VAN DE MAELE
ActiveVAN DE MAELE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €78k and a net result of €15k. Equity is growing by ~84% per year across the filed fiscal years. Its solvency ranks better than 20% of 2409 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2409 sector peers (2025).
NBB · sector comparisonPosition among 2409 sector peers
Solvency
better than 20%
← weakest
strongest →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
16 d early
2023
1 d early
2022
on the day
2021
3 d early
2020
18 d early
2019
91 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▲ 23.0%
2024 · €63k
2018: €-16k
2019: €-5k
2020: €2k
2021: €24k
2022: €7k
2023: €15k
2024: €63k
2018 → 2025
Net result
€15k▼ 69.5%
2024 · €48k
2018: €-15k
2019: €7k
2020: €7k
2021: €22k
2022: €6k
2023: €29k
2024: €48k
2018 → 2025
Total assets
€559k▼ 5.0%
2024 · €589k
2018: €440k
2019: €457k
2020: €462k
2021: €475k
2022: €687k
2023: €634k
2024: €589k
2018 → 2025
Solvency
13.9%▲ 3.2pp
2024 · 10.7%
2018: -3.7%
2019: -1.1%
2020: 0.5%
2021: 5.1%
2022: 1.0%
2023: 2.4%
2024: 10.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€7k▼ 72.1%€15k▲ 129%€63k▲ 308%€78k▲ 23.0%
Operating result€42k-€29k▼ 30.7%€52k▲ 78.4%€81k▲ 57.4%€34k▼ 58.2%
Net result€22k-€6k▼ 73.9%€29k▲ 401%€48k▲ 65.8%€15k▼ 69.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €559k
Fixed assets
€525k▼ 7.0%
Current assets
€35k▲ 39.0%
Equity and liabilities €559k
Equity
€78k▲ 23.0%
Debt
€482k▼ 8.4%
The debt ratio falls from 89.3% to 86.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
13.9%▲
2024 · 10.7%
ROE
18.7%▼
2024 · 75.5%
ROA
2.6%▼
2024 · 8.1%
Debt
€482k▼
2024 · €526k
Debt ≤ 1 year
€133k▲
2024 · €102k
Debt > 1 year
€341k▼
2024 · €403k
Income taxes
€8k▼
2024 · €21k
Staff costs
€34k▲
2024 · €-2k
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€589k€559k▼
Fixed assets21/28€564k€525k▼
Intangible fixed assets21€261k€223k▼
Tangible fixed assets22/27€297k€296k▼
Land and buildings22€288k€287k▼
Plant, machinery and equipment23€830€489▼
Furniture and vehicles24€9k€8k▼
Financial fixed assets28€6k€6k=
Current assets29/58€25k€35k▲
Amounts receivable after more than one year29€512-
Other amounts receivable291€512-
Amounts receivable within one year40/41€4k€11k▲
Trade receivables40€4k€2k▼
Other amounts receivable41-€9k
Cash at bank and in hand54/58€55€27▼
Deferred charges and accrued income490/1€21k€23k▲
Equity and liabilities
Total equity and liabilities10/49€589k€559k▼
Equity10/15€63k€78k▲
Contributions10/11€1k€1k=
Reserves13€62k€77k▲
Distributable reserves133€62k€77k▲
Amounts payable17/49€526k€482k▼
Amounts payable after more than one year17€403k€341k▼
Financial debts170/4€403k€311k▼
Other amounts payable178/9-€30k
Amounts payable within one year42/48€102k€133k▲
Current portion of amounts payable after more than one year42€80k€81k▲
Financial debts43€18k€22k▲
Credit institutions430/8€18k€22k▲
Trade debts44€1k€24k▲
Suppliers440/4€1k€24k▲
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€626▼
Remuneration and social security454/9-€5k
Accrued charges and deferred income492/3€20k€8k▼
Income statement
Code20242025
Non-recurring operating income76A-€10k
Remuneration, social security and pensions62€-2k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€59k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€1k€8k▲
Gross operating margin9900€140k€137k▼
Operating profit (loss)9901€81k€34k▼
Financial income75/76B€842€39▼
Recurring financial income75€842€39▼
Financial charges65/66B€13k€11k▼
Recurring financial charges65€13k€11k▼
Profit (loss) for the period before taxes9903€69k€23k▼
Income taxes67/77€21k€8k▼
Profit (loss) for the period9904€48k€15k▼
Profit (loss) for the period to be appropriated9905€48k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€15k▼
Transfer to equity691/2€48k€15k▼
To other reserves6921€48k€15k▼
The notes to these accounts (12 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €48k ▲65.8%
Operating result €81k, net result €48k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 2.53
Current ratio from 0.40 to 2.53; short-term debt falls from €97k to €15k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Brugge · 2 establishment units since 2014
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.
Astridlaan 608310 BruggeGround area
1,322 m²
Building footprint
277 m²
Volume, LiDAR
1,512 m³
2 parcels, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Robust vastgoed & verzekeringen
since 20142.230.647.632
Robust vastgoed & verzekeringen
since 20222.335.287.569
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31029B0395/00F002 | Flanders | 1,197 m² | 1 · 122 m² | 11.3 m · 3 fl. |
| 31434C0160/00V012 | Flanders | 125 m² | 1 · 155 m² | 10.3 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 109 EUR awarded · 109 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 50 EUR | 50 EUR |
| 2022 | 1 | 59 EUR | 59 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 2,568 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2014
Fiscal year end31-12
Trade name NL
Robust Vastgoed & Verzekeringen
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.