VANDERFILS
ActiveThe computed 12-month bankruptcy probability of VANDERFILS is 6.5% (elevated). The 2024 annual accounts show equity of €44k and a net result of €1k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 18939 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69=
Solvency31▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
6.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.07 against 1.07 in 2023; short-term debt: 93.6% and cash: 1% of total assets), and 93.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
6.4%
Return on assets
0.2%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-11-2025, 105 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
105 d late
2023
211 d late
2022
151 d late
2021
150 d late
2020
142 d late
2019
153 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€44k▲ 3.1%
2023 · €43k
2019: €15k
2020: €27k
2021: €36k
2022: €40k
2023: €43k
2019 → 2024
Total assets
€686k▲ 9.2%
2023 · €629k
2019: €197k
2020: €279k
2021: €324k
2022: €461k
2023: €629k
2019 → 2024
Net result
€1k▼ 48.2%
2023 · €3k
2019: €3k
2020: €12k
2021: €9k
2022: €5k
2023: €3k
2019 → 2024
Working capital
€43k▲ 3.8%
2023 · €41k
2019: €14k
2020: €24k
2021: €33k
2022: €38k
2023: €41k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€27k-€36k▲ 33.2%€40k▲ 12.9%€43k▲ 6.5%€44k▲ 3.1%
Operating result€15k-€11k▼ 26.6%€5k▼ 57.2%€3k▼ 39.9%€2k▼ 45.6%
Net result€12k-€9k▼ 23.9%€5k▼ 48.1%€3k▼ 43.5%€1k▼ 48.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2024 is 46% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €686k
Fixed assets
€1k▼ 13.3%
Current assets
€685k▲ 9.3%
Equity and liabilities €686k
Equity
€44k▲ 3.1%
Debt
€642k▲ 9.6%
The debt ratio rises from 93.2% to 93.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2k▼
2023 · €3k
Cash flow
€2k▼
2023 · €3k
Solvency
6.4%▼
2023 · 6.8%
Current ratio
1.07▼
2023 · 1.07
Quick ratio
1.07▼
2023 · 1.07
Debt / equity
14.57▲
2023 · 13.71
ROE
3.1%▼
2023 · 6.1%
ROA
0.2%▼
2023 · 0.4%
Interest coverage
6.31▼
2023 · 25.68
Debt
€642k▲
2023 · €586k
Debt ≤ 1 year
€642k▲
2023 · €586k
Income taxes
€504▼
2023 · €946
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€629k€686k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€214-
Plant, machinery and equipment23€214-
Financial fixed assets28€1k€1k=
Current assets29/58€627k€685k▲
Amounts receivable within one year40/41€622k€678k▲
Trade receivables40€16k€231▼
Other amounts receivable41€606k€678k▲
Cash at bank and in hand54/58€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€629k€686k▲
Equity10/15€43k€44k▲
Contributions10/11€12k€12k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€29k€30k▲
Amounts payable17/49€586k€642k▲
Amounts payable within one year42/48€586k€642k▲
Trade debts44€545k€609k▲
Suppliers440/4€545k€609k▲
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€10k€6k▼
Other amounts payable47/48€30k€27k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€286€214▼
Other operating charges640/8€1k-
Gross operating margin9900€5k€2k▼
Operating profit (loss)9901€3k€2k▼
Financial income75/76B€752€548▼
Recurring financial income75€752€548▼
Financial charges65/66B€125€285▲
Recurring financial charges65€125€285▲
Profit (loss) for the period before taxes9903€4k€2k▼
Income taxes67/77€946€504▼
Profit (loss) for the period9904€3k€1k▼
Profit (loss) for the period to be appropriated9905€3k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€30k▲
Profit (loss) brought forward from the previous period14P€27k€29k▲
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
2025
13-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 105 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 211 days late
2024
31-12
Financial
Weakest financial yearnet €1k ▼48.2%
Net result drops to €1k, the lowest in the series.
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 151 days late
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 150 days late
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 142 days late
2020
31-12
Financial
Highest result since 2019net €12k ▲341%
Operating result €15k, net result €12k, both a record.
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 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, Ciney · 3 establishment units since 2019
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.
Avenue Schlogel 825590 CineyGround area
6,350 m²
Building footprint
1,344 m²
Volume, LiDAR
2,685 m³
4 parcels, Wallonia · tallest building 20.4 m, ±6 floors. Linked by address, not a title deed.
3 establishment units
Rue du Onze Février 3, 5590 Ciney
since 20192.291.229.773
Avenue Winston-Churchill 37, 5500 Dinant
since 20192.291.230.169
Rue du zoning de Biron 3, 5590 Ciney
since 20192.291.230.466
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030B0245/00P002 | Wallonia | 4,699 m² | 1 · 890 m² | - |
| 91030C0612/00V003 | Wallonia | 1,008 m² | 1 · 269 m² | - |
| 91034G0376/00W000 | Wallonia | 421 m² | 1 · 154 m² | 20.4 m · 6 fl. |
| 91030A0366/00E003 | Wallonia | 222 m² | 1 · 31 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesCiney2.291.229.773
Dinant2.291.230.169
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,783. 8,432 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-01-2019
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.