VAN DE VELDE LOUIC
ActiveThe computed 12-month bankruptcy probability of VAN DE VELDE LOUIC is 2.0% (moderate). The 2025 annual accounts show equity of €135k and a net result of €27k. Equity is growing by ~37.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 2176 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-10
Solvency80▲+16
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.06 in 2024; short-term debt: 22.9% and cash: 24.1% of total assets), and 45.1% 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
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 41
Relative position
BE, all sectors
reference
Sector 41
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
54.9%
Return on assets
11%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-01-2026, 17 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
17 d early
2024
31 d early
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€135k▲ 25.1%
2024 · €108k
2023: €54k
2024: €108k
2023 → 2025
Total assets
€246k▼ 12.0%
2024 · €280k
2023: €104k
2024: €280k
2023 → 2025
Net result
€27k▼ 50.1%
2024 · €54k
2023: €53k
2024: €54k
2023 → 2025
Working capital
€27k▲ 321%
2024 · €6k
2023: €34k
2024: €6k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€54k-€108k▲ 102%€135k▲ 25.1%
Operating result€66k-€70k▲ 5.3%€38k▼ 45.7%
Net result€53k-€54k▲ 3.4%€27k▼ 50.1%
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 46% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €246k
Fixed assets
€163k▲ 2.9%
Current assets
€84k▼ 31.3%
Equity and liabilities €246k
Equity
€135k▲ 25.1%
Debt
€111k▼ 35.3%
The debt ratio falls from 61.4% to 45.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▼
2024 · €90k
Cash flow
€68k▼
2024 · €74k
Solvency
54.9%▲
2024 · 38.6%
Current ratio
1.48▲
2024 · 1.06
Quick ratio
1.43▲
2024 · 0.81
Debt / equity
0.82▼
2024 · 1.59
ROE
20.1%▼
2024 · 50.4%
ROA
11.0%▼
2024 · 19.4%
Interest coverage
24.84▼
2024 · 43.75
Debt
€111k▼
2024 · €172k
Debt ≤ 1 year
€56k▼
2024 · €115k
Debt > 1 year
€54k▼
2024 · €56k
Income taxes
€8k▼
2024 · €13k
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€280k€246k▼
Fixed assets21/28€158k€163k▲
Tangible fixed assets22/27€158k€163k▲
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€150k€157k▲
Current assets29/58€122k€84k▼
Stocks and contracts in progress3€28k€3k▼
Contracts in progress37€28k€3k▼
Amounts receivable within one year40/41€36k€21k▼
Trade receivables40€30k€18k▼
Other amounts receivable41€7k€3k▼
Cash at bank and in hand54/58€57k€59k▲
Equity and liabilities
Total equity and liabilities10/49€280k€246k▼
Equity10/15€108k€135k▲
Contributions10/11€1k€1k=
Reserves13€107k€134k▲
Distributable reserves133€107k€134k▲
Amounts payable17/49€172k€111k▼
Amounts payable after more than one year17€56k€54k▼
Financial debts170/4€56k€54k▼
Amounts payable within one year42/48€115k€56k▼
Current portion of amounts payable after more than one year42€19k€23k▲
Trade debts44€53k€1k▼
Suppliers440/4€53k€1k▼
Taxes, remuneration and social security45€6k-
Taxes450/3€6k-
Other amounts payable47/48€37k€31k▼
Accrued charges and deferred income492/3€625€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€40k▲
Other operating charges640/8€280€370▲
Gross operating margin9900€90k€79k▼
Operating profit (loss)9901€70k€38k▼
Financial income75/76B€10-
Recurring financial income75€10-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€68k€35k▼
Income taxes67/77€13k€8k▼
Profit (loss) for the period9904€54k€27k▼
Profit (loss) for the period to be appropriated9905€54k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€27k▼
Transfer to equity691/2€54k€27k▼
To other reserves6921€54k€27k▼
The notes to these accounts (7 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
14-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €27k ▼50.1%
Net result drops to €27k, the lowest in the series.
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Highest result since 2023net €54k ▲3.4%
Operating result €70k, net result €54k, both a record.
30-06
Financial
Equity above €100kEq €108k ▲102%
2 profitable years in a row build equity to €108k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lievegem · 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.
Langeboeken 179930 LievegemGround area
1.3 ha
Building footprint
160 m²
Volume, LiDAR
892 m³
Parcel 44080B1138/00F000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VAN DE VELDE LOUIC
since 20212.323.011.329
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080B1138/00F000 | Flanders | 1.3 ha | 1 · 160 m² | 8.0 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 to 2023 · 2 entries · 692 EUR awarded · 692 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 41 EUR | 41 EUR |
| 2022 | 1 | 651 EUR | 651 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,805 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2021
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.