼

2024 · €3.78M

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€3.08M€3.75M▲

Fixed assets21/28€1.32M€1.51M▲

Intangible fixed assets21€219k€194k▼

Tangible fixed assets22/27€1.10M€1.32M▲

Land and buildings22€63k€73k▲

Plant, machinery and equipment23€979k€1.15M▲

Furniture and vehicles24€60k€95k▲

Current assets29/58€1.76M€2.24M▲

Stocks and contracts in progress3€981k€1.10M▲

Stocks30/36€981k€1.10M▲

Amounts receivable within one year40/41€60k€132k▲

Trade receivables40€51k€78k▲

Other amounts receivable41€9k€54k▲

Current investments50/53€367k€740k▲

Cash at bank and in hand54/58€349k€261k▼

Deferred charges and accrued income490/1€4k-

Equity and liabilities

Total equity and liabilities10/49€3.08M€3.75M▲

Equity10/15€756k€955k▲

Contributions10/11€500k€500k=

Reserves13€256k€455k▲

Distributable reserves133€256k€455k▲

Amounts payable17/49€2.33M€2.79M▲

Amounts payable after more than one year17-€306k

Financial debts170/4-€306k

Amounts payable within one year42/48€2.33M€2.49M▲

Current portion of amounts payable after more than one year42-€76k

Trade debts44€1.84M€2.04M▲

Suppliers440/4€1.84M€2.04M▲

Taxes, remuneration and social security45€487k€361k▼

Taxes450/3€95k€30k▼

Remuneration and social security454/9€391k€331k▼

Other amounts payable47/48-€5k

Income statement Code20242025

Remuneration, social security and pensions62€3.78M€2.95M▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€233k€330k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€14k

Other operating charges640/8€14k€6k▼

Gross operating margin9900€4.40M€3.58M▼

Operating profit (loss)9901€372k€281k▼

Financial income75/76B€3k€5k▲

Recurring financial income75€3k€5k▲

Financial charges65/66B€32k€30k▼

Recurring financial charges65€32k€30k▼

Profit (loss) for the period before taxes9903€342k€256k▼

Income taxes67/77€86k€56k▼

Profit (loss) for the period9904€256k€199k▼

Profit (loss) for the period to be appropriated9905€256k€199k▼

Appropriation of the result

Profit (loss) to be appropriated9906€256k€199k▼

Transfer to equity691/2€256k€199k▼

To other reserves6921€256k€199k▼

Social balance

Average headcount (FTE)908749.648.7▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

11-06

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

28-05

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated 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, Denderleeuw · 1 establishment unit since 2023

establishment The establishment unit on the map

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 629470 Denderleeuw

Ground area

3,837 m²

Building footprint

2,288 m²

Volume, LiDAR

10,949 m³

Parcel 41011A1714/00P002, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

DELHAIZE DENDERLEEUW

Kasteelstraat 62, 9470 DenderleeuwSupermarkets

since 20232.348.953.582

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41011A1714/00P002	Flanders	3,837 m²	1 · 2,288 m²	11.4 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.

Public money · subsidies and aid

Flemish government

2023 to 2025 · 6 entries · 16,354 EUR awarded · 16,354 EUR paid

Year	Entries	awarded	paid
2025	3	13,874 EUR	13,874 EUR
2024	2	1,928 EUR	1,928 EUR
2023	1	552 EUR	552 EUR

Schemes

Individueel Maatwerk

2 entries · 13,879 EUR · 13,879 EUR paid · Departement Werk en Sociale Economie

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

3 entries · 1,475 EUR · 1,475 EUR paid · Fonds voor Innoveren en Ondernemen

Premie kwalificerend werkplekleren

1 entry · 1,000 EUR · 1,000 EUR paid · Departement Werk, Economie, Wetenschap, Innovatie en Sociale Economie

Recognitions · licences · registrations

Food safety, FASFC

1 site · 1 with a smiley

Denderleeuw2.348.953.582

2 permissions · smiley 2028NL00264 valid until 14-04-2028

Toelating · Detailhandel · since 11-10-2023

Toelating · Vleeswinkel · since 11-10-2023

Dual-learning approval

2 live approvals

Logistiek duaal (so)

Goedgekeurd · 2024 to 2029

Onthaal, organisatie en sales duaal (so)

Goedgekeurd · 2025 to 2030

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BE 0440.241.527

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MEGA DECOR

BE 0656.935.072

Lier · Eq €933k

Of 12,985 companies in sector 47120 we hold annual accounts for 2,186. 894 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-08-2023

Fiscal year end31-12

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

47114Supermarkets

47120Other non-specialised retail sale

47192Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:info@addelhaizedenderleeuw.be

Establishment Denderleeuw 2.348.953.582

Phone:053/68.42.32

Establishment Denderleeuw 2.348.953.582