Vanram
ActiveVanram has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.72M and a net result of €132k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 83% of 1498 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▲+3
Solvency67=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.05 in 2024), and 26.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 77
Relative position
BE, all sectors
reference
Sector 77
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
73.3%
Return on assets
2.6%
Age of the figures
14 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-02-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
1 d late
2019
6 d late
← before the deadline
after the deadline →
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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3.72M▲ 3.7%
2024 · €3.59M
2019: €3.28M
2020: €3.32M
2021: €3.36M
2022: €3.34M
2023: €3.48M
2024: €3.59M
2019 → 2025
Total assets
€5.07M▼ 4.7%
2024 · €5.32M
2019: €4.65M
2020: €5.36M
2021: €5.08M
2022: €5.72M
2023: €5.65M
2024: €5.32M
2019 → 2025
Net result
€132k▲ 24.4%
2024 · €106k
2019: €77k
2020: €47k
2021: €39k
2022: €-18k
2023: €137k
2024: €106k
2019 → 2025
Working capital
€-983k▲ 35.4%
2024 · €-1.52M
2019: €-989k
2020: €-1.36M
2021: €-1.57M
2022: €-2.17M
2023: €-1.94M
2024: €-1.52M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.36M-€3.34M▼ 0.5%€3.48M▲ 4.1%€3.59M▲ 3.0%€3.72M▲ 3.7%
Operating result€99k-€27k▼ 73.1%€271k▲ 921%€252k▼ 7.3%€283k▲ 12.5%
Net result€39k-€-18k€137k€106k▼ 22.9%€132k▲ 24.4%
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 12% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.07M
Fixed assets
€4.94M▼ 5.6%
Current assets
€134k▲ 52.0%
Equity and liabilities €5.07M
Equity
€3.72M▲ 3.7%
Debt
€1.36M▼ 21.9%
The debt ratio falls from 32.6% to 26.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€578k▲
2024 · €550k
Cash flow
€427k▲
2024 · €405k
Solvency
73.3%▲
2024 · 67.4%
Current ratio
0.12▲
2024 · 0.05
Quick ratio
0.12▲
2024 · 0.05
Debt / equity
0.36▼
2024 · 0.48
ROE
3.5%▲
2024 · 3.0%
ROA
2.6%▲
2024 · 2.0%
Interest coverage
5.48▲
2024 · 4.85
Debt
€1.36M▼
2024 · €1.74M
Debt ≤ 1 year
€1.12M▼
2024 · €1.61M
Debt > 1 year
€2k=
2024 · €2k
Income taxes
€48k▲
2024 · €34k
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€5.32M€5.07M▼
Fixed assets21/28€5.23M€4.94M▼
Tangible fixed assets22/27€5.23M€4.94M▼
Land and buildings22€4.67M€4.44M▼
Plant, machinery and equipment23€272€112▼
Leasing and similar rights25€564k€498k▼
Financial fixed assets28€3k€3k=
Current assets29/58€88k€134k▲
Amounts receivable within one year40/41€76k€60k▼
Other amounts receivable41€76k€60k▼
Cash at bank and in hand54/58€6k€65k▲
Deferred charges and accrued income490/1€7k€10k▲
Equity and liabilities
Total equity and liabilities10/49€5.32M€5.07M▼
Equity10/15€3.59M€3.72M▲
Contributions10/11€62k€62k=
Outside capital11€62k€62k=
Other1109/19€62k€62k=
Reserves13€105k€105k=
Non-distributable reserves130/1€31k€31k=
Reserves not available under the articles1311€31k€31k=
Distributable reserves133€73k€73k=
Profit (loss) carried forward14€3.42M€3.55M▲
Amounts payable17/49€1.74M€1.36M▼
Amounts payable after more than one year17€2k€2k=
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€1.61M€1.12M▼
Trade debts44€12k€16k▲
Suppliers440/4€12k€16k▲
Taxes, remuneration and social security45-€48k
Taxes450/3-€48k
Other amounts payable47/48€1.60M€1.05M▼
Accrued charges and deferred income492/3€123k€235k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€299k€295k▼
Other operating charges640/8€68k€41k▼
Gross operating margin9900€618k€619k▲
Operating profit (loss)9901€252k€283k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€113k€105k▼
Recurring financial charges65€113k€105k▼
Profit (loss) for the period before taxes9903€140k€180k▲
Income taxes67/77€34k€48k▲
Profit (loss) for the period9904€106k€132k▲
Profit (loss) for the period to be appropriated9905€106k€132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3.42M€3.55M▲
Profit (loss) brought forward from the previous period14P€3.31M€3.42M▲
The notes to these accounts (4 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
04-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €137k
Net result €137k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-18k ▼147%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
06-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
11-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2025
This board is reconstructed from a single act (25314890). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Vandewalle Annelies
CurrentDirector · since 27-02-2025
Vandewalle Fernand
CurrentManaging director · since 27-02-2025
Vandewalle Fernand Jozef Omer
CurrentDirector · since 27-02-2025
Vandewalle Isabelle
CurrentDirector · since 27-02-2025
Ramman Rita Alma
CurrentDirector · since 16-02-2024
27-02-2025
Vandewalle Annelies: Appointed as Director
27-02-2025
Vandewalle Fernand: Appointed as Managing director
27-02-2025
Vandewalle Fernand Jozef Omer: Appointed as Director
27-02-2025
Vandewalle Isabelle: Appointed as Director
27-02-2025
Ramman Rita Alma: Appointed as Director
16-02-2024
Ramman Rita Alma: Appointed as Director
Location & real-estate footprint
Registered office, Oudenburg · 1 establishment unit since 1990
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.
Brugsesteenweg 458460 OudenburgGround area
6,882 m²
Building footprint
395 m²
Volume, LiDAR
2,157 m³
Parcel 35015A0022/00B000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vanram
since 19902.050.645.425
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35015A0022/00B000 | Flanders | 6,882 m² | 1 · 395 m² | 9.4 m · 2 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.
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BE 0417.226.890
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Europcar
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Elsene · Eq €3.61M
VBK Renting
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FINANCIAL HAREL INVESTMENT
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Tournai · Eq €3.96M
Of 1,435 companies in sector 77110 we hold annual accounts for 724. 200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-1990
Fiscal year end30-06
Activities, NACEBEL
74151
77110Renting and leasing of cars and light motor vehicles
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.