Skip to content

VASTGOED B.N.E.

Active
Private limited company·Activiteiten van holdings· 24 yrs active
Lodewijk De Raetlaan 2 ·3900 Pelt, Belgium
KBO/BCE: BE 0477.871.191
Watch Print / PDF
Age24 yrs

Summary

Conclusion

the dossier summarised in one paragraph

VASTGOED B.N.E. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €913k and a net result of €-60k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 1404 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Trust signals

3 signals
Long-established
Founded in 2002, 24 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€913k-6.2%
Net result€-60k
Total assets€5.02M+24.6%
Solvency18.2%-6.0pp

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 23-09-2025 with the NBB · fiscal year 2024 · verkort
€-200k€0€200k€400k€600kOperating result 2020: €-25k€-25kNet result 2020: €544k€544kOperating result 2021: €162k€162kNet result 2021: €151k€151kOperating result 2022: €176k€176kNet result 2022: €94k€94kOperating result 2023: €225k€225kNet result 2023: €122k€122kOperating result 2024: €120k€120kNet result 2024: €-60k€-60k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~9.1%/year over 7 fiscal years, indicative, assuming unchanged policy.
€600k€800k€1.00M€1.20M€1.40M2025: €1.07M (€999k - €1.15M)2026: €1.17M (€1.10M - €1.24M)2027: €1.28M (€1.17M - €1.38M)2018: €607k2019: €637k2020: €607k2021: €758k2022: €852k2023: €974k2024: €913k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 18.2% 37.3%
better than 29% of 1404 sector peers
Net result €-60k €46k
better than 9% of 1403 sector peers
Equity €913k €362k
better than 68% of 1404 sector peers
Gross operating margin €425k €65k
better than 91% of 1402 sector peers
Total assets €5.02M €1.41M
better than 79% of 1404 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P29
2020: P49 · n=2732021: P62 · n=4572022: P64 · n=8372023: P40 · n=11262024: P29 · n=14042020 2024
Weakening position over 2020-2024 · n=273-1404
Net result P9
2020: P17 · n=2732021: P80 · n=4572022: P71 · n=8362023: P70 · n=11262024: P9 · n=14032020 2024
Weakening position over 2020-2024 · n=273-1403
Equity P68
2020: P60 · n=2732021: P67 · n=4572022: P73 · n=8372023: P74 · n=11262024: P68 · n=14042020 2024
Stable position over 2020-2024 · n=273-1404
Gross operating margin P91
2020: P60 · n=2682021: P87 · n=4522022: P87 · n=8322023: P85 · n=11212024: P91 · n=14022020 2024
Improving position over 2020-2024 · n=268-1402
Describes the position versus peers, not a forecast.
Net profit
€-60k
- far below sector median
Total assets
€5.02M
+24.6% +32% vs sector
Equity
€913k
-6.2% -53% vs sector
Income taxes
€19k
+160.0% -54% vs sector
Debt
€4.10M
+34.5% +197% vs sector
Debt ≤ 1y
€1.62M
+253.3% far above sector median
Debt > 1y
€2.24M
-7.1% +159% vs sector
Solvency
18.2%
-24.7% -69% vs sector
ROE
-6.6%
- far below sector median
ROA
-1.2%
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€-60k
Cash flown/a
Staff costs-
Income taxes€19k
Dividends-
Total assets€5.02M
Equity€913k
Debt€4.10M
of which ≤ 1y€1.62M
of which > 1y€2.24M
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency18.2%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-1.2%
ROE-6.6%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€5.02M
Fixed assets 21/28€4.69M
Tangible fixed assets 22/27€4.69M
Current assets 29/58€325k
Amounts receivable within one year 40/41€265k
Cash & bank 54/58€52k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€5.02M
Equity 10/15€913k
Contributions / capital 10/11€63k
Accumulated profits (losses) 14€850k
Amounts payable 17/49€4.10M
Amounts payable after one year 17€2.24M
Amounts payable within one year 42/48€1.62M
Income statement
Gross operating margin 9900€425k
Operating result 9901€120k
Financial income 75€11k
Financial charges 65€173k
Result before taxes 9903€-42k
Income taxes 67/77€19k
Net result for the period 9904€-60k
Result to be appropriated 9905€-60k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Establishment units

1 location
Lodewijk De Raetlaan 2, 3900 Pelt
de handel in eigen onroerend goed : flatgebouwen en woningen niet voor bewoning bestemde gebouwen, grond
since 20022.115.361.944
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.2 ha
Buildings1
Building footprint3,778 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72502E0102/00E152 Flanders 1.2 ha 1 · 3,778 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes
Health0Profitability0Solvency12Growth52Stability100
33 / 100

Fragile profile, watch health in particular.

Health 0
Profitability 0
Solvency 12
Growth 52
Stability 100

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector, ranked by comparable size

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Managementactiviteiten van holdings74151Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed70311
Primary activity highlighted.
Names & trade names
Legal nameNL VASTGOED B.N.E.
Registered office
Lodewijk De Raetlaan 2
3900 Pelt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.