VANDIERENDONCK VERZEKERINGEN
ActiveVANDIERENDONCK VERZEKERINGEN has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.40M and a net result of €972k. Equity is growing by ~19% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+12
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 10.81 against 7.59 in 2024; short-term debt: 9.2% and cash: 23.5% of total assets), and 9.2% 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 · 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
90.8%
Return on assets
36.7%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filingsDeviation from the deadline
2025
28 d late
2024
8 d early
2023
28 d late
2022
25 d late
2021
18 d late
2020
46 d early
2019
13 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.40M▲ 68.0%
2024 · €1.43M
2018: €502k
2019: €641k
2020: €773k
2021: €880k
2022: €1.05M
2023: €1.18M
2024: €1.43M
2018 → 2025
Total assets
€2.65M▲ 60.9%
2024 · €1.64M
2018: €749k
2019: €932k
2020: €1.03M
2021: €1.16M
2022: €1.37M
2023: €1.51M
2024: €1.64M
2018 → 2025
Net result
€972k▲ 294%
2024 · €247k
2018: €67k
2019: €174k
2020: €169k
2021: €167k
2022: €221k
2023: €212k
2024: €247k
2018 → 2025
Working capital
€2.40M▲ 69.4%
2024 · €1.42M
2018: €124k
2019: €343k
2020: €552k
2021: €735k
2022: €975k
2023: €1.15M
2024: €1.42M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€880k-€1.05M▲ 18.9%€1.18M▲ 13.0%€1.43M▲ 20.9%€2.40M▲ 68.0%
Operating result€247k-€313k▲ 26.7%€309k▼ 1.4%€354k▲ 14.6%€1.39M▲ 293%
Net result€167k-€221k▲ 32.7%€212k▼ 4.1%€247k▲ 16.5%€972k▲ 294%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 293% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.65M
Fixed assets
€1k▼ 91.8%
Current assets
€2.65M▲ 62.1%
Equity and liabilities €2.65M
Equity
€2.40M▲ 68.0%
Debt
€245k▲ 14.0%
The debt ratio falls from 13.1% to 9.2%. Equity and debt are higher.
Key figures and ratios
Solvency
90.8%▲
2024 · 86.9%
Current ratio
10.81▲
2024 · 7.59
Quick ratio
10.81▲
2024 · 7.59
Debt / equity
0.10▼
2024 · 0.15
ROE
40.5%▲
2024 · 17.3%
ROA
36.7%▲
2024 · 15.0%
Debt
€245k▲
2024 · €215k
Debt ≤ 1 year
€245k▲
2024 · €215k
Income taxes
€458k▲
2024 · €115k
Staff costs
€214k▼
2024 · €301k
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€1.64M€2.65M▲
Fixed assets21/28€13k€1k▼
Tangible fixed assets22/27€12k-
Furniture and vehicles24€12k-
Financial fixed assets28€1k€1k=
Current assets29/58€1.63M€2.65M▲
Amounts receivable within one year40/41€7k€232k▲
Other amounts receivable41€7k€232k▲
Current investments50/53€792k€1.79M▲
Cash at bank and in hand54/58€831k€621k▼
Deferred charges and accrued income490/1€2k€615▼
Equity and liabilities
Total equity and liabilities10/49€1.64M€2.65M▲
Equity10/15€1.43M€2.40M▲
Contributions10/11€240k€240k=
Reserves13€1.19M€2.16M▲
Distributable reserves133€1.19M€2.16M▲
Amounts payable17/49€215k€245k▲
Amounts payable within one year42/48€215k€245k▲
Trade debts44€17k€784▼
Suppliers440/4€17k€784▼
Taxes, remuneration and social security45€32k€42k▲
Taxes450/3-€42k
Remuneration and social security454/9€32k-
Other amounts payable47/48€165k€202k▲
Income statement
Code20242025
Non-recurring operating income76A-€1.08M
Remuneration, social security and pensions62€301k€214k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k-
Other operating charges640/8€4k€4k▲
Gross operating margin9900€694k€1.61M▲
Operating profit (loss)9901€354k€1.39M▲
Financial income75/76B€24k€53k▲
Recurring financial income75€24k€53k▲
Financial charges65/66B€16k€14k▼
Recurring financial charges65€16k€14k▼
Profit (loss) for the period before taxes9903€362k€1.43M▲
Income taxes67/77€115k€458k▲
Profit (loss) for the period9904€247k€972k▲
Profit (loss) for the period to be appropriated9905€247k€972k▲
Appropriation of the result
Profit (loss) to be appropriated9906€247k€972k▲
Transfer to equity691/2€247k€972k▲
To other reserves6921€247k€972k▲
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €972k ▲294%
Operating result €1.39M, net result €972k, both a record.
31-12
Financial
Equity above €2MEq €2.40M ▲68%
8 profitable years in a row build equity to €2.40M.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €1MEq €1.05M ▲18.9%
5 profitable years in a row build equity to €1.05M.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Wevelgem · 1 establishment unit since 2013
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.
Grote Markt 208560 WevelgemGround area
716 m²
Building footprint
652 m²
Volume, LiDAR
5,541 m³
Parcel 34041C0422/00E000, Flanders · tallest building 17.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KBC Verzekeringen Vandierendonck
since 20132.215.745.561
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34041C0422/00E000 | Flanders | 716 m² | 1 · 652 m² | 17.4 m · 2 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2013
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.