VANBERGEN
ActiveSummary
VANBERGEN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81,989 and a net result of €16,702. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 53% of 2591 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+13
Solvency67▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.29 in 2024; short-term debt: 58.2% and cash: 3.3% of total assets), and 58.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← 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
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
41.7%
Return on assets
8.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
20 d late
2023
23 d early
2022
12 d early
2021
29 d late
2020
26 d late
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€81,989▲ 25.6%
2024 · €65,287
Total assets
€196,519▲ 13.5%
2024 · €173,142
Net result
€16,702
2024 · -€3,670
Working capital
€55,646▲ 80.1%
2024 · €30,891
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,084€15,374€6,340▼ 58.8%-€3,339€26,535
Net result-€1,036within the sector's middle half€12,697within the sector's middle half€2,147within the sector's middle half▼ 83.1%-€3,670below the sector's middle half€16,702within the sector's middle half
Equity€54,113within the sector's middle half▼ 1.9%€66,810within the sector's middle half▲ 23.5%€68,957within the sector's middle half▲ 3.2%€65,287within the sector's middle half▼ 5.3%€81,989within the sector's middle half▲ 25.6%
Total assets€125,331within the sector's middle half▼ 4.0%€139,343within the sector's middle half▲ 11.2%€167,067within the sector's middle half▲ 19.9%€173,142within the sector's middle half▲ 3.6%€196,519within the sector's middle half▲ 13.5%
Debt€71,217▼ 5.5%€72,532▲ 1.8%€98,110▲ 35.3%€107,855▲ 9.9%€114,531▲ 6.2%
Working capital€10,398▲ 79.6%€23,695▲ 128%€35,973▲ 51.8%€30,891▼ 14.1%€55,646▲ 80.1%
Solvency43.2%within the sector's middle half▲ 0.9pp47.9%within the sector's middle half▲ 4.8pp41.3%within the sector's middle half▼ 6.7pp37.7%within the sector's middle half▼ 3.6pp41.7%within the sector's middle half▲ 4.0pp
Staff (FTE)0.31.5▲ 400%1.5=2.2▲ 46.7%
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26,535 after a loss of €3,339 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196,519
Fixed assets
€26,401 ▼ 26.6%
Current assets
€170,118 ▲ 24.0%
Equity and liabilities €196,519
Equity
€81,989 ▲ 25.6%
Debt
€114,531 ▲ 6.2%
Debt's share of the balance-sheet total falls from 62.3% to 58.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42,959▲
2024 · €11,879
Cash flow
€33,125▲
2024 · €11,548
Current ratio
1.49▲
2024 · 1.29
Quick ratio
1.40▲
2024 · 1.20
Debt to equity
1.40▼
2024 · 1.65
ROE
20.4%▲
2024 · -5.6%
ROA
8.5%▲
2024 · -2.1%
Interest coverage
40.46▲
2024 · 22.40
Debt ≤ 1 year
€114,472▲
2024 · €106,273
Income taxes
€8,818▲
2024 · €0
Staff costs
€115,306▲
2024 · €73,739
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2,314 | €601 | €6,137 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €2,202 | €6,830 | €46,932 | €73,739 | €115,306 | ▲ 56.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,656 | €16,752 | €13,687 | €15,218 | €16,424 | ▲ 7.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €896 | €1,768 | €7,643 | -€109 | -€241 | ▼ 121% |
| Other operating charges640/8 | €393 | €3,257 | €1,217 | €823 | €1,029 | ▲ 25.1% |
| Gross operating margin9900 | €17,062 | €43,981 | €75,819 | €86,331 | €159,053 | ▲ 84.2% |
| Operating profit (loss)9901 | -€1,084 | €15,374 | €6,340 | -€3,339 | €26,535 | ▲ 895% |
| Financial income75/76B | €160 | €11 | €575 | €199 | €47 | ▼ 76.6% |
| Recurring financial income75 | €160 | €11 | €575 | €199 | €47 | ▼ 76.6% |
| Financial charges65/66B | €244 | €835 | €523 | €530 | €1,062 | ▲ 100% |
| Recurring financial charges65 | €244 | €835 | €523 | €530 | €1,062 | ▲ 100% |
| Profit (loss) for the period before taxes9903 | -€1,168 | €14,550 | €6,393 | -€3,670 | €25,520 | ▲ 795% |
| Income taxes67/77 | -€132 | €1,852 | €4,246 | €0 | €8,818 | - |
| Profit (loss) for the period9904 | -€1,036 | €12,697 | €2,147 | -€3,670 | €16,702 | ▲ 555% |
| Profit (loss) for the period to be appropriated9905 | -€1,036 | €12,697 | €2,147 | -€3,670 | €16,702 | ▲ 555% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €125,331 | €139,343 | €167,067 | €173,142 | €196,519 | ▲ 13.5% |
| Fixed assets21/28 | €43,909 | €43,116 | €35,774 | €35,978 | €26,401 | ▼ 26.6% |
| Tangible fixed assets22/27 | €43,909 | €43,116 | €35,774 | €35,978 | €26,401 | ▼ 26.6% |
| Plant, machinery and equipment23 | €7,858 | €14,717 | €13,326 | €19,703 | €14,218 | ▼ 27.8% |
| Furniture and vehicles24 | €27,767 | €21,503 | €14,920 | €9,981 | €7,124 | ▼ 28.6% |
| Other tangible fixed assets26 | €8,285 | €6,896 | €7,528 | €6,294 | €5,059 | ▼ 19.6% |
| Current assets29/58 | €81,421 | €96,227 | €131,294 | €137,164 | €170,118 | ▲ 24.0% |
| Stocks and contracts in progress3 | - | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Stocks30/36 | - | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Amounts receivable within one year40/41 | €69,505 | €64,042 | €111,018 | €110,688 | €151,774 | ▲ 37.1% |
| Trade receivables40 | €63,991 | €55,817 | €100,409 | €99,208 | €145,572 | ▲ 46.7% |
| Other amounts receivable41 | €5,515 | €8,225 | €10,609 | €11,481 | €6,202 | ▼ 46.0% |
| Cash at bank and in hand54/58 | €11,276 | €21,395 | €8,537 | €15,186 | €6,476 | ▼ 57.4% |
| Deferred charges and accrued income490/1 | €640 | €790 | €1,738 | €1,289 | €1,868 | ▲ 44.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €125,331 | €139,343 | €167,067 | €173,142 | €196,519 | ▲ 13.5% |
| Equity10/15 | €54,113 | €66,810 | €68,957 | €65,287 | €81,989 | ▲ 25.6% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €1,860 | €1,860 | €4,007 | €4,007 | €20,707 | ▲ 417% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Other1319 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | - | - | €2,147 | €2,147 | €18,847 | ▲ 778% |
| Profit (loss) carried forward14 | €33,703 | €46,400 | €46,400 | €42,730 | €42,732 | = |
| Amounts payable17/49 | €71,217 | €72,532 | €98,110 | €107,855 | €114,531 | ▲ 6.2% |
| Amounts payable within one year42/48 | €71,024 | €72,532 | €95,320 | €106,273 | €114,472 | ▲ 7.7% |
| Trade debts44 | €25,505 | €47,099 | €63,626 | €58,420 | €62,420 | ▲ 6.8% |
| Suppliers440/4 | €25,505 | €47,099 | €63,626 | €58,420 | €62,420 | ▲ 6.8% |
| Taxes, remuneration and social security45 | €8,269 | €2,746 | €18,432 | €25,478 | €31,902 | ▲ 25.2% |
| Taxes450/3 | €6,223 | €1,646 | €9,364 | €7,838 | €15,739 | ▲ 101% |
| Remuneration and social security454/9 | €2,046 | €1,100 | €9,068 | €17,640 | €16,163 | ▼ 8.4% |
| Other amounts payable47/48 | €37,250 | €22,687 | €13,263 | €22,375 | €20,150 | ▼ 9.9% |
| Accrued charges and deferred income492/3 | €194 | €0 | €2,790 | €1,582 | €58 | ▼ 96.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,036 | €12,697 | €2,147 | -€3,670 | €16,702 | ▲ 555% |
| + Depreciation and write-downs630 | €14,656 | €16,752 | €13,687 | €15,218 | €16,424 | ▲ 7.9% |
| Operating cash flow (approximation) | €13,620 | €29,449 | €15,834 | €11,548 | €33,125 | ▲ 187% |
| Investment in fixed assets (approximation) | - | -€15,958 | -€6,345 | -€15,422 | -€6,847 | ▲ 55.6% |
| Change in cash | - | €10,119 | -€12,858 | €6,649 | -€8,710 | ▼ 231% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
17-07
State Gazette act
Resignation: LUC VANBERGEN (non-statutory director)Director discharge3 facts ▸
State Gazette act
Resignation: LUC VANBERGEN (non-statutory director)
Director discharge3 facts ▸
- General meeting, 31-01-2025
- Director resignation, LUC VANBERGEN (non-statutory director)
- Director discharge, LUC VANBERGEN
2025
31-12
Financial
Back to profitnet €16,702
Net result €16,702 after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet -€3,670
Net result drops to -€3,670, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €12,697
Net result €12,697 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €20,637 ▲36.1%
Operating result €26,666, net result €20,637, both a record.
Show earlier events
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
23-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 54 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
no sitting director, last change in 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Oreye · 1 establishment unit since 2010
Ground area
1,779 m²
Building footprint
162 m²
Volume, LiDAR
1,463 m³
Parcel 64444A0197/00Y000, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vanbergen
since 20102.193.346.776
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64444A0197/00Y000 | Wallonia | 1,779 m² | 1 · 162 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2025, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| LUC VANBERGEN |
|
Similar companies · same sector, comparable size
SHAHINE
BE 0447.101.605
Grez-Doiceau · Eq €78,557
Boeckx N
BE 0800.440.832
Beersel · Eq €78,520
J-TEAM
BE 0794.691.702
Lochristi · Eq €86,249
Ets ROBERT DUCHENE
BE 0452.489.360
Libin · Eq €77,866
Max Service
BE 0793.552.149
Nijlen · Eq €77,451
Of 497 companies in sector 95312 we hold annual accounts for 262. 170 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-11-2010
Fiscal year end31-12
Activities, NACEBEL 2025
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
71113Urban planning and landscape architecture
E-invoicing
Reachable via Peppol
Peppol ID
0208:0830831922
Also
9925:BE0830831922
Registered
28-11-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.