VandT
ActiveVandT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €40k. Equity is growing by ~59.2% per year across the filed fiscal years. Its solvency ranks better than 16% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
71
/ 100
Healthy▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+21
Solvency20▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 0.86 in 2024), and 87.9% 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.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
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
12.1%
Return on assets
11.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 16941 sector peers (2025).
NBB · sector comparisonPosition among 16941 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
32 d late
2023
26 d late
2022
31 d late
2021
31 d late
2020
73 d late
2019
122 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 140%
2024 · €18k
2018: €-43k
2019: €-38k
2020: €-22k
2021: €-8k
2022: €-3k
2023: €15k
2024: €18k
2018 → 2025
Total assets
€360k▲ 9.7%
2024 · €328k
2018: €14k
2019: €369k
2020: €354k
2021: €323k
2022: €318k
2023: €323k
2024: €328k
2018 → 2025
Net result
€40k▲ 1,322%
2024 · €3k
2018: €-42k
2019: €6k
2020: €16k
2021: €14k
2022: €5k
2023: €18k
2024: €3k
2018 → 2025
Working capital
€5k
2024 · €-15k
2018: €-49k
2019: €-64k
2020: €-14k
2021: €-6k
2022: €-5k
2023: €13k
2024: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-8k-€-3k▲ 62.2%€15k€18k▲ 18.6%€43k▲ 140%
Operating result€23k-€14k▼ 36.4%€41k▲ 184%€18k▼ 57.3%€73k▲ 314%
Net result€14k-€5k▼ 64.1%€18k▲ 272%€3k▼ 84.4%€40k▲ 1,322%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 314% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €360k
Fixed assets
€231k▼ 1.5%
Current assets
€129k▲ 37.7%
Equity and liabilities €360k
Equity
€43k▲ 140%
Debt
€316k▲ 2.1%
The debt ratio falls from 94.5% to 87.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€107k▲
2024 · €45k
Cash flow
€75k▲
2024 · €30k
Solvency
12.1%▲
2024 · 5.5%
Current ratio
1.04▲
2024 · 0.86
Quick ratio
0.89▲
2024 · 0.64
Debt / equity
7.30▼
2024 · 17.12
ROE
93.2%▲
2024 · 15.7%
ROA
11.2%▲
2024 · 0.9%
Interest coverage
9.13▲
2024 · 4.14
Debt
€316k▲
2024 · €310k
Debt ≤ 1 year
€124k▲
2024 · €109k
Debt > 1 year
€191k▼
2024 · €200k
Income taxes
€21k▲
2024 · €5k
Staff costs
€91k▼
2024 · €97k
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€328k€360k▲
Fixed assets21/28€234k€231k▼
Tangible fixed assets22/27€233k€229k▼
Land and buildings22€164k€152k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€17k€10k▼
Other tangible fixed assets26€50k€65k▲
Financial fixed assets28€2k€2k=
Current assets29/58€94k€129k▲
Stocks and contracts in progress3€24k€19k▼
Stocks30/36€24k€19k▼
Amounts receivable within one year40/41€34k€90k▲
Trade receivables40€10k€53k▲
Other amounts receivable41€25k€37k▲
Cash at bank and in hand54/58€27k€13k▼
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€328k€360k▲
Equity10/15€18k€43k▲
Contributions10/11€14k€14k=
Reserves13€17k€29k▲
Distributable reserves133€17k€29k▲
Profit (loss) carried forward14€-14k-
Amounts payable17/49€310k€316k▲
Amounts payable after more than one year17€200k€191k▼
Financial debts170/4€200k€191k▼
Amounts payable within one year42/48€109k€124k▲
Current portion of amounts payable after more than one year42€30k€36k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€32k€23k▼
Suppliers440/4€32k€23k▼
Taxes, remuneration and social security45€42k€45k▲
Taxes450/3€28k€39k▲
Remuneration and social security454/9€15k€6k▼
Other amounts payable47/48-€14k
Accrued charges and deferred income492/3€1k€750▼
Income statement
Code20242025
Remuneration, social security and pensions62€97k€91k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€34k▲
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€295-
Gross operating margin9900€146k€203k▲
Operating profit (loss)9901€18k€73k▲
Financial income75/76B€827€951▲
Recurring financial income75€827€951▲
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€8k€62k▲
Income taxes67/77€5k€21k▲
Profit (loss) for the period9904€3k€40k▲
Profit (loss) for the period to be appropriated9905€3k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€27k▲
Profit (loss) brought forward from the previous period14P€-16k€-14k▲
Transfer from equity791/2-€15k
Transfer to equity691/2-€27k
To the legal reserve6920-€27k
Profit to be distributed694/7-€15k
Return on contributions (dividend)694-€15k
The notes to these accounts (12 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €40k ▲1322%
Operating result €73k, net result €40k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 72 days late
2018
28-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brugge · 1 establishment unit since 2011
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.
Gistelse Steenweg 3828200 BruggeGround area
454 m²
Building footprint
122 m²
Volume, LiDAR
1,218 m³
Parcel 31425C0307/00B013, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
VandT
since 20112.200.836.166
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31425C0307/00B013 | Flanders | 454 m² | 1 · 122 m² | 14.8 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
Gebroeders Van Gestel
BE 0422.208.435
Antwerpen · Eq €43k
LAND & TUIN
BE 0809.451.736
Holsbeek · Eq €43k
GINKGO FARM
BE 0788.776.185
Binche · Eq €43k
HET HOLLANDS HOF
BE 0878.782.782
Leuven · Eq €44k
ATELIER FLORAL ROBERT
BE 0896.858.436
Couvin · Eq €42k
Of 3,377 companies in sector 47761 we hold annual accounts for 1,153. 778 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2011
Fiscal year end31-12
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.vandt.be
E-mail:tv@vandt.be