VAN OVERVELD
ActiveVAN OVERVELD has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €481k and a net result of €7k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 63% of 2090 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
81
/ 100
Excellent▲ +20 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability7▼-4
Solvency95▲+50
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.24 in 2023), and 49.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
90 d late
2022
60 d late
2021
26 d late
2020
31 d late
2019
68 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€481k▲ 1.5%
2023 · €474k
2018: €252k
2019: €266k
2020: €278k
2021: €265k
2022: €464k
2023: €474k
2018 → 2024
Total assets
€956k▼ 47.3%
2023 · €1.81M
2018: €667k
2019: €600k
2020: €639k
2021: €979k
2022: €1.27M
2023: €1.81M
2018 → 2024
Net result
€7k▼ 29.7%
2023 · €10k
2018: €1k
2019: €14k
2020: €12k
2021: €115k
2022: €199k
2023: €10k
2018 → 2024
Working capital
€326k▲ 19.2%
2023 · €274k
2018: €132k
2019: €149k
2020: €113k
2021: €-233k
2022: €282k
2023: €274k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€278k-€265k▼ 4.8%€464k▲ 75.0%€474k▲ 2.2%€481k▲ 1.5%
Operating result€21k-€142k▲ 562%€286k▲ 101%€32k▼ 88.8%€72k▲ 125%
Net result€12k-€115k▲ 823%€199k▲ 73.3%€10k▼ 94.9%€7k▼ 29.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 125% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €956k
Fixed assets
€312k▼ 17.7%
Current assets
€644k▼ 55.1%
Equity and liabilities €956k
Equity
€481k▲ 1.5%
Debt
€475k▼ 64.6%
The debt ratio falls from 73.8% to 49.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€187k▲
2023 · €134k
Cash flow
€122k▲
2023 · €113k
Solvency
50.4%▲
2023 · 26.2%
Current ratio
2.03▲
2023 · 1.24
Quick ratio
1.45▲
2023 · 0.28
Debt / equity
0.99▼
2023 · 2.82
ROE
1.5%▼
2023 · 2.2%
ROA
0.8%▲
2023 · 0.6%
Interest coverage
2.51▼
2023 · 9.64
Debt
€475k▼
2023 · €1.34M
Debt ≤ 1 year
€318k▼
2023 · €1.16M
Debt > 1 year
€157k▼
2023 · €179k
Income taxes
€7k▼
2023 · €8k
Staff costs
€326k▼
2023 · €415k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.81M€956k▼
Fixed assets21/28€379k€312k▼
Tangible fixed assets22/27€379k€312k▼
Plant, machinery and equipment23€247k€187k▼
Furniture and vehicles24€124k€90k▼
Leasing and similar rights25-€31k
Other tangible fixed assets26€8k€4k▼
Financial fixed assets28€135€135=
Current assets29/58€1.43M€644k▼
Stocks and contracts in progress3€1.11M€183k▼
Stocks30/36€1.11M€40k▼
Contracts in progress37-€143k
Amounts receivable within one year40/41€320k€444k▲
Trade receivables40€129k€148k▲
Other amounts receivable41€190k€296k▲
Cash at bank and in hand54/58€45€453▲
Deferred charges and accrued income490/1€7k€16k▲
Equity and liabilities
Total equity and liabilities10/49€1.81M€956k▼
Equity10/15€474k€481k▲
Contributions10/11€6k€6k=
Reserves13€468k€475k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€466k€473k▲
Amounts payable17/49€1.34M€475k▼
Amounts payable after more than one year17€179k€157k▼
Financial debts170/4€179k€157k▼
Amounts payable within one year42/48€1.16M€318k▼
Current portion of amounts payable after more than one year42€61k€58k▼
Financial debts43€824k€4k▼
Credit institutions430/8€824k€4k▼
Trade debts44€167k€132k▼
Suppliers440/4€167k€132k▼
Taxes, remuneration and social security45€108k€124k▲
Taxes450/3€85k€119k▲
Remuneration and social security454/9€22k€6k▼
Income statement
Code20232024
Remuneration, social security and pensions62€415k€326k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€115k▲
Other operating charges640/8€7k€7k▼
Gross operating margin9900€557k€519k▼
Operating profit (loss)9901€32k€72k▲
Financial income75/76B€0€17k▲
Recurring financial income75€0€17k▲
Financial charges65/66B€14k€74k▲
Recurring financial charges65€14k€74k▲
Profit (loss) for the period before taxes9903€18k€14k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€10k€7k▼
Profit (loss) for the period to be appropriated9905€10k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€7k▼
Transfer to equity691/2€10k€7k▼
To other reserves6921€10k€7k▼
Social balance
Average headcount (FTE)90875.94.5▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 90 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €199k ▲73.3%
Operating result €286k, net result €199k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.43
Current ratio from 0.64 to 1.43.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
VAN OVERVELD Luc Adriaan Cornelis
CurrentDirector · since 18-12-2023
18-12-2023
VAN OVERVELD Luc Adriaan Cornelis: Appointed as Director
18-12-2023
VAN OVERVELD Luc: Resigned as Director
Location & real-estate footprint
Registered office, Kalmthout · 1 establishment unit since 1999
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.
Brasschaatsteenweg (C) 2782920 KalmthoutGround area
538 m²
Building footprint
149 m²
Volume, LiDAR
875 m³
Parcel 11662E0510/00H000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brasschaatsteenweg (C) 278, 2920 Kalmthout
since 19992.091.829.546
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0510/00H000 | Flanders | 538 m² | 1 · 149 m² | 8.4 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.
Similar companies · same sector, comparable size
VERHENNE FRANKY BOUWONDERNEMING
BE 0407.170.663
Wingene · Eq €481k
ALNA INVEST
BE 0426.319.948
Hasselt · Eq €481k
RACON BOUWBEDRIJF
BE 0423.892.374
Kortemark · Eq €481k
Constant Goedleven
BE 0403.829.608
Brasschaat · Eq €481k
FRADES
BE 0807.309.521
Binche · Eq €481k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,859. 9,288 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-07-1999
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45211
45250
43320Joinery installation
43331Floor and wall tiling
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.