VANDERCOILDEN FRANS
ActiveVANDERCOILDEN FRANS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €297k and a net result of €23k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+19
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 10.52 against 11.34 in 2024; short-term debt: 9.5% and cash: 6.3% of total assets), and 9.5% 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
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
90.5%
Return on assets
7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
6 d early
2023
60 d late
2022
32 d late
2021
79 d late
2020
31 d late
2019
92 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€297k▲ 8.4%
2024 · €274k
2018: €222k
2019: €218k
2020: €221k
2021: €220k
2022: €229k
2023: €248k
2024: €274k
2018 → 2025
Total assets
€329k▲ 9.2%
2024 · €301k
2018: €249k
2019: €249k
2020: €249k
2021: €248k
2022: €255k
2023: €277k
2024: €301k
2018 → 2025
Net result
€23k▼ 12.1%
2024 · €26k
2018: €-15k
2019: €-4k
2020: €3k
2021: €-1k
2022: €9k
2023: €19k
2024: €26k
2018 → 2025
Working capital
€297k▲ 8.1%
2024 · €274k
2018: €217k
2019: €215k
2020: €220k
2021: €219k
2022: €228k
2023: €248k
2024: €274k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€220k-€229k▲ 3.9%€248k▲ 8.5%€274k▲ 10.6%€297k▲ 8.4%
Operating result€-1k-€9k€19k▲ 122%€28k▲ 43.0%€25k▼ 10.3%
Net result€-1k-€9k€19k▲ 128%€26k▲ 35.1%€23k▼ 12.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329k
Fixed assets
€791▲ 5,045%
Current assets
€328k▲ 8.9%
Equity and liabilities €329k
Equity
€297k▲ 8.4%
Debt
€31k▲ 17.4%
The debt ratio rises from 8.8% to 9.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k
Cash flow
€23k
Solvency
90.5%▼
2024 · 91.2%
Current ratio
10.52▼
2024 · 11.34
Quick ratio
10.33▼
2024 · 11.08
Debt / equity
0.10▲
2024 · 0.10
ROE
7.7%▼
2024 · 9.6%
ROA
7.0%▼
2024 · 8.7%
Interest coverage
109.84
Debt
€31k▲
2024 · €27k
Debt ≤ 1 year
€31k▲
2024 · €27k
Income taxes
€8k▼
2024 · €8k
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€301k€329k▲
Fixed assets21/28€15€791▲
Tangible fixed assets22/27-€775
Plant, machinery and equipment23-€775
Financial fixed assets28€15€15=
Current assets29/58€301k€328k▲
Stocks and contracts in progress3€7k€6k▼
Stocks30/36€7k€6k▼
Amounts receivable within one year40/41€6k€7k▲
Trade receivables40€6k€6k▲
Other amounts receivable41€539€642▲
Current investments50/53€275k€290k▲
Cash at bank and in hand54/58€9k€21k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€301k€329k▲
Equity10/15€274k€297k▲
Contributions10/11€19k€19k=
Reserves13€16k€16k=
Tax-exempt reserves132€15k€15k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€239k€262k▲
Amounts payable17/49€27k€31k▲
Amounts payable within one year42/48€27k€31k▲
Trade debts44€652€4k▲
Suppliers440/4€652€4k▲
Taxes, remuneration and social security45€26k€28k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€23k€24k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€248
Other operating charges640/8€2k€2k▲
Gross operating margin9900€29k€27k▼
Operating profit (loss)9901€28k€25k▼
Financial income75/76B€7k€6k▼
Recurring financial income75€7k€6k▼
Financial charges65/66B€161€227▲
Recurring financial charges65€161€227▲
Profit (loss) for the period before taxes9903€34k€31k▼
Income taxes67/77€8k€8k▼
Profit (loss) for the period9904€26k€23k▼
Profit (loss) for the period to be appropriated9905€26k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€239k€262k▲
Profit (loss) brought forward from the previous period14P€213k€239k▲
The notes to these accounts (6 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €26k ▲35.1%
Operating result €28k, net result €26k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 75 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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 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, Ronse · 1 establishment unit since 1988
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.
Ninovestraat 1289600 RonseGround area
42 m²
Building footprint
42 m²
Volume, LiDAR
152 m³
Parcel 45041B0718/00G004, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Ninovestraat 128, 9600 Ronse
since 19882.034.024.672
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041B0718/00G004 | Flanders | 42 m² | 1 · 42 m² | 9.1 m · 1 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
MOBIMAX
BE 0699.510.649
Hooglede · Eq €298k
INTERNATIONAL CAR TRADING
BE 0535.640.136
Elsene · Eq €298k
CAR ZONE
BE 0479.837.422
Aarschot · Eq €299k
A.C.S. SIMONS RONNY
BE 0474.263.583
Lommel · Eq €299k
Autohandel Legein Frank
BE 0806.829.865
Koksijde · Eq €300k
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 719 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-1988
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
50101
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
50103
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.