Active BE 0765.202.811Private limited company

VBC-CONSTRUCT

Steenweg 233 ·3890 Gingelom, Belgium· 5 yrs active

Sector: Algemene bouw van residentiële gebouwen (41001)

Conclusion Checked

The computed 12-month bankruptcy probability of VBC-CONSTRUCT is 2.3% (moderate). The 2024 annual accounts show equity of €38k and a net result of €17k. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 39% of 3827 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€38k
Net result	€17k
Better than sector	39%
Active	5 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

73 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 100

Solvency 55

Growth 32

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

2.3% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 08-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~4.5%/year over 4 fiscal years, indicative, assuming unchanged policy.

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 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	30.5%	39.4%	better than 39% of 3827 sector peers
Net result	€17k	€9k	better than 64% of 3824 sector peers
Equity	€38k	€29k	better than 59% of 3832 sector peers
Gross operating margin	€24k	€26k	better than 47% of 3822 sector peers
Total assets	€126k	€85k	better than 65% of 3828 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€21k

- 21-24

Net profit

€17k

- 21-24

Cash flow

€22k

- 21-24

Total assets

€126k

+108.4% 21-24

Equity

€38k

+81.7% 21-24

Working capital

€30k

+195.7% 21-24

Income taxes

€775

-91.1% 21-24

Debt

€88k

+122.6% 21-24

Debt ≤ 1y

€88k

+122.6% 21-24

Current ratio

1.34

+6.7% 21-24

Quick ratio

1.07

+25.3% 21-24

Solvency

30.5%

-12.8% 21-24

Debt / equity

2.28

+22.5% 21-24

ROE

45.0%

- 21-24

ROA

13.7%

- 21-24

Interest coverage

115.08

- 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€21k
Net profit	€17k
Cash flow	€22k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€126k
Equity	€38k
Debt	€88k
of which ≤ 1y	€88k
of which > 1y	-
Working capital	€30k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.34
Quick ratio	1.07
Working capital ratio	23.7%
Solvency	30.5%
Debt / equity	2.28
Long-term debt ratio	-
Interest coverage	115.08
Gross margin	-
Net margin	-
ROA	13.7%
ROE	45.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €9k · 6.8% Current assets €117k · 93.2%

Equity & liabilities

Equity €38k · 30.5% Debt €88k · 69.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€126k
Fixed assets	21/28	€9k
Tangible fixed assets	22/27	€9k
Current assets	29/58	€117k
Stocks & contracts in progress	3	€24k
Amounts receivable within one year	40/41	€84k
Cash & bank	54/58	€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€126k
Equity	10/15	€38k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€33k
Amounts payable	17/49	€88k
Amounts payable within one year	42/48	€88k
Trade debts payable within one year	44	€79k
Income statement
Gross operating margin	9900	€24k
Operating result	9901	€17k
Financial income	75	€824
Financial charges	65	€182
Result before taxes	9903	€17k
Net result for the period	9904	€17k
Result to be appropriated	9905	€17k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

Brantz Jean-Paul
Director
State Gazette act 24030050 (19-02-2024)

Current
24-11-2023 → present

Former directors (1)

Vanherf Ilse
Director
State Gazette act 24030050 (19-02-2024)

Former
- → 24-11-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Algemene bouw van residentiële gebouwen(41001)
Legal form	Private limited company(610)
Incorporation	15-03-2021
Status	Active
Postal code	3890

Establishment units 1 location

VBC-CONSTRUCT

Steenweg 233, 3890 GingelomVervaardiging van geassembleerde parketvloeren

since 20212.314.795.132

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

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.
71017B0057/00F002indicative	Flanders	184 m²	-	-

Methodology

via registered seat: 1

0 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

08-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

19-06-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

19-02-2024

State Gazette act Director changes

2023

03-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

31-08-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

19-02-2024 1 director appointed, 1 resigning Director changes

Brantz Jean-Paul, Bestuurder
Vanherf Ilse, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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

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Company registry (CBE) Crossroads Bank

Activities

Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Algemene bouw van andere niet-residentiële gebouwen41003Algemene bouw van andere niet-residentiële gebouwen41203Schrijnwerk43320Schrijnwerk43320Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en lease van machines, apparatuur en handgereedschap voor doe-het-zelvers77221Verhuur en lease van machines, apparatuur en handgereedschap voor doe-het-zelvers77291

Primary activity highlighted.

Names & trade names

Legal nameNL

VBC-CONSTRUCT

Registered office

Steenweg 233 bus 103

3890 Gingelom, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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