Vanovervelt Karel
ActiveSummary
Vanovervelt Karel has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €299k and a net result of €51k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 52% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▲+28
Solvency79▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.17 against 9.61 in 2024; short-term debt: 6.2% and cash: 17% of total assets), and 45.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
54.3%
Return on assets
9.3%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €299k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
43 d early
2023
5 d early
2022
on the day
2021
12 d early
2020
19 d early
2019
9 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€299k▲ 20.6%
2024 · €248k
2019: €234k
2020: €249k▲ +6.7% vs 2019
2021: €269k▲ +8.0% vs 2020
2022: €247k▼ -8.3% vs 2021
2023: €227k▼ -8.2% vs 2022lowest in 7 years
2024: €248k▲ +9.4% vs 2023
2025: €299k▲ +20.6% vs 2024highest in 7 years
2019 → 2025
Total assets
€551k▲ 8.4%
2024 · €508k
2019: €463klowest in 7 years
2020: €470k▲ +1.7% vs 2019
2021: €514k▲ +9.3% vs 2020
2022: €501k▼ -2.5% vs 2021
2023: €485k▼ -3.2% vs 2022
2024: €508k▲ +4.7% vs 2023
2025: €551k▲ +8.4% vs 2024highest in 7 years
2019 → 2025
Net result
€51k▲ 139%
2024 · €21k
2019: €33k
2020: €16k▼ -53.2% vs 2019
2021: €20k▲ +28.3% vs 2020
2022: €-22k▼ -212% vs 2021lowest in 7 years
2023: €-20k▲ +10.4% vs 2022
2024: €21k▲ +206% vs 2023
2025: €51k▲ +139% vs 2024highest in 7 years
2019 → 2025
Working capital
€210k▲ 17.4%
2024 · €179k
2019: €131klowest in 7 years
2020: €143k▲ +9.3% vs 2019
2021: €177k▲ +23.8% vs 2020
2022: €185k▲ +4.3% vs 2021
2023: €169k▼ -8.6% vs 2022
2024: €179k▲ +5.9% vs 2023
2025: €210k▲ +17.4% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€269k-€247k▼ 8.3%€227k▼ 8.2%€248k▲ 9.4%€299k▲ 20.6%
2021: €269k
2022: €247k▼ -8.3% vs 2021
2023: €227k▼ -8.2% vs 2022lowest in 5 years
2024: €248k▲ +9.4% vs 2023
2025: €299k▲ +20.6% vs 2024highest in 5 years
Operating result€-17k-€-15k▲ 14.6%€-10k▲ 35.3%€40k€87k▲ 119%
2021: €-17klowest in 5 years
2022: €-15k▲ +14.6% vs 2021
2023: €-10k▲ +35.3% vs 2022
2024: €40k▲ +512% vs 2023
2025: €87k▲ +119% vs 2024highest in 5 years
Net result€20k-€-22k€-20k▲ 10.4%€21k€51k▲ 139%
2021: €20k
2022: €-22k▼ -212% vs 2021lowest in 5 years
2023: €-20k▲ +10.4% vs 2022
2024: €21k▲ +206% vs 2023
2025: €51k▲ +139% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 119% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €551k
Fixed assets
€307k ▼ 0.5%
Current assets
€244k ▲ 22.2%
Equity and liabilities €551k
Equity
€299k ▲ 20.6%
Debt
€251k ▼ 3.2%
Debt's share of the balance-sheet total falls from 51.2% to 45.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▲
2024 · €41k
Cash flow
€53k▲
2024 · €23k
Current ratio
7.17▼
2024 · 9.61
Debt to equity
0.84▼
2024 · 1.05
ROE
17.1%▲
2024 · 8.6%
ROA
9.3%▲
2024 · 4.2%
Interest coverage
5.11▲
2024 · 2.51
Debt ≤ 1 year
€34k▲
2024 · €21k
Debt > 1 year
€217k▼
2024 · €239k
Income taxes
€19k▲
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€508k€551k▲
Fixed assets21/28€308k€307k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€6k€5k▼
Financial fixed assets28€302k€302k=
Current assets29/58€199k€244k▲
Amounts receivable within one year40/41€131k€150k▲
Trade receivables40€43k€11k▼
Other amounts receivable41€89k€139k▲
Cash at bank and in hand54/58€68k€94k▲
Equity and liabilities
Total equity and liabilities10/49€508k€551k▲
Equity10/15€248k€299k▲
Contributions10/11€25k€25k=
Reserves13€223k€274k▲
Non-distributable reserves130/1€3k€0▼
Reserves not available under the articles1311€3k€0▼
Distributable reserves133€221k€274k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€260k€251k▼
Amounts payable after more than one year17€239k€217k▼
Other amounts payable178/9€239k€217k▼
Amounts payable within one year42/48€21k€34k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€8k€20k▲
Taxes450/3€8k€20k▲
Other amounts payable47/48€11k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€499€761▲
Gross operating margin9900€42k€90k▲
Operating profit (loss)9901€40k€87k▲
Financial charges65/66B€17k€17k▲
Recurring financial charges65€17k€17k▲
Profit (loss) for the period before taxes9903€23k€70k▲
Income taxes67/77€2k€19k▲
Profit (loss) for the period9904€21k€51k▲
Profit (loss) for the period to be appropriated9905€21k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€51k▲
Profit (loss) brought forward from the previous period14P€-2k€0▲
Transfer from equity791/2€0-
Transfer to equity691/2€19k€51k▲
To other reserves6921€19k€51k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €1k | €1k | €2k | €1k | ▼ 11.2% |
| Other operating charges640/8 | - | €459 | €460 | €499 | €761 | ▲ 52.3% |
| Gross operating margin9900 | €-16k | €-13k | €-8k | €42k | €90k | ▲ 113% |
| Operating profit (loss)9901 | €-17k | €-15k | €-10k | €40k | €87k | ▲ 119% |
| Financial income75/76B | - | €2k | €0 | - | - | - |
| Recurring financial income75 | €55k | €2k | €0 | - | - | - |
| Financial charges65/66B | - | €9k | €10k | €17k | €17k | ▲ 5.1% |
| Recurring financial charges65 | €8k | €9k | €10k | €17k | €17k | ▲ 5.1% |
| Profit (loss) for the period before taxes9903 | €29k | €-22k | €-20k | €23k | €70k | ▲ 200% |
| Income taxes67/77 | €9k | €0 | - | €2k | €19k | ▲ 886% |
| Profit (loss) for the period9904 | €20k | €-22k | €-20k | €21k | €51k | ▲ 139% |
| Profit (loss) for the period to be appropriated9905 | €20k | €-22k | €-20k | €21k | €51k | ▲ 139% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €514k | €501k | €485k | €508k | €551k | ▲ 8.4% |
| Fixed assets21/28 | €307k | €305k | €304k | €308k | €307k | ▼ 0.5% |
| Tangible fixed assets22/27 | €5k | €3k | €2k | €6k | €5k | ▼ 22.0% |
| Plant, machinery and equipment23 | - | €3k | €2k | €6k | €5k | ▼ 22.0% |
| Financial fixed assets28 | €302k | €302k | €302k | €302k | €302k | = |
| Current assets29/58 | €207k | €196k | €181k | €199k | €244k | ▲ 22.2% |
| Amounts receivable within one year40/41 | €207k | €193k | €152k | €131k | €150k | ▲ 14.1% |
| Trade receivables40 | - | €16k | €22k | €43k | €11k | ▼ 74.6% |
| Other amounts receivable41 | - | €177k | €130k | €89k | €139k | ▲ 57.1% |
| Cash at bank and in hand54/58 | €698 | €2k | €29k | €68k | €94k | ▲ 38.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €514k | €501k | €485k | €508k | €551k | ▲ 8.4% |
| Equity10/15 | €269k | €247k | €227k | €248k | €299k | ▲ 20.6% |
| Contributions10/11 | - | €25k | €25k | €25k | €25k | = |
| Reserves13 | €244k | €222k | €204k | €223k | €274k | ▲ 23.0% |
| Non-distributable reserves130/1 | - | €3k | €3k | €3k | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | €3k | €3k | €3k | €0 | ▼ 100% |
| Distributable reserves133 | - | €219k | €201k | €221k | €274k | ▲ 24.4% |
| Profit (loss) carried forward14 | - | - | €-2k | €0 | - | - |
| Amounts payable17/49 | €245k | €254k | €258k | €260k | €251k | ▼ 3.2% |
| Amounts payable after more than one year17 | €214k | €243k | €246k | €239k | €217k | ▼ 9.0% |
| Other amounts payable178/9 | - | €243k | €246k | €239k | €217k | ▼ 9.0% |
| Amounts payable within one year42/48 | €30k | €11k | €12k | €21k | €34k | ▲ 63.8% |
| Trade debts44 | €5k | €2k | €2k | €2k | €2k | ▼ 2.1% |
| Suppliers440/4 | - | €2k | €2k | €2k | €2k | ▼ 2.1% |
| Taxes, remuneration and social security45 | - | €3k | €4k | €8k | €20k | ▲ 169% |
| Taxes450/3 | - | €3k | €4k | €8k | €20k | ▲ 169% |
| Other amounts payable47/48 | - | €6k | €7k | €11k | €12k | ▲ 5.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €-22k | €-20k | €21k | €51k | ▲ 139% |
| + Depreciation and write-downs630 | €1k | €1k | €1k | €2k | €1k | ▼ 11.2% |
| Operating cash flow (approximation) | €21k | €-21k | €-19k | €23k | €53k | ▲ 129% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-6k | €0 | ▲ 100% |
| Change in cash | - | €2k | €27k | €39k | €26k | ▼ 33.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €51k ▲139%
Operating result €87k, net result €51k, both a record.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 17.62
Current ratio from 6.83 to 17.62; short-term debt falls from €30k to €11k.
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-01
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
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Anzegem · 1 establishment unit since 2009
Ground area
791 m²
Building footprint
145 m²
Volume, LiDAR
107 m³
Parcel 34018B0310/00M003, Flanders · tallest building 2.8 m. Linked by address, not a title deed.
1 establishment unit
VANOVERVELT KAREL
since 20092.175.693.172
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34018B0310/00M003 | Flanders | 791 m² | 1 · 145 m² | 2.8 m |
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.
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Of 5,699 companies in sector 70100 we hold annual accounts for 3,495. 2,310 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
Founded13-01-2009
Fiscal year end30-06
Activities, NACEBEL 2025
70100Activities of head offices
77229Renting and leasing of other personal and household goods
81100Combined facilities support activities
Scores and ratios are computed by Checked and are not a credit decision.