VANDERCAM B-E
ActiveSummary
VANDERCAM B-E has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €471,288 and a net result of €200,992, of which €219,692 non-recurring income. Equity is growing by about 14% per year across the filed financial years. Its solvency ranks better than 95% of 3,266 sector peers (NACE 95, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- €471,288
- Profit
- €200,992
Why 99raises riskLast filed accounts filed 30 days late; 2 of the last 3 latelowers riskLiquidity: current ratio 13.46, cash €457,954Equity €471,288 (92.9% of total assets)Founded in 2012Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro): better than 92% on solvency, 98% on liquidity, 94% on profitability and 89% on growth.
The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 99 days after the deadline; the sector median (NACE 95) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Highest result from 2018 to 2025net €200,992 ▲257%
- Liquidity more than triplescurrent ratio 13.46
Financials · financial year 2025, micro format
2025 annual accounts filed late (30 days) Filed on 30 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00453200.
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is over 3.5 times 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 96.5% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 17,811 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | €37,120 | €219,692 | ▲ 492% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,488 | €26,465 | €28,674 | €30,368 | €16,931 | €26,342 | €4,796 | €841 | ▼ 82.5% |
| Other operating charges640/8 | - | - | - | €802 | €954 | €2,860 | €4,587 | €4,389 | ▼ 4.3% |
| Non-recurring operating charges66A | - | - | - | - | - | - | €5,277 | €3,121 | ▼ 40.9% |
| Gross operating margin9900 | €56,811 | €47,737 | €53,759 | €66,850 | €49,574 | €42,108 | €97,869 | €303,246 | ▲ 210% |
| Operating profit (loss)9901 | €29,420 | €20,619 | €24,445 | €35,681 | €31,690 | €12,905 | €83,209 | €294,895 | ▲ 254% |
| Financial income75/76B | - | - | - | €4 | €148 | €188 | €259 | €2,089 | ▲ 706% |
| Recurring financial income75 | €115 | €112 | €25 | €4 | €148 | €188 | €259 | €2,089 | ▲ 706% |
| Financial charges65/66B | - | - | - | €1,599 | €723 | €218 | €817 | €1,444 | ▲ 76.7% |
| Recurring financial charges65 | €3,453 | €2,791 | €2,180 | €1,599 | €723 | €218 | €817 | €1,444 | ▲ 76.7% |
| Profit (loss) for the period before taxes9903 | €26,082 | €17,940 | €22,290 | €34,086 | €31,115 | €12,874 | €82,651 | €295,541 | ▲ 258% |
| Income taxes67/77 | €7,099 | €6,307 | €4,291 | €10,096 | €6,491 | €4,096 | €26,327 | €94,548 | ▲ 259% |
| Profit (loss) for the period9904 | €18,983 | €11,633 | €17,999 | €23,991 | €24,624 | €8,778 | €56,324 | €200,992 | ▲ 257% |
| Profit (loss) for the period to be appropriated9905 | €18,983 | €11,633 | €17,999 | €23,991 | €24,624 | €8,778 | €56,324 | €200,992 | ▲ 257% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €254,663 | €240,994 | €243,261 | €274,450 | €309,827 | €245,361 | €310,952 | €507,308 | ▲ 63.1% |
| Fixed assets21/28 | €136,540 | €112,684 | €103,817 | €75,104 | €118,173 | €147,760 | €152,413 | €22,644 | ▼ 85.1% |
| Intangible fixed assets21 | €2,033 | €1,355 | €678 | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €134,507 | €111,329 | €103,140 | €75,104 | €118,173 | €147,760 | €152,413 | €22,644 | ▼ 85.1% |
| Land and buildings22 | - | - | - | €50,989 | €48,195 | €61,346 | €61,346 | - | - |
| Plant, machinery and equipment23 | - | - | - | €15,615 | €69,979 | €56,172 | €71,585 | €3,162 | ▼ 95.6% |
| Furniture and vehicles24 | - | - | - | €8,500 | - | €30,243 | €19,482 | €19,482 | = |
| Current assets29/58 | €118,123 | €128,310 | €139,444 | €199,345 | €191,654 | €97,601 | €158,539 | €484,664 | ▲ 206% |
| Amounts receivable within one year40/41 | €25,816 | €17,184 | €41,557 | €117,872 | €64,513 | €45,608 | €12,864 | €26,710 | ▲ 108% |
| Trade receivables40 | - | - | - | €102,247 | €48,632 | €23,504 | €1,960 | €26,710 | ▲ 14× |
| Other amounts receivable41 | - | - | - | €15,626 | €15,881 | €22,104 | €10,904 | - | - |
| Current investments50/53 | - | - | - | - | - | - | €100,000 | - | - |
| Cash at bank and in hand54/58 | €90,212 | €108,989 | €95,713 | €80,207 | €125,615 | €51,703 | €45,426 | €457,954 | ▲ 908% |
| Deferred charges and accrued income490/1 | - | - | - | €1,266 | €1,526 | €290 | €249 | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €254,663 | €240,994 | €243,261 | €274,450 | €309,827 | €245,361 | €310,952 | €507,308 | ▲ 63.1% |
| Equity10/15 | €127,508 | €139,141 | €157,140 | €181,130 | €205,754 | €213,971 | €270,295 | €471,288 | ▲ 74.4% |
| Contributions10/11 | €60,000 | €60,000 | - | €60,000 | €60,000 | €60,000 | €60,000 | €60,000 | = |
| Reserves13 | €67,508 | €79,008 | €96,882 | €120,873 | €145,496 | €153,971 | €210,295 | €411,288 | ▲ 95.6% |
| Non-distributable reserves130/1 | - | - | - | €6,000 | €6,000 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €6,000 | €6,000 | - | - | - | - |
| Distributable reserves133 | - | - | - | €114,873 | €139,496 | €153,971 | €210,295 | €411,288 | ▲ 95.6% |
| Profit (loss) carried forward14 | - | €133 | €258 | €258 | €258 | - | - | - | - |
| Amounts payable17/49 | €127,155 | €101,854 | €86,121 | €93,320 | €104,073 | €31,390 | €40,656 | €36,020 | ▼ 11.4% |
| Amounts payable after more than one year17 | €49,500 | €33,000 | €16,500 | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €77,655 | €68,854 | €69,621 | €93,320 | €104,073 | €31,390 | €40,656 | €36,020 | ▼ 11.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €16,500 | - | - | - | - | - |
| Trade debts44 | €14,003 | €2,466 | €6,401 | €16,846 | €54,831 | €11,458 | €10,162 | €3,368 | ▼ 66.9% |
| Suppliers440/4 | - | - | - | €16,846 | €54,831 | €11,458 | €10,162 | €3,368 | ▼ 66.9% |
| Taxes, remuneration and social security45 | - | - | - | €15,538 | €3,915 | €955 | €9,837 | €9,014 | ▼ 8.4% |
| Taxes450/3 | - | - | - | €15,538 | €3,915 | €955 | €9,837 | €9,014 | ▼ 8.4% |
| Other amounts payable47/48 | - | - | - | €44,435 | €45,326 | €18,976 | €20,657 | €23,638 | ▲ 14.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,983 | €11,633 | €17,999 | €23,991 | €24,624 | €8,778 | €56,324 | €200,992 | ▲ 257% |
| + Depreciation and write-downs630 | €26,488 | €26,465 | €28,674 | €30,368 | €16,931 | €26,342 | €4,796 | €841 | ▼ 82.5% |
| Operating cash flow (approximation) | €45,471 | €38,098 | €46,673 | €54,359 | €41,555 | €35,120 | €61,120 | €201,833 | ▲ 230% |
| Investment in fixed assets (approximation) | - | -€2,610 | -€19,808 | -€1,655 | -€60,000 | -€55,929 | -€9,448 | €128,928 | - |
| Change in cash | - | €18,776 | -€13,276 | -€15,505 | €45,407 | -€73,912 | -€6,277 | €412,528 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 14 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 30-08-2026 | 2026-00453200 |
| 31-12-2024 | micro format | 30-09-2025 | 2025-00515945 |
| 31-12-2023 | micro format | 01-04-2025 | 2025-00059624 |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00392987 |
| 31-12-2021 | micro format | 27-01-2023 | 2023-00006120 |
| 31-12-2020 | full format | 29-09-2021 | 2021-69400600 |
| 31-12-2019 | full format | 29-10-2020 | 2020-67100465 |
| 31-12-2018 | full format | 25-08-2019 | 2019-50400584 |
| 31-12-2017 | full format | 29-08-2018 | 2018-52600436 |
| 31-12-2016 | full format | 26-07-2017 | 2017-36400215 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Chantal LONGREE |
|
| Bernard VANDERCAM |
|
Owners and capital
Capital and shareholders
- 17-10-2023 Converted to unavailable equity
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
17-10
Gazette deed
Resignations: Bernard VANDERCAM (manager) and Chantal LONGREE (manager)Appointment: Chantal LONGREE (director) · Purpose change · Amendment of the articles14 facts ▸
- General meeting, 13-10-2023
- Other provision, “rapport objet social” (deed in French)
- Purpose change
- Amendment of the articles (2 times)
- Capital conversion, “comptes de capitaux propres statutairement indisponibles” (deed in French)
- Reserve release, “suppression, rendre fonds disponibles pour distribution” (deed in French)
- Director resignation, Bernard VANDERCAM (manager)
- Director discharge, Bernard VANDERCAM (manager)
- Director resignation, Chantal LONGREE (manager)
- Board rule, 1, “assemblée générale” (deed in French)
- Director appointment, Chantal LONGREE (director (not named in the articles))
- Registered office clause, “maintien du siège social, 5570 Beauraing,rue de Rochefort 194” (deed in French)
- +2 further facts in this act
Show earlier events
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 91013A0986/00G000 | Wallonia | 999 m² | 1 · 104 m² | - |
How the parcels are linked
Articles of association
What the company does
- Name clauseThe name the company operates under according to its articles.
- VANDERCAM B-E
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Nommés avec ou sans limitation de durée, organe d'administration” (deed in French)“Montant rémunération fixe ou proportionnelle, décide si mandat d'administrateur exercé gratuitement ou non” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, registre des actions nominatives” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Tous frais de procédure éventuelle et expertise pour moitié à charge de chaque partie, organe d'administration” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Wednesday of June
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “En tout temps par décision assemblée générale délibérant dans formes prévues pour modifications aux statuts” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Dissolution pour quelque cause et à quelque moment que ce soit, faculté assemblée générale de désigner un ou plusieurs liquidateurs et…” (deed in French)