VANDIM2
ActiveSummary
VANDIM2 has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €998k and a net result of €47k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 95% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 12.71 against 13.19 in 2024; short-term debt: 4.5% and cash: 7.4% of total assets), and 4.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2025Solvency, return and age of the figures
Solvency
95.4%
Return on assets
4.5%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
29 d early
2023
30 d early
2022
18 d late
2021
27 d early
2020
17 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€47k▼ 0.6%
2024 · €47k
2018: €73k
2019: €150k
2020: €69k
2021: €143k
2022: €355k
2023: €58k
2024: €47k
2018 → 2025
Working capital
€547k▲ 4.4%
2024 · €524k
2018: €471k
2019: €574k
2020: €198k
2021: €296k
2022: €517k
2023: €500k
2024: €524k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€671k-€976k▲ 45.4%€984k▲ 0.9%€991k▲ 0.7%€998k▲ 0.7%
Operating result€59k-€58k▼ 1.4%€47k▼ 18.9%€36k▼ 23.3%€38k▲ 6.0%
Net result€143k-€355k▲ 147%€58k▼ 83.5%€47k▼ 19.2%€47k▼ 0.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€453k ▼ 3.4%
Current assets
€594k ▲ 4.7%
Equity and liabilities €1.05M
Equity
€998k ▲ 0.7%
Debt
€48k ▲ 8.3%
Debt's share of the balance-sheet total rises from 4.3% to 4.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €52k
Cash flow
€63k▼
2024 · €64k
Current ratio
12.71▼
2024 · 13.19
Debt to equity
0.05▲
2024 · 0.04
ROE
4.7%▼
2024 · 4.8%
ROA
4.5%▼
2024 · 4.6%
Interest coverage
178.02▼
2024 · 190.69
Debt ≤ 1 year
€47k▲
2024 · €43k
Debt > 1 year
€2k=
2024 · €2k
Income taxes
€2k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.04M€1.05M▲
Fixed assets21/28€469k€453k▼
Tangible fixed assets22/27€466k€449k▼
Land and buildings22€466k€449k▼
Financial fixed assets28€3k€3k=
Current assets29/58€567k€594k▲
Amounts receivable within one year40/41€508k€516k▲
Other amounts receivable41€508k€516k▲
Cash at bank and in hand54/58€59k€77k▲
Equity and liabilities
Total equity and liabilities10/49€1.04M€1.05M▲
Equity10/15€991k€998k▲
Contributions10/11€347k€347k=
Capital10€347k€347k=
Issued capital100€347k€347k=
Reserves13€55k€55k=
Non-distributable reserves130/1€35k€35k=
Legal reserve130€35k€35k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€589k€595k▲
Amounts payable17/49€44k€48k▲
Amounts payable after more than one year17€2k€2k=
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€43k€47k▲
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Other amounts payable47/48€40k€40k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€21k€22k▲
Gross operating margin9900€73k€76k▲
Operating profit (loss)9901€36k€38k▲
Financial income75/76B€14k€11k▼
Recurring financial income75€14k€11k▼
Financial charges65/66B€474€305▼
Recurring financial charges65€275€305▲
Non-recurring financial charges66B€198-
Profit (loss) for the period before taxes9903€50k€49k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€47k€47k▼
Profit (loss) for the period to be appropriated9905€47k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€629k€635k▲
Profit (loss) brought forward from the previous period14P€581k€589k▲
Profit to be distributed694/7€40k€40k=
Directors or managers695€40k€40k=
The notes to these accounts (7 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €47k ▼0.6%
Net result drops to €47k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 18 days late
2022
31-12
Financial
Highest result since 2018net €355k ▲147%
Net result €355k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 10.98
Current ratio from 5.37 to 10.98; short-term debt falls from €68k to €52k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 5.37
Current ratio from 1.43 to 5.37; short-term debt falls from €458k to €68k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
17 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, Schilde · 1 establishment unit since 1986
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.
Bellevuedreef 32970 SchildeGround area
3,714 m²
Building footprint
288 m²
Volume, LiDAR
2,124 m³
Parcel 11922C0381/00T002, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vandim2
since 19862.031.889.187
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0381/00T002 | Flanders | 3,714 m² | 1 · 288 m² | 11.7 m · 3 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
GARAGE GLIBERT ET FILS
BE 0424.929.185
Jemeppe-sur-Sambre · Eq €997,434
GR CAR
BE 0761.531.360
Marche-en-Famenne · Eq €996,102
LO-AUTO
BE 0424.302.645
Lochristi · Eq €995,386
S.I.A.M.
BE 0831.624.847
Spa · Eq €994,963
SAINT - NICOLAS - MOTOR
BE 0417.115.044
Liège · Eq €1,001,121
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 2,959 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-03-1986
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.