VANQUELEFF RONALD
ActiveSummary
VANQUELEFF RONALD has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67,101 and a net result of €7,507. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 5.95 against 5.38 in 2024; short-term debt: 14.5% and cash: 58.8% of total assets), and 14.5% of the assets are financed with debt.
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Signals
Five 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
Retail trade (NACE 47)
about 45% more 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
85.5%
Return on assets
9.6%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
22 d late
2023
9 d early
2022
29 d late
2021
31 d late
2020
31 d late
2019
8 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 22 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€67,101▲ 12.6%
2024 · €59,594
Total assets
€78,451▲ 11.0%
2024 · €70,692
Net result
€7,507▼ 12.9%
2024 · €8,614
Working capital
€56,168▲ 15.6%
2024 · €48,606
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€6,677▼ 84.3%€17,052▲ 155%€10,850▼ 36.4%€13,625▲ 25.6%€12,218▼ 10.3%
Net result€2,209within the sector's middle half▼ 92.8%€10,190within the sector's middle half▲ 361%€5,458within the sector's middle half▼ 46.4%€8,614within the sector's middle half▲ 57.8%€7,507within the sector's middle half▼ 12.9%
Equity€35,337within the sector's middle half▲ 6.7%€45,528within the sector's middle half▲ 28.8%€50,986within the sector's middle half▲ 12.0%€59,594within the sector's middle half▲ 16.9%€67,101within the sector's middle half▲ 12.6%
Total assets€68,419within the sector's middle half▼ 20.9%€64,600within the sector's middle half▼ 5.6%€64,225within the sector's middle half▼ 0.6%€70,692within the sector's middle half▲ 10.1%€78,451within the sector's middle half▲ 11.0%
Debt€33,082▼ 38.0%€19,072▼ 42.3%€13,239▼ 30.6%€11,097▼ 16.2%€11,350▲ 2.3%
Working capital€11,183within the sector's middle half▲ 20.4%€24,428within the sector's middle half▲ 118%€38,361within the sector's middle half▲ 57.0%€48,606within the sector's middle half▲ 26.7%€56,168within the sector's middle half▲ 15.6%
Solvency51.6%within the sector's middle half▲ 13.4pp70.5%above the sector's middle half▲ 18.8pp79.4%above the sector's middle half▲ 8.9pp84.3%above the sector's middle half▲ 4.9pp85.5%above the sector's middle half▲ 1.2pp
Current ratio1.48within the sector's middle half▲ 0.222.47within the sector's middle half▲ 0.993.90above the sector's middle half▲ 1.425.38above the sector's middle half▲ 1.485.95above the sector's middle half▲ 0.57
Return on assets (ROA)3.2%within the sector's middle half▼ 32.1pp15.8%above the sector's middle half▲ 12.5pp8.5%within the sector's middle half▼ 7.3pp12.2%within the sector's middle half▲ 3.7pp9.6%within the sector's middle half▼ 2.6pp
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
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78,451
Fixed assets
€10,932 ▼ 0.5%
Current assets
€67,518 ▲ 13.1%
Equity and liabilities €78,451
Equity
€67,101 ▲ 12.6%
Debt
€11,350 ▲ 2.3%
Debt's share of the balance-sheet total falls from 15.7% to 14.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13,721▼
2024 · €15,262
Cash flow
€9,010▼
2024 · €10,251
Quick ratio
5.94▲
2024 · 5.38
Debt to equity
0.17▼
2024 · 0.19
ROE
11.2%▼
2024 · 14.5%
Interest coverage
16.74▼
2024 · 22.47
Debt ≤ 1 year
€11,350▲
2024 · €11,097
Income taxes
€4,002▼
2024 · €4,425
Staff costs
€1,954▼
2024 · €4,136
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 31,349 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €800 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €9,923 | €10,146 | €7,114 | €4,136 | €1,954 | ▼ 52.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,657 | €11,070 | €10,974 | €1,636 | €1,503 | ▼ 8.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €715 | - | €5,250 | - | - | - |
| Other operating charges640/8 | €1,658 | €3,036 | €3,494 | €3,570 | €3,322 | ▼ 7.0% |
| Non-recurring operating charges66A | €350 | €155 | - | - | €317 | - |
| Gross operating margin9900 | €29,979 | €41,459 | €37,681 | €22,967 | €19,314 | ▼ 15.9% |
| Operating profit (loss)9901 | €6,677 | €17,052 | €10,850 | €13,625 | €12,218 | ▼ 10.3% |
| Financial income75/76B | - | - | €2 | €162 | €111 | ▼ 31.8% |
| Recurring financial income75 | - | - | €2 | €162 | €111 | ▼ 31.8% |
| Financial charges65/66B | €1,523 | €1,064 | €1,194 | €748 | €820 | ▲ 9.6% |
| Recurring financial charges65 | €1,523 | €1,064 | €958 | €679 | €820 | ▲ 20.7% |
| Non-recurring financial charges66B | - | - | €236 | €69 | - | - |
| Profit (loss) for the period before taxes9903 | €5,154 | €15,988 | €9,658 | €13,039 | €11,509 | ▼ 11.7% |
| Income taxes67/77 | €2,945 | €5,797 | €4,200 | €4,425 | €4,002 | ▼ 9.6% |
| Profit (loss) for the period9904 | €2,209 | €10,190 | €5,458 | €8,614 | €7,507 | ▼ 12.9% |
| Profit (loss) for the period to be appropriated9905 | €2,209 | €10,190 | €5,458 | €8,614 | €7,507 | ▼ 12.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €68,419 | €64,600 | €64,225 | €70,692 | €78,451 | ▲ 11.0% |
| Fixed assets21/28 | €34,049 | €23,598 | €12,625 | €10,988 | €10,932 | ▼ 0.5% |
| Tangible fixed assets22/27 | €33,525 | €23,074 | €12,100 | €10,463 | €10,408 | ▼ 0.5% |
| Land and buildings22 | €12,576 | €11,639 | €10,702 | €9,765 | €8,828 | ▼ 9.6% |
| Furniture and vehicles24 | €20,948 | €11,434 | €1,398 | €698 | €1,580 | ▲ 126% |
| Financial fixed assets28 | €525 | €525 | €525 | €525 | €525 | = |
| Current assets29/58 | €34,370 | €41,001 | €51,600 | €59,703 | €67,518 | ▲ 13.1% |
| Stocks and contracts in progress3 | €273 | €662 | €921 | - | €70 | - |
| Stocks30/36 | €273 | €662 | €921 | - | €70 | - |
| Amounts receivable within one year40/41 | €10,892 | €18,788 | €18,050 | €17,810 | €21,313 | ▲ 19.7% |
| Trade receivables40 | €10,048 | €17,467 | €18,021 | €17,216 | €19,681 | ▲ 14.3% |
| Other amounts receivable41 | €844 | €1,321 | €29 | €594 | €1,632 | ▲ 175% |
| Cash at bank and in hand54/58 | €23,205 | €21,551 | €32,630 | €41,893 | €46,135 | ▲ 10.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €68,419 | €64,600 | €64,225 | €70,692 | €78,451 | ▲ 11.0% |
| Equity10/15 | €35,337 | €45,528 | €50,986 | €59,594 | €67,101 | ▲ 12.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €4,060 | €14,250 | €19,708 | €28,316 | €35,823 | ▲ 26.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €2,200 | €12,390 | €17,848 | €26,456 | €33,963 | ▲ 28.4% |
| Profit (loss) carried forward14 | €12,677 | €12,678 | €12,678 | €12,678 | €12,678 | = |
| Amounts payable17/49 | €33,082 | €19,072 | €13,239 | €11,097 | €11,350 | ▲ 2.3% |
| Amounts payable after more than one year17 | €9,895 | €2,499 | - | - | - | - |
| Financial debts170/4 | €9,895 | €2,499 | - | - | - | - |
| Amounts payable within one year42/48 | €23,187 | €16,573 | €13,239 | €11,097 | €11,350 | ▲ 2.3% |
| Current portion of amounts payable after more than one year42 | €9,674 | €8,744 | €3,499 | €1,158 | €1,151 | ▼ 0.6% |
| Trade debts44 | €3,915 | €4,084 | €5,838 | €7,015 | €7,477 | ▲ 6.6% |
| Suppliers440/4 | €3,915 | €4,084 | €5,838 | €7,015 | €7,477 | ▲ 6.6% |
| Taxes, remuneration and social security45 | €7,542 | €2,034 | €2,191 | €1,167 | €314 | ▼ 73.1% |
| Taxes450/3 | €7,542 | €2,034 | €2,191 | €1,167 | €314 | ▼ 73.1% |
| Other amounts payable47/48 | €2,056 | €1,711 | €1,711 | €1,758 | €2,408 | ▲ 37.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,209 | €10,190 | €5,458 | €8,614 | €7,507 | ▼ 12.9% |
| + Depreciation and write-downs630 | €10,657 | €11,070 | €10,974 | €1,636 | €1,503 | ▼ 8.1% |
| Operating cash flow (approximation) | €12,866 | €21,260 | €16,432 | €10,251 | €9,010 | ▼ 12.1% |
| Investment in fixed assets (approximation) | - | -€619 | €0 | €0 | -€1,447 | - |
| Change in cash | - | -€1,654 | €11,079 | €9,264 | €4,242 | ▼ 54.2% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €30,573 ▲7,637%
Operating result €42,639, net result €30,573, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.27
Current ratio from 0.58 to 1.27; short-term debt falls from €44,797 to €34,989.
08-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 8 days late
2019
31-12
Financial
Weakest financial yearnet €395 ▼93.9%
Net result drops to €395, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 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, Dour · 1 establishment unit since 2002
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.
Avenue Hyacinth Harmegnies 107370 DourGround area
496 m²
Building footprint
183 m²
Parcel 53041B0289/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
VANQUELEFF RONALD SPRL
since 20022.098.985.077
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53041B0289/00B000indicative | Wallonia | 496 m² | 1 · 183 m² | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBoussu2.098.985.077
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Of 3,824 companies in sector 47210 we hold annual accounts for 965. 794 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
Founded21-12-2001
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
Contact
E-mail
vanqueleff@hotmail.fr
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476396593
Registered
12-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.