VAN DE LAER
ActiveVAN DE LAER has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.35M and a net result of €152k. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 95% of 1030 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+11
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 7.35 against 6.78 in 2024), and 7% 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.
−lowers 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
93%
Return on assets
10.5%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
6 d early
2023
6 d early
2022
4 d early
2021
5 d late
2020
12 d late
2019
12 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.35M▲ 0.2%
2024 · €1.34M
2018: €2.54M
2019: €2.69M
2020: €1.86M
2021: €1.61M
2022: €1.63M
2023: €1.47M
2024: €1.34M
2018 → 2025
Total assets
€1.45M▲ 0.2%
2024 · €1.44M
2018: €2.59M
2019: €2.77M
2020: €1.93M
2021: €1.72M
2022: €1.72M
2023: €1.55M
2024: €1.44M
2018 → 2025
Net result
€152k▲ 26.1%
2024 · €121k
2018: €249k
2019: €150k
2020: €269k
2021: €239k
2022: €213k
2023: €81k
2024: €121k
2018 → 2025
Working capital
€640k▲ 10.9%
2024 · €577k
2018: €2.37M
2019: €2.21M
2020: €1.13M
2021: €778k
2022: €844k
2023: €660k
2024: €577k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.61M-€1.63M▲ 1.6%€1.47M▼ 9.8%€1.34M▼ 8.7%€1.35M▲ 0.2%
Operating result€368k-€313k▼ 14.7%€119k▼ 62.0%€178k▲ 49.5%€223k▲ 25.2%
Net result€239k-€213k▼ 11.0%€81k▼ 61.7%€121k▲ 48.2%€152k▲ 26.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€707k▼ 7.9%
Current assets
€741k▲ 9.4%
Equity and liabilities €1.45M
Equity
€1.35M▲ 0.2%
Debt
€101k▲ 1.0%
The debt ratio rises from 6.9% to 7.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€286k▲
2024 · €241k
Cash flow
€215k▲
2024 · €184k
Solvency
93.0%▼
2024 · 93.1%
Current ratio
7.35▲
2024 · 6.78
Quick ratio
6.97▲
2024 · 6.42
Debt / equity
0.07▲
2024 · 0.07
ROE
11.3%▲
2024 · 9.0%
ROA
10.5%▲
2024 · 8.4%
Interest coverage
485.45▲
2024 · 287.33
Debt
€101k▲
2024 · €100k
Debt ≤ 1 year
€101k▲
2024 · €100k
Income taxes
€73k▲
2024 · €58k
Staff costs
€253k▼
2024 · €256k
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€1.44M€1.45M▲
Fixed assets21/28€768k€707k▼
Intangible fixed assets21€7k€4k▼
Tangible fixed assets22/27€760k€703k▼
Land and buildings22€680k€648k▼
Plant, machinery and equipment23€28k€21k▼
Furniture and vehicles24€53k€34k▼
Financial fixed assets28€421€421=
Current assets29/58€677k€741k▲
Stocks and contracts in progress3€36k€39k▲
Stocks30/36€36k€39k▲
Amounts receivable within one year40/41€106k€142k▲
Trade receivables40€62k€104k▲
Other amounts receivable41€44k€38k▼
Cash at bank and in hand54/58€522k€549k▲
Deferred charges and accrued income490/1€13k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.45M▲
Equity10/15€1.34M€1.35M▲
Contributions10/11€62k€62k=
Reserves13€1.24M€1.25M▲
Distributable reserves133€1.24M€1.25M▲
Profit (loss) carried forward14€38k€38k=
Amounts payable17/49€100k€101k▲
Amounts payable within one year42/48€100k€101k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€23k€19k▼
Suppliers440/4€23k€19k▼
Taxes, remuneration and social security45€62k€64k▲
Taxes450/3€10k€14k▲
Remuneration and social security454/9€51k€50k▼
Other amounts payable47/48€15k€17k▲
Income statement
Code20242025
Non-recurring operating income76A-€194
Remuneration, social security and pensions62€256k€253k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€63k▲
Other operating charges640/8€7k€7k▼
Gross operating margin9900€504k€546k▲
Operating profit (loss)9901€178k€223k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€839€590▼
Recurring financial charges65€839€590▼
Profit (loss) for the period before taxes9903€179k€225k▲
Income taxes67/77€58k€73k▲
Profit (loss) for the period9904€121k€152k▲
Profit (loss) for the period to be appropriated9905€121k€152k▲
Appropriation of the result
Profit (loss) to be appropriated9906€159k€190k▲
Profit (loss) brought forward from the previous period14P€38k€38k=
Transfer from equity791/2€249k€150k▼
Transfer to equity691/2€121k€152k▲
To other reserves6921€121k€152k▲
Profit to be distributed694/7€249k€150k▼
Return on contributions (dividend)694€249k€150k▼
Social balance
Average headcount (FTE)90876.16.1=
The notes to these accounts (13 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €81k ▼61.7%
Net result drops to €81k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 5 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
31-12
Financial
Highest result since 2018net €269k ▲78.9%
Operating result €395k, net result €269k, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 12 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 days late
2017
31-07
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, Scherpenheuvel-Zichem · 1 establishment unit since 1999
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.
Weg Messelbroek 533271 Scherpenheuvel-ZichemGround area
1,095 m²
Building footprint
225 m²
Volume, LiDAR
1,308 m³
Parcel 24129D0604/00N000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Weg Messelbroek 53, 3271 Scherpenheuvel-Zichem
since 19992.092.254.762
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24129D0604/00N000 | Flanders | 1,095 m² | 1 · 225 m² | 8.9 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
2022 · 2 entries · 4,433 EUR awarded · 4,433 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 2 | 4,433 EUR | 4,433 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Bijkomende retroactieve investeringspremie voor eigenaars van een warmtepomp én zonnepanelen na afschaffing van terugdraaiende teller
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Of 898 companies in sector 96301 we hold annual accounts for 610. 429 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-1999
Fiscal year end31-12
Activities, NACEBEL
93031
96301Funeral services
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.