VANDERFIL
ActiveVANDERFIL has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €655k and a net result of €16k. Equity is shrinking by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability12▲+12
Solvency5=
Growth58=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity short (current ratio 0.1 against 0.04 in 2023), and 91.8% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
8.2%
Return on assets
0.2%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
61 d early
2022
3 d late
2021
31 d early
2020
2 d late
2019
45 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€655k▲ 2.5%
2023 · €639k
2019: €981k
2020: €951k
2021: €781k
2022: €677k
2023: €639k
2019 → 2024
Total assets
€7.95M▼ 1.8%
2023 · €8.10M
2019: €8.99M
2020: €8.85M
2021: €8.54M
2022: €8.34M
2023: €8.10M
2019 → 2024
Net result
€16k
2023 · €-38k
2019: €-136k
2020: €-29k
2021: €-170k
2022: €-104k
2023: €-38k
2019 → 2024
Working capital
€-728k▼ 7.1%
2023 · €-680k
2019: €-538k
2020: €-556k
2021: €-716k
2022: €-608k
2023: €-680k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€951k-€781k▼ 17.9%€677k▼ 13.3%€639k▼ 5.7%€655k▲ 2.5%
Operating result€121k-€-24k€39k€100k▲ 155%€149k▲ 50.0%
Net result€-29k-€-170k▼ 479%€-104k▲ 38.9%€-38k▲ 63.0%€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 50% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €7.95M
Fixed assets
€7.87M▼ 2.4%
Current assets
€80k▲ 169%
Equity and liabilities €7.95M
Equity
€655k▲ 2.5%
Debt
€7.30M▼ 2.2%
The debt ratio falls from 92.1% to 91.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€382k▲
2023 · €332k
Cash flow
€249k▲
2023 · €194k
Solvency
8.2%▲
2023 · 7.9%
Current ratio
0.10▲
2023 · 0.04
Quick ratio
0.10▲
2023 · 0.04
Debt / equity
11.14▼
2023 · 11.67
ROE
2.5%▲
2023 · -6.0%
ROA
0.2%▲
2023 · -0.5%
Interest coverage
2.87▲
2023 · 2.40
Debt
€7.30M▼
2023 · €7.46M
Debt ≤ 1 year
€808k▲
2023 · €710k
Debt > 1 year
€6.48M▼
2023 · €6.74M
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€8.10M€7.95M▼
Formation expenses20€0-
Fixed assets21/28€8.07M€7.87M▼
Tangible fixed assets22/27€8.07M€7.87M▼
Land and buildings22€8.05M€7.86M▼
Assets under construction and advance payments27€16k€16k=
Current assets29/58€30k€80k▲
Amounts receivable within one year40/41€15k€16k▲
Trade receivables40€14k€16k▲
Other amounts receivable41€386€451▲
Cash at bank and in hand54/58€13k€61k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€8.10M€7.95M▼
Equity10/15€639k€655k▲
Contributions10/11€1.12M€1.12M=
Profit (loss) carried forward14€-478k€-462k▲
Amounts payable17/49€7.46M€7.30M▼
Amounts payable after more than one year17€6.74M€6.48M▼
Financial debts170/4€1.78M€1.60M▼
Other amounts payable178/9€4.96M€4.88M▼
Amounts payable within one year42/48€710k€808k▲
Current portion of amounts payable after more than one year42€262k€261k▼
Trade debts44€13k€13k▲
Suppliers440/4€13k€13k▲
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€12k€14k▲
Other amounts payable47/48€424k€520k▲
Accrued charges and deferred income492/3€12k€15k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€232k€233k▲
Other operating charges640/8€28k€29k▲
Gross operating margin9900€360k€412k▲
Operating profit (loss)9901€100k€149k▲
Financial income75/76B€0€81▲
Recurring financial income75€0€81▲
Financial charges65/66B€138k€133k▼
Recurring financial charges65€138k€133k▼
Profit (loss) for the period before taxes9903€-38k€16k▲
Profit (loss) for the period9904€-38k€16k▲
Profit (loss) for the period to be appropriated9905€-38k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-478k€-462k▲
Profit (loss) brought forward from the previous period14P€-440k€-478k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 5 loss-making years.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-170k
Net result drops to €-170k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schaarbeek · 1 establishment unit since 2018
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.
Frédéric Pelletierstraat 891030 SchaarbeekGround area
293 m²
Building footprint
139 m²
Volume, LiDAR
1,634 m³
Parcel 21911C0143/00T012, Brussels · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Frédéric Pelletierstraat 89, 1030 Schaarbeek
since 20182.282.176.606
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0143/00T012 | Brussels | 293 m² | 1 · 139 m² | 14.0 m · 4 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
BAYARD INVEST
BE 0860.927.359
Brussel · Eq €655k
MARE
BE 0432.834.982
Aarschot · Eq €655k
SOLID'AIR
BE 0543.826.936
Herstal · Eq €655k
BELIVER
BE 0876.977.295
Ternat · Eq €655k
LILLE STABLES
BE 0837.418.420
Leuven · Eq €655k
Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 4,980 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2018
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.