VAN DE KALE
ActiveSummary
VAN DE KALE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €13k. Equity is growing by ~33.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+7
Solvency51▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 0.91 in 2024; short-term debt: 62.5% and cash: 0.1% of total assets), and 74.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
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
25.6%
Return on assets
4.8%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-06-2026, 55 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 · 5 filingsDeviation from the deadline
2025
55 d late
2024
61 d late
2023
37 d late
2022
25 d late
2021
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 23.2%
2024 · €54k
2021: €-9k
2022: €27k
2023: €48k
2024: €54k
2021 → 2025
Total assets
€260k▼ 12.4%
2024 · €296k
2021: €5k
2022: €95k
2023: €160k
2024: €296k
2021 → 2025
Net result
€13k▲ 99.2%
2024 · €6k
2021: €-10k
2022: €36k
2023: €21k
2024: €6k
2021 → 2025
Working capital
€946
2024 · €-16k
2021: €-10k
2022: €4k
2023: €20k
2024: €-16k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-9k-€27k€48k▲ 76.0%€54k▲ 13.2%€66k▲ 23.2%
Operating result€-10k-€36k€31k▼ 15.0%€21k▼ 30.5%€27k▲ 27.5%
Net result€-10k-€36k€21k▼ 43.0%€6k▼ 69.5%€13k▲ 99.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €260k
Fixed assets
€97k ▼ 24.3%
Current assets
€163k ▼ 3.4%
Equity and liabilities €260k
Equity
€66k ▲ 23.2%
Debt
€193k ▼ 20.3%
Debt's share of the balance-sheet total falls from 81.8% to 74.4%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.01▲
2024 · 0.91
Debt to equity
2.91▼
2024 · 4.49
ROE
18.8%▲
2024 · 11.7%
ROA
4.8%▲
2024 · 2.1%
Debt ≤ 1 year
€162k▼
2024 · €185k
Debt > 1 year
€31k▼
2024 · €58k
Income taxes
€4k▼
2024 · €9k
Staff costs
€45k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€296k€260k▼
Fixed assets21/28€127k€97k▼
Tangible fixed assets22/27€127k€97k▼
Furniture and vehicles24€48k€48k=
Leasing and similar rights25€80k€49k▼
Current assets29/58€169k€163k▼
Amounts receivable within one year40/41€166k€163k▼
Trade receivables40€101k€92k▼
Other amounts receivable41€65k€71k▲
Cash at bank and in hand54/58€119€195▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€296k€260k▼
Equity10/15€54k€66k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€53k€65k▲
Amounts payable17/49€243k€193k▼
Amounts payable after more than one year17€58k€31k▼
Financial debts170/4€58k€31k▼
Amounts payable within one year42/48€185k€162k▼
Current portion of amounts payable after more than one year42€39k€27k▼
Financial debts43€11-
Credit institutions430/8€11-
Trade debts44€113k€106k▼
Suppliers440/4€113k€106k▼
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€14k€9k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€18k€18k=
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€112k-
Remuneration, social security and pensions62€6k€45k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A-€21k
Gross operating margin9900€30k€97k▲
Operating profit (loss)9901€21k€27k▲
Financial income75/76B€0€7k▲
Recurring financial income75€0€7k▲
Financial charges65/66B€6k€17k▲
Recurring financial charges65€6k€17k▲
Profit (loss) for the period before taxes9903€15k€17k▲
Income taxes67/77€9k€4k▼
Profit (loss) for the period9904€6k€13k▲
Profit (loss) for the period to be appropriated9905€6k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€65k▲
Profit (loss) brought forward from the previous period14P€47k€53k▲
The notes to these accounts (6 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
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 55 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
30-09
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
30-09
Financial
Liquidity quadruplescurrent ratio 1.09
Current ratio from 0.27 to 1.09.
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Wetteren · 1 establishment unit since 2021
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.
Brusselsesteenweg 359230 WetterenGround area
192 m²
Building footprint
80 m²
Volume, LiDAR
302 m³
Parcel 42025G0907/00R005, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VAN DE KALE
since 20212.313.477.417
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42025G0907/00R005 | Flanders | 192 m² | 1 · 80 m² | 7.9 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.
Similar companies · same sector, comparable size
CRAS
BE 0473.500.253
Laakdal · Eq €66,263
AM AUTOMOBILE
BE 0788.246.348
Sint-Genesius-Rode · Eq €66,108
RC CARS
BE 0860.754.145
Gembloux · Eq €65,543
MICHAEL VAN KUYK
BE 0808.730.669
Willebroek · Eq €65,488
L & M. MOTORS
BE 0452.297.637
Sankt Vith · Eq €65,428
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 761 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2021
Fiscal year end30-09
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
47830Retail sale of motorcycles and motorcycle parts and accessories
49410Freight transport by road
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.