VANVELTHOVEN
ActiveThe computed 12-month bankruptcy probability of VANVELTHOVEN is 1.8% (moderate). The 2025 annual accounts show equity of €36k and a net result of €2k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 1304 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+1
Solvency63▲+4
Growth52=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.21 in 2024; short-term debt: 61.6% and cash: 39.4% of total assets), and 61.6% 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
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 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 33
Relative position
BE, all sectors
reference
Sector 33
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
38.4%
Return on assets
2.1%
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 26-05-2026, 66 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
66 d early
2024
37 d early
2023
21 d late
2022
38 d early
2021
30 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 5.9%
2024 · €34k
2021: €29k
2022: €26k
2023: €33k
2024: €34k
2021 → 2025
Total assets
€94k▼ 4.9%
2024 · €99k
2021: €85k
2022: €118k
2023: €110k
2024: €99k
2021 → 2025
Net result
€2k▲ 54.2%
2024 · €1k
2021: €29k
2022: €-3k
2023: €3k
2024: €1k
2021 → 2025
Working capital
€19k▲ 44.6%
2024 · €13k
2021: €22k
2022: €4k
2023: €12k
2024: €13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€26k▼ 10.2%€33k▲ 24.4%€34k▲ 4.0%€36k▲ 5.9%
Operating result€40k-€-3k€4k€3k▼ 36.5%€3k▲ 13.5%
Net result€29k-€-3k€3k€1k▼ 62.2%€2k▲ 54.2%
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 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€17k▼ 32.0%
Current assets
€77k▲ 4.6%
Equity and liabilities €94k
Equity
€36k▲ 5.9%
Debt
€58k▼ 10.5%
The debt ratio falls from 65.5% to 61.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▲
2024 · €12k
Cash flow
€11k▲
2024 · €10k
Solvency
38.4%▲
2024 · 34.5%
Current ratio
1.32▲
2024 · 1.21
Quick ratio
0.74▼
2024 · 0.81
Debt / equity
1.60▼
2024 · 1.90
ROE
5.6%▲
2024 · 3.8%
ROA
2.1%▲
2024 · 1.3%
Interest coverage
49.02▲
2024 · 16.82
Debt
€58k▼
2024 · €65k
Debt ≤ 1 year
€58k▼
2024 · €60k
Income taxes
€1k▲
2024 · €941
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€99k€94k▼
Fixed assets21/28€26k€17k▼
Tangible fixed assets22/27€26k€17k▼
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€1k€788▼
Furniture and vehicles24€3k€3k▼
Leasing and similar rights25€20k€12k▼
Current assets29/58€73k€77k▲
Stocks and contracts in progress3€24k€34k▲
Stocks30/36€24k€34k▲
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€760€2k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€45k€37k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€99k€94k▼
Equity10/15€34k€36k▲
Contributions10/11€3k€3k=
Reserves13€31k€33k▲
Distributable reserves133€31k€33k▲
Amounts payable17/49€65k€58k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€60k€58k▼
Current portion of amounts payable after more than one year42€6k€4k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€941€1k▲
Taxes450/3€941€1k▲
Other amounts payable47/48€51k€51k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€13k€14k▲
Operating profit (loss)9901€3k€3k▲
Financial income75/76B€108€336▲
Recurring financial income75€108€336▲
Financial charges65/66B€686€251▼
Recurring financial charges65€686€251▼
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77€941€1k▲
Profit (loss) for the period9904€1k€2k▲
Profit (loss) for the period to be appropriated9905€1k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€2k▲
Transfer to equity691/2€1k€2k▲
To other reserves6921€1k€2k▲
The notes to these accounts (5 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-3k ▼110%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lommel · 1 establishment unit since 2020
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.
Driekooien 723920 LommelGround area
849 m²
Building footprint
125 m²
Volume, LiDAR
542 m³
Parcel 72343E0390/00D003, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VANVELTHOVEN
since 20202.308.005.825
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72343E0390/00D003 | Flanders | 849 m² | 1 · 125 m² | 7.7 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.
Similar companies · same sector, comparable size
VAN DEN BROUCKE
BE 1014.156.576
Tielt · Eq €36k
REM ENTRETIEN
BE 0770.238.891
Machelen (Brab.) · Eq €36k
LT onderhoudswerken
BE 0800.398.369
Maaseik · Eq €36k
LEPLAE STIJN
BE 0701.967.521
Middelkerke · Eq €37k
JB MECA
BE 1017.502.383
Léglise · Eq €37k
Of 3,713 companies in sector 33120 we hold annual accounts for 1,342. 980 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2020
Fiscal year end31-12
Activities, NACEBEL
33120Repair and maintenance of machinery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.