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VANDEWAERDE

Active
Public limited companyfounded 199531 yrs activeHamonterweg 144, 3950 Bocholt, BelgiumKBO/BCE: BE 0454.891.002
Summary

VANDEWAERDE has been active since 1995 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €60,552 and a net result of €534. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 66% of 4473 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
VANDEWAERDEActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811NACE 45113NACE 50103
1 site
Size
€22,790turnover 2025
Equity
€60,552
Profit
€534
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Accounts filed 30 d late
Why 85- Latest accounts 30 days late; 2 of the last 3 late- Ex-officio strike-off in the KBO+ Founded in 1995+ Liquidity: current ratio 2.47, cash €46,881Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 76+1
equity 50.7% of total assets
Liquidity 83+4
short-term debt 36.4% · cash 39.3%
Profitability 79+16
return on assets 0.4%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,898 companies)
Last 23 months 12-2024: 0.5% 01-2025: 0.5%▲ +2.5% vs 12-2024 02-2025: 0.5%▲ +1.2% vs 01-2025 03-2025: 0.5%▼ -1.6% vs 02-2025 04-2025: 0.5%▲ +2.3% vs 03-2025 05-2025: 0.5%▼ -1.2% vs 04-2025 06-2025: 0.4%▼ -9.4% vs 05-2025 07-2025: 0.5%▲ +9.4% vs 06-2025 08-2025: 0.7%▲ +39.0% vs 07-2025 09-2025: 0.8%▲ +13.3% vs 08-2025 10-2025: 1.1%▲ +39.8% vs 09-2025highest value 11-2025: 0.6%▼ -46.9% vs 10-2025 12-2025: 0.6%● 0.0% vs 11-2025 01-2026: 0.6%▲ +2.6% vs 12-2025 02-2026: 0.6%▲ +1.2% vs 01-2026 03-2026: 0.6%▼ -1.7% vs 02-2026 04-2026: 0.6%▲ +2.2% vs 03-2026 05-2026: 0.6%▼ -1.2% vs 04-2026 06-2026: 0.5%▼ -10.1% vs 05-2026 07-2026: 0.6%▲ +4.9% vs 06-2026 08-2026: 0.8%▲ +41.7% vs 07-2026 09-2026: 0.4%▼ -43.7% vs 08-2026 10-2026: 0.4%▼ -12.0% vs 09-2026lowest value
  • Latest accounts 30 days late; 2 of the last 3 late raises the probability
  • Founded in 1995 lowers the probability for this profile
  • Liquidity: current ratio 2.47, cash €46,881 lowers the probability
  • Ex-officio strike-off in the KBO raises the probability
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.47 against 2.41 in 2024; short-term debt: 36.4% and cash: 39.3% of total assets), and 49.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 65%, liquidity 86%, profitability 69%, growth against the median 25%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 30 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Founded in 1995
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 2.47, cash €46,881
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Ex-officio strike-off in the KBO
In the bankruptcy model this factor raises the probability.
KBO publications
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 filings
Deviation from the deadline
2025
30 d late
2024
59 d late
2023
61 d late
2022
184 d late
2021
176 d late
2020
183 d late
2019
117 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 116 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
UBO non-compliance
Checked, nothing found (1)
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. Usually files around 1 October (4 of the last 5 filed years within 114 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Caution: Among the weakest 19% on equitysector median €434,412 · 4,474 companies €60,552 View
  • Active since 1995founded 03-04-1995 31 years View
  • Turnover 20256 fiscal years filed €22,790 View

By topic

Financials

Fiscal year
2025
Turnover
€22,790
Profit
€534
Solvency
50.7%
Turnover▼ 35.8%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2018
Next accounts
by 31-07-2027
  1. 30-08-2026Annual accounts filed
  2. 28-09-2025Annual accounts filed
  3. 30-09-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
03-04-1995
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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