Van Mossel VMVA Dendermonde
ActiveVan Mossel VMVA Dendermonde has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €533k and a net result of €434k. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 18% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+26
Solvency32▼-8
Growth56▲+19
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.26 in 2024; short-term debt: 83% and cash: 1.2% of total assets), and 92.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
7.5%
Return on assets
6.1%
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 18% of 4123 sector peers (2025).
NBB · sector comparisonPosition among 4123 sector peers
Solvency
better than 18%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
60 d late
2023
139 d late
2022
6 d early
2021
15 d late
2020
1 d early
2019
17 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€30.72M▲ 21.7%
2024 · €25.24M
2018: €20.51M
2019: €19.40M
2020: €17.67M
2021: €17.72M
2022: €17.83M
2023: €24.45M
2024: €25.24M
2018 → 2025
EBIT margin
2.7%▲ 1.5pp
2024 · 1.2%
2018: 1.9%
2019: 0.9%
2020: 1.9%
2021: 1.5%
2022: 3.8%
2023: 4.7%
2024: 1.2%
2018 → 2025
Net result
€434k▲ 3,976%
2024 · €11k
2018: €240k
2019: €85k
2020: €193k
2021: €185k
2022: €438k
2023: €649k
2024: €11k
2018 → 2025
Working capital
€729k▼ 47.6%
2024 · €1.39M
2018: €1.69M
2019: €1.01M
2020: €797k
2021: €605k
2022: €848k
2023: €1.53M
2024: €1.39M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€17.72M-€17.83M▲ 0.6%€24.45M▲ 37.2%€25.24M▲ 3.2%€30.72M▲ 21.7%
Equity€665k-€803k▲ 20.8%€1.09M▲ 35.5%€1.10M▲ 1.0%€533k▼ 51.5%
Operating result€269k-€679k▲ 153%€1.15M▲ 68.7%€303k▼ 73.6%€827k▲ 173%
Net result€185k-€438k▲ 137%€649k▲ 48.0%€11k▼ 98.4%€434k▲ 3,976%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 173% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.12M
Fixed assets
€484k▼ 24.0%
Current assets
€6.64M▼ 2.3%
Equity and liabilities €7.12M
Equity
€533k▼ 51.5%
Provisions
€2k=
Debt
€6.59M▲ 4.1%
The debt ratio rises from 85.2% to 92.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€996k▲
2024 · €478k
Cash flow
€603k▲
2024 · €186k
Solvency
7.5%▼
2024 · 14.8%
Current ratio
1.12▼
2024 · 1.26
Quick ratio
0.25▼
2024 · 0.35
Debt / equity
12.37▲
2024 · 5.76
ROE
81.5%▲
2024 · 1.0%
ROA
6.1%▲
2024 · 0.1%
Interest coverage
5.17▲
2024 · 1.69
Debt
€6.59M▲
2024 · €6.33M
Debt ≤ 1 year
€5.91M▲
2024 · €5.40M
Debt > 1 year
€430k▼
2024 · €624k
Income taxes
€221k▲
2024 · €10k
Staff costs
€2.02M▲
2024 · €1.88M
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€7.43M€7.12M▼
Fixed assets21/28€637k€484k▼
Intangible fixed assets21€119k€69k▼
Tangible fixed assets22/27€517k€414k▼
Land and buildings22€59k€17k▼
Plant, machinery and equipment23€43k€34k▼
Furniture and vehicles24€38k€48k▲
Other tangible fixed assets26€376k€314k▼
Financial fixed assets28€1k€1k=
Other financial fixed assets284/8€1k€1k=
Amounts receivable and cash guarantees285/8€1k€1k=
Current assets29/58€6.79M€6.64M▼
Stocks and contracts in progress3€4.93M€5.16M▲
Stocks30/36€4.93M€5.16M▲
Goods purchased for resale34€4.93M€5.16M▲
Amounts receivable within one year40/41€1.84M€1.39M▼
Trade receivables40€531k€1.39M▲
Other amounts receivable41€1.31M€457▼
Cash at bank and in hand54/58€21k€87k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€7.43M€7.12M▼
Equity10/15€1.10M€533k▼
Contributions10/11€13k€13k=
Reserves13€1.09M€519k▼
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€1.06M€496k▼
Provisions and deferred taxes16€2k€2k=
Provisions for liabilities and charges160/5€2k€2k=
Environmental obligations163€2k€2k=
Amounts payable17/49€6.33M€6.59M▲
Amounts payable after more than one year17€624k€430k▼
Financial debts170/4€624k€430k▼
Credit institutions173€624k€430k▼
Amounts payable within one year42/48€5.40M€5.91M▲
Current portion of amounts payable after more than one year42€192k€195k▲
Financial debts43€4.18M€3.90M▼
Credit institutions430/8-€3.90M
Other loans439€4.18M-
Trade debts44€687k€450k▼
Suppliers440/4€687k€450k▼
Advances received on contracts in progress46€31k€3k▼
Taxes, remuneration and social security45€290k€307k▲
Taxes450/3€121k€126k▲
Remuneration and social security454/9€169k€180k▲
Other amounts payable47/48€29k€1.06M▲
Accrued charges and deferred income492/3€302k€248k▼
Income statement
Code20242025
Operating income70/76A€25.37M€30.79M▲
Turnover70€25.24M€30.72M▲
Other operating income74€123k€78k▼
Non-recurring operating income76A€3k€0▼
Operating charges60/66A€25.07M€29.97M▲
Goods for resale, raw materials and consumables60€20.81M€25.61M▲
Purchases600/8€23.03M€25.84M▲
Change in stocks: decrease (increase)609€-2.23M€-229k▲
Services and other goods61€2.19M€2.13M▼
Remuneration, social security and pensions62€1.88M€2.02M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€175k€169k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-26k€5k▲
Other operating charges640/8€36k€30k▼
Non-recurring operating charges66A€265€645▲
Operating profit (loss)9901€303k€827k▲
Financial income75/76B€5k€27k▲
Recurring financial income75€5k€27k▲
Income from current assets751€2k€18k▲
Other financial income752/9€3k€9k▲
Financial charges65/66B€287k€199k▼
Recurring financial charges65€287k€199k▼
Debt charges650€282k€193k▼
Other financial charges652/9€5k€6k▲
Profit (loss) for the period before taxes9903€21k€655k▲
Income taxes67/77€10k€221k▲
Taxes670/3€10k€221k▲
Profit (loss) for the period9904€11k€434k▲
Profit (loss) for the period to be appropriated9905€11k€434k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€434k▲
Transfer from equity791/2-€1.00M
From reserves792-€1.00M
Transfer to equity691/2€11k€434k▲
To other reserves6921€11k€434k▲
Profit to be distributed694/7-€1.00M
Return on contributions (dividend)694-€1.00M
Social balance
Average headcount (FTE)908730.629.7▼
The notes to these accounts (76 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €11k ▼98.4%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
17-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 139 days late
2023
31-12
Financial
Highest result since 2018net €649k ▲48%
Operating result €1.15M, net result €649k, both a record.
31-12
Financial
Equity above €1MEq €1.09M ▲35.5%
6 profitable years in a row build equity to €1.09M.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
15-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 15 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
18 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, Dendermonde · 2 establishment units since 1980
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.
Korte Dijkstraat 759200 DendermondeGround area
9,283 m²
Building footprint
4,026 m²
Volume, LiDAR
23,471 m³
2 parcels, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Van Mossel VMVA Dendermonde
since 19802.017.002.756
Wondercar Dendermonde
since 20192.296.032.560
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42021A0825/00X000 | Flanders | 5,550 m² | 1 · 2,745 m² | 7.9 m · 2 fl. |
| 42021A1027/00V000 | Flanders | 3,733 m² | 1 · 1,281 m² | 7.5 m · 2 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 2025 · 5 entries · 4,170 EUR awarded · 4,170 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 500 EUR | 500 EUR |
| 2022 | 2 | 1,670 EUR | 1,670 EUR |
Schemes
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
7 live approvals · 5 endedAutotechnieken duaal (so)
Bandenmonteur (vwo)
Bandenmonteur duaal (so)
Koetswerk duaal (so)
Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
Show 1 more
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)
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Of 10,679 companies in sector 47811 we hold annual accounts for 5,225. 3,412 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1980
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50200
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45204
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 45 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.