Vandenbergh
ActiveVandenbergh has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €16k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 59% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+43
Solvency80▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 2.71 in 2024; short-term debt: 32.5% and cash: 0.7% of total assets), and 45.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
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
54.9%
Return on assets
6.3%
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
3 d early
2023
1 d early
2022
7 d late
2021
29 d late
2020
24 d late
2019
3 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 12.9%
2024 · €123k
2018: €115k
2019: €90k
2020: €61k
2021: €83k
2022: €108k
2023: €133k
2024: €123k
2018 → 2025
Total assets
€252k▲ 16.1%
2024 · €217k
2018: €183k
2019: €169k
2020: €157k
2021: €142k
2022: €199k
2023: €220k
2024: €217k
2018 → 2025
Net result
€16k
2024 · €-11k
2018: €-4k
2019: €-26k
2020: €-28k
2021: €22k
2022: €25k
2023: €25k
2024: €-11k
2018 → 2025
Working capital
€104k▲ 15.0%
2024 · €91k
2018: €9k
2019: €6k
2020: €-16k
2021: €4k
2022: €35k
2023: €54k
2024: €91k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€108k▲ 30.1%€133k▲ 23.4%€123k▼ 7.9%€138k▲ 12.9%
Operating result€28k-€33k▲ 17.9%€37k▲ 10.7%€-7k€21k
Net result€22k-€25k▲ 15.4%€25k▲ 0.9%€-11k€16k
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: €21k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252k
Fixed assets
€66k▼ 10.0%
Current assets
€186k▲ 29.4%
Equity and liabilities €252k
Equity
€138k▲ 12.9%
Debt
€114k▲ 20.2%
The debt ratio rises from 43.5% to 45.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▲
2024 · €519
Cash flow
€23k▲
2024 · €-3k
Solvency
54.9%▼
2024 · 56.5%
Current ratio
2.27▼
2024 · 2.71
Quick ratio
2.27▼
2024 · 2.71
Debt / equity
0.82▲
2024 · 0.77
ROE
11.4%▲
2024 · -8.6%
ROA
6.3%▲
2024 · -4.9%
Interest coverage
3.54▲
2024 · 0.06
Debt
€114k▲
2024 · €95k
Debt ≤ 1 year
€82k▲
2024 · €53k
Debt > 1 year
€32k▼
2024 · €41k
Income taxes
€4k▲
2024 · €389
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€217k€252k▲
Fixed assets21/28€73k€66k▼
Tangible fixed assets22/27€73k€66k▼
Land and buildings22€69k€64k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€144k€186k▲
Amounts receivable within one year40/41€140k€181k▲
Trade receivables40€42k€15k▼
Other amounts receivable41€98k€166k▲
Cash at bank and in hand54/58€2k€2k=
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€217k€252k▲
Equity10/15€123k€138k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Share premium1100/10€19k-
Reserves13€110k€120k▲
Distributable reserves133€110k€120k▲
Profit (loss) carried forward14€-6k-
Amounts payable17/49€95k€114k▲
Amounts payable after more than one year17€41k€32k▼
Financial debts170/4€41k€32k▼
Amounts payable within one year42/48€53k€82k▲
Current portion of amounts payable after more than one year42€16k€29k▲
Financial debts43€25k€39k▲
Credit institutions430/8€25k€39k▲
Trade debts44€10k€13k▲
Suppliers440/4€10k€13k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€4k€29k▲
Operating profit (loss)9901€-7k€21k▲
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€-10k€19k▲
Income taxes67/77€389€4k▲
Profit (loss) for the period9904€-11k€16k▲
Profit (loss) for the period to be appropriated9905€-11k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€10k▲
Profit (loss) brought forward from the previous period14P€5k€-6k▼
Transfer to equity691/2-€10k
To other reserves6921-€10k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €25k ▲0.9%
Operating result €37k, net result €25k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Equity above €100kEq €108k ▲30.1%
2 profitable years in a row build equity to €108k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €22k
Net result €22k after 3 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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, Holsbeek · 1 establishment unit since 1989
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.
Leuvensebaan 2883220 HolsbeekGround area
1,754 m²
Building footprint
248 m²
Volume, LiDAR
1,876 m³
2 parcels, Flanders · tallest building 14.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Baron August de Becker-Remyplein 8, 3010 Leuven
since 19892.044.651.815
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24043F0007/00C002 | Flanders | 1,364 m² | 1 · 153 m² | 9.6 m · 2 fl. |
| 24482F0261/00S008 | Flanders | 391 m² | 1 · 94 m² | 14.5 m · 3 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.
Similar companies · same sector, comparable size
FINIKA
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DECORATIE EN SERVICE
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CMZA
BE 0413.561.973
Knokke-Heist · Eq €138k
PARQUETS DUGO
BE 0446.626.008
Jette · Eq €139k
DAN PARKET+
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Of 746 companies in sector 43332 we hold annual accounts for 411. 351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-1989
Fiscal year end31-12
Activities, NACEBEL
43332Laying of wooden floor and wall coverings
45432
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.