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VANLOOVEREN

Active
Private limited companyfounded 20206 yrs activeBussestraat 2, 2840 Rumst, BelgiumKBO/BCE: BE 0750.605.992
Summary

The computed 12-month bankruptcy probability of VANLOOVEREN is 2.7% (moderate). The 2024 annual accounts show negative equity (-€11,945) and a net result of -€64,797. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 26043 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability16▼-54
Solvency24▼-8
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.34 against 0.74 in 2023; short-term debt: 46.7% and cash: 1% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
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 2024
Solvency, return and age of the figures
Solvency
-0.9%
Return on assets
-5.1%
Age of the figures
21 mo
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
21222324
2021 to 2024 · latest year -€11,945
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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 · 4 filings
Deviation from the deadline
2025
not confirmed
2024
75 d late
2023
237 d late
2022
163 d late
2021
110 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 146 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

VANLOOVEREN was incorporated on 13 July 2020 as a Private limited company.1 Total assets rose from EUR 569,943 in 2021 to EUR 1.3 million in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2024

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Financials · fiscal year 2024, micro schema

Equity
-€11,945
2023 · €52,852
Total assets
€1.3m▲ 68.7%
2023 · €753,137
Net result
-€64,797
2023 · €10,064
Working capital
-€394,093▼ 339%
2023 · -€89,695
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2021202220232024
Operating result€14,102-€65,216▲ 362%€13,665▼ 79.0%-€52,783
Net result€11,929within the sector's middle half-€28,359above the sector's middle half▲ 138%€10,064within the sector's middle half▼ 64.5%-€64,797below the sector's middle half
Equity€14,429within the sector's middle half-€42,788within the sector's middle half▲ 197%€52,852within the sector's middle half▲ 23.5%-€11,945below the sector's middle half
Total assets€569,943above the sector's middle half-€753,712above the sector's middle half▲ 32.2%€753,137above the sector's middle half▼ 0.1%€1.3mabove the sector's middle half▲ 68.7%
Debt€555,514-€710,924▲ 28.0%€700,285▼ 1.5%€1.3m▲ 83.2%
Working capital-€34,057below the sector's middle half--€66,863below the sector's middle half▼ 96.3%-€89,695below the sector's middle half▼ 34.1%-€394,093below the sector's middle half▼ 339%
Solvency2.5%below the sector's middle half-5.7%within the sector's middle half▲ 3.1pp7.0%within the sector's middle half▲ 1.3pp-0.9%below the sector's middle half▼ 8.0pp
Current ratio0.89within the sector's middle half-0.78below the sector's middle half▼ 0.120.74below the sector's middle half▼ 0.040.34below the sector's middle half▼ 0.40
Return on assets (ROA)2.1%within the sector's middle half-3.8%within the sector's middle half▲ 1.7pp1.3%within the sector's middle half▼ 2.4pp-5.1%below the sector's middle half▼ 6.4pp
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€100,000-€50,000€0€50,000Operating result 2021: €14,102€14,102Net result 2021: €11,929€11,929Operating result 2022: €65,216€65,216Net result 2022: €28,359€28,359Operating result 2023: €13,665€13,665Net result 2023: €10,064€10,064Operating result 2024: -€52,783-€52,783Net result 2024: -€64,797-€64,7972021202220232024-€100,000-€50,000€0€50,000Operating result 2022: €65,216€65,200Net result 2022: €28,359€28,400Operating result 2023: €13,665€13,700Net result 2023: €10,064€10,100Operating result 2024: -€52,783-€52,800Net result 2024: -€64,797-€64,800202220232024
The operating result turns negative in 2024: a loss of €52,783 after €13,665 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.3m
Fixed assets €1.1m ▲ 114%
Current assets €199,291 ▼ 21.2%
Key figures and ratios
2024 value · change against 2023
EBITDA
€5,635▼
2023 · €36,065
Cash flow
-€6,379▼
2023 · €32,464
Quick ratio
0.05▼
2023 · 0.27
Interest coverage
0.47▼
2023 · 10.01
Debt ≤ 1 year
€593,384▲
2023 · €342,632
Debt > 1 year
€689,245▲
2023 · €357,653
A ratio outside any meaningful range has been withheld (balance sheet total €1.3m, equity -€11,945).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,167 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 95% are still going.

  • Small
  • 5 to 10 years old
  • negative equity
  • a small loss
2.0% went bankrupt
2.8% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,167 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 39 lines
Balance sheet Code20232024
Assets
Total assets20/58€753,137€1.3m▲
Fixed assets21/28€500,200€1.1m▲
Tangible fixed assets22/27€500,200€1.1m▲
Land and buildings22€500,200€1.1m▲
Current assets29/58€252,937€199,291▼
Stocks and contracts in progress3€159,612€171,312▲
Stocks30/36€159,612€171,312▲
Amounts receivable within one year40/41€43,318€15,110▼
Trade receivables40€42,796€14,589▼
Other amounts receivable41€522€522=
Cash at bank and in hand54/58€50,006€12,868▼
Equity and liabilities
Total equity and liabilities10/49€753,137€1.3m▲
Equity10/15€52,852-€11,945▼
Contributions10/11€2,500€2,500=
Profit (loss) carried forward14€50,352-€14,445▼
Amounts payable17/49€700,285€1.3m▲
Amounts payable after more than one year17€357,653€689,245▲
Financial debts170/4€357,653€689,245▲
Amounts payable within one year42/48€342,632€593,384▲
Current portion of amounts payable after more than one year42€55,296€35,038▼
Trade debts44€173,923€90,534▼
Suppliers440/4€173,923€90,534▼
Advances received on contracts in progress46€17,500€17,500=
Taxes, remuneration and social security45€5,289€97▼
Taxes450/3€5,289€97▼
Other amounts payable47/48€90,623€450,216▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22,400€58,418▲
Other operating charges640/8€2,244€2,911▲
Gross operating margin9900€38,309€8,546▼
Operating profit (loss)9901€13,665-€52,783▼
Financial income75/76B-€34
Recurring financial income75-€34
Financial charges65/66B€3,602€12,048▲
Recurring financial charges65€3,602€12,048▲
Profit (loss) for the period before taxes9903€10,064-€64,797▼
Profit (loss) for the period9904€10,064-€64,797▼
Profit (loss) for the period to be appropriated9905€10,064-€64,797▼
Appropriation of the result
Profit (loss) to be appropriated9906€50,352-€14,445▼
Profit (loss) brought forward from the previous period14P€40,288€50,352▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15,000€22,400€22,400€58,418▲ 161%
Other operating charges640/8€31,754€2,304€2,244€2,911▲ 29.8%
Gross operating margin9900€60,856€89,920€38,309€8,546▼ 77.7%
Operating profit (loss)9901€14,102€65,216€13,665-€52,783▼ 486%
Financial income75/76B---€34-
Recurring financial income75---€34-
Financial charges65/66B€2,173€36,857€3,602€12,048▲ 235%
Recurring financial charges65€2,173€4,588€3,602€12,048▲ 235%
Non-recurring financial charges66B-€32,269---
Profit (loss) for the period before taxes9903€11,929€28,359€10,064-€64,797▼ 744%
Profit (loss) for the period9904€11,929€28,359€10,064-€64,797▼ 744%
Profit (loss) for the period to be appropriated9905€11,929€28,359€10,064-€64,797▼ 744%
Line2021202220232024Change
Assets
Total assets20/58€569,943€753,712€753,137€1.3m▲ 68.7%
Fixed assets21/28€285,000€522,600€500,200€1.1m▲ 114%
Tangible fixed assets22/27€285,000€522,600€500,200€1.1m▲ 114%
Land and buildings22€285,000€522,600€500,200€1.1m▲ 114%
Current assets29/58€284,943€231,112€252,937€199,291▼ 21.2%
Stocks and contracts in progress3€113,686€145,511€159,612€171,312▲ 7.3%
Stocks30/36€113,686€145,511€159,612€171,312▲ 7.3%
Amounts receivable within one year40/41€92,602€73,819€43,318€15,110▼ 65.1%
Trade receivables40€82,373€73,297€42,796€14,589▼ 65.9%
Other amounts receivable41€10,229€522€522€522=
Cash at bank and in hand54/58€78,656€11,590€50,006€12,868▼ 74.3%
Deferred charges and accrued income490/1-€192---
Equity and liabilities
Total equity and liabilities10/49€569,943€753,712€753,137€1.3m▲ 68.7%
Equity10/15€14,429€42,788€52,852-€11,945▼ 123%
Contributions10/11€2,500€2,500€2,500€2,500=
Profit (loss) carried forward14€11,929€40,288€50,352-€14,445▼ 129%
Amounts payable17/49€555,514€710,924€700,285€1.3m▲ 83.2%
Amounts payable after more than one year17€236,514€412,949€357,653€689,245▲ 92.7%
Financial debts170/4€236,514€412,949€357,653€689,245▲ 92.7%
Amounts payable within one year42/48€319,001€297,975€342,632€593,384▲ 73.2%
Current portion of amounts payable after more than one year42€31,848€53,668€55,296€35,038▼ 36.6%
Trade debts44€167,152€102,387€173,923€90,534▼ 47.9%
Suppliers440/4€167,152€102,387€173,923€90,534▼ 47.9%
Advances received on contracts in progress46€17,500€17,500€17,500€17,500=
Taxes, remuneration and social security45-€11,925€5,289€97▼ 98.2%
Taxes450/3-€11,925€5,289€97▼ 98.2%
Other amounts payable47/48€102,500€112,495€90,623€450,216▲ 397%
Line2021202220232024Change
Profit (loss) for the period9904€11,929€28,359€10,064-€64,797▼ 744%
+ Depreciation and write-downs630€15,000€22,400€22,400€58,418▲ 161%
Operating cash flow (approximation)€26,929€50,759€32,464-€6,379▼ 120%
Investment in fixed assets (approximation)--€260,000€0-€629,611-
Change in cash--€67,066€38,416-€37,138▼ 197%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
14-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
25-03
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 237 days late
2024
31-12
Financial Weakest financial yearnet -€64,797
Net result drops to -€64,797, the lowest in the series.
10-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 163 days late
2022
31-12
Financial Highest result since 2021net €28,359 ▲138%
Operating result €65,216, net result €28,359, both a record.
18-11
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 110 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Rumst · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
830 m²
Building footprint
117 m²
Volume, LiDAR
699 m³
Parcel 11037B0233/00W000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VANLOOVEREN
Bussestraat 2, 2840 RumstReal estate development
since 20202.304.882.623
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11037B0233/00W000 Flanders 830 m² 1 · 117 m² 9.8 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 10,662 companies in sector 47811 we hold annual accounts for 5,227. 3,351 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded13-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Contact
E-mail vanlooverenbv@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0750605992
Also 9925:BE0750605992
Registered 15-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.