Van Loy
ActiveSummary
The computed 12-month bankruptcy probability of Van Loy is 2.1% (moderate). The 2025 annual accounts show equity of €23k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 27786 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
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-8
Solvency33▼-37
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.8 against 1.24 in 2024; short-term debt: 83.1% and cash: 18.7% of total assets), and 91.6% 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+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 43
Relative position
BE, all sectors
reference
Sector 43
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
8.4%
Return on assets
0.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 5 filingsDeviation from the deadline
2025
5 d late
2024
132 d early
2023
61 d early
2022
140 d early
2021
5 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 76.9%
2024 · €101k
2021: €21k
2022: €39k
2023: €85k
2024: €101k
2021 → 2025
Total assets
€278k▲ 24.5%
2024 · €223k
2021: €29k
2022: €105k
2023: €213k
2024: €223k
2021 → 2025
Net result
€2k▼ 86.5%
2024 · €16k
2021: €16k
2022: €18k
2023: €46k
2024: €16k
2021 → 2025
Working capital
€-47k
2024 · €29k
2021: €19k
2022: €-653
2023: €-10k
2024: €29k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€39k▲ 88.1%€85k▲ 120%€101k▲ 19.1%€23k▼ 76.9%
Operating result€19k-€22k▲ 12.1%€59k▲ 171%€22k▼ 63.2%€5k▼ 79.1%
Net result€16k-€18k▲ 16.5%€46k▲ 156%€16k▼ 64.9%€2k▼ 86.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€94k ▲ 30.2%
Current assets
€184k ▲ 21.8%
Equity and liabilities €278k
Equity
€23k ▼ 76.9%
Debt
€255k ▲ 108%
Debt's share of the balance-sheet total rises from 54.7% to 91.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €55k
Cash flow
€28k▼
2024 · €50k
Current ratio
0.80▼
2024 · 1.24
Quick ratio
0.65▼
2024 · 1.16
Debt to equity
10.91▲
2024 · 1.21
ROE
9.4%▼
2024 · 16.1%
ROA
0.8%▼
2024 · 7.3%
Interest coverage
17.57▼
2024 · 36.72
Debt ≤ 1 year
€231k▲
2024 · €122k
Debt > 1 year
€23k
Income taxes
€2k▼
2024 · €5k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€223k€278k▲
Fixed assets21/28€72k€94k▲
Tangible fixed assets22/27€72k€94k▲
Plant, machinery and equipment23€6k€6k▲
Furniture and vehicles24€66k€46k▼
Leasing and similar rights25-€41k
Current assets29/58€151k€184k▲
Stocks and contracts in progress3€10k€34k▲
Stocks30/36€10k€17k▲
Contracts in progress37-€18k
Amounts receivable within one year40/41€52k€92k▲
Trade receivables40€45k€87k▲
Other amounts receivable41€7k€5k▼
Cash at bank and in hand54/58€86k€52k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€223k€278k▲
Equity10/15€101k€23k▼
Contributions10/11€5k€5k=
Reserves13€96k€18k▼
Distributable reserves133€96k€18k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€122k€255k▲
Amounts payable after more than one year17-€23k
Financial debts170/4-€23k
Amounts payable within one year42/48€122k€231k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€3k€26k▲
Suppliers440/4€3k€26k▲
Taxes, remuneration and social security45€11k€11k▲
Taxes450/3€9k€9k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€108k€188k▲
Accrued charges and deferred income492/3-€360
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€26k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€57k€33k▼
Operating profit (loss)9901€22k€5k▼
Financial income75/76B€868€2k▲
Recurring financial income75€868€2k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€21k€4k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€16k€2k▼
Profit (loss) for the period to be appropriated9905€16k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€2k▼
Transfer from equity791/2-€78k
Transfer to equity691/2€16k€0▼
To other reserves6921€16k€0▼
Profit to be distributed694/7-€80k
Return on contributions (dividend)694-€80k
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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼86.5%
Net result drops to €2k, the lowest in the series.
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €101k ▲19.1%
4 profitable years in a row build equity to €101k.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €46k ▲156%
Operating result €59k, net result €46k, both a record.
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
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
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, Retie · 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.
Hodonk 752470 RetieGround area
2,531 m²
Building footprint
233 m²
Volume, LiDAR
1,043 m³
Parcel 13036E0446/00D000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Van Loy - Van Loy BV beregening - Van Loy BV techn
since 20212.316.301.701
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036E0446/00D000 | Flanders | 2,531 m² | 1 · 233 m² | 7.1 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
2024 · 1 entry · 208 EUR awarded · 208 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 208 EUR | 208 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 2,556 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
Founded21-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.