VAN LOON & Zn
ActiveVAN LOON & Zn has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-137k) and a net result of €-24k. Equity is shrinking by ~50.4% per year across the filed fiscal years. Its solvency ranks better than 7% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▲+14
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.09 against 0.1 in 2024; short-term debt: 83.5% and cash: 0.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-33.6%
Return on assets
-5.8%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-137k
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
37 d early
2023
16 d early
2022
56 d early
2021
3 d late
2020
33 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-137k▼ 20.9%
2024 · €-114k
2018: €23k
2019: €-3k
2020: €-30k
2021: €-45k
2022: €-44k
2023: €-78k
2024: €-114k
2018 → 2025
Total assets
€409k▼ 6.1%
2024 · €435k
2018: €1.10M
2019: €1.06M
2020: €742k
2021: €772k
2022: €550k
2023: €458k
2024: €435k
2018 → 2025
Net result
€-24k▲ 34.1%
2024 · €-36k
2018: €-32k
2019: €-26k
2020: €-27k
2021: €-15k
2022: €901
2023: €-33k
2024: €-36k
2018 → 2025
Working capital
€-309k▼ 9.3%
2024 · €-283k
2018: €-137k
2019: €-68k
2020: €-106k
2021: €-138k
2022: €-210k
2023: €-244k
2024: €-283k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-45k-€-44k▲ 2.0%€-78k▼ 75.2%€-114k▼ 46.5%€-137k▼ 20.9%
Operating result€-3k-€13k€-23k€-26k▼ 13.7%€-14k▲ 47.8%
Net result€-15k-€901€-33k€-36k▼ 8.2%€-24k▲ 34.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €26k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €409k
Fixed assets
€377k▼ 6.9%
Current assets
€32k▲ 5.3%
Key figures and ratios
EBITDA
€14k▲
2024 · €1k
Cash flow
€4k▲
2024 · €-8k
Solvency
-33.6%▼
2024 · -26.1%
Current ratio
0.09▼
2024 · 0.10
Quick ratio
0.02▼
2024 · 0.02
Debt / equity
-3.98▲
2024 · -4.83
ROA
-5.8%▲
2024 · -8.3%
Interest coverage
1.43▲
2024 · 0.13
Debt
€546k▼
2024 · €549k
Debt ≤ 1 year
€341k▲
2024 · €313k
Debt > 1 year
€203k▼
2024 · €233k
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€435k€409k▼
Fixed assets21/28€405k€377k▼
Tangible fixed assets22/27€405k€377k▼
Land and buildings22€405k€377k▼
Current assets29/58€30k€32k▲
Stocks and contracts in progress3€25k€26k▲
Stocks30/36€25k€26k▲
Amounts receivable within one year40/41€0€4k▲
Other amounts receivable41€0€4k▲
Cash at bank and in hand54/58€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€435k€409k▼
Equity10/15€-114k€-137k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-134k€-158k▼
Amounts payable17/49€549k€546k▼
Amounts payable after more than one year17€233k€203k▼
Financial debts170/4€233k€203k▼
Amounts payable within one year42/48€313k€341k▲
Current portion of amounts payable after more than one year42€30k€30k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€302€0▼
Taxes450/3€302€0▼
Other amounts payable47/48€281k€308k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€4k€17k▲
Operating profit (loss)9901€-26k€-14k▲
Financial income75/76B€10€69▲
Recurring financial income75€10€69▲
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€-36k€-24k▲
Profit (loss) for the period9904€-36k€-24k▲
Profit (loss) for the period to be appropriated9905€-36k€-24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-134k€-158k▼
Profit (loss) brought forward from the previous period14P€-98k€-134k▼
The notes to these accounts (16 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €901
Net result €901 after 4 loss-making years.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
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, Ravels · 1 establishment unit since 1997
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.
Grote Baan 1002380 RavelsGround area
407 m²
Building footprint
171 m²
Volume, LiDAR
871 m³
Parcel 13035A0004/00Y057, Flanders · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VAN LOON & ZN
since 19972.081.309.697
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13035A0004/00Y057 | Flanders | 407 m² | 1 · 171 m² | 10.8 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
Renovus
BE 0669.853.492
Herent · Eq €23k
I-KONSTRUKT
BE 0662.717.955
Lanaken · Eq €23k
Minka
BE 0708.864.914
Rijkevorsel · Eq €23k
STAM
BE 0722.990.389
Oudenaarde · Eq €23k
RENO-VDK
BE 0753.529.751
Ardooie · Eq €23k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 4,199 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-03-1997
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
43422Screed work
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.