VD AUTO
ActiveVD AUTO has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €217k and a net result of €23k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 29% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-12
Solvency44▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.14 in 2024; short-term debt: 77.5% and cash: 15.5% of total assets), and 80.8% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
19.2%
Return on assets
2%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
on the day
2023
30 d late
2022
9 d late
2021
31 d late
2020
31 d late
2019
80 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€217k▲ 11.9%
2024 · €194k
2018: €66k
2019: €71k
2020: €94k
2021: €100k
2022: €122k
2023: €138k
2024: €194k
2018 → 2025
Total assets
€1.13M▲ 4.8%
2024 · €1.08M
2018: €365k
2019: €486k
2020: €536k
2021: €592k
2022: €700k
2023: €854k
2024: €1.08M
2018 → 2025
Net result
€23k▼ 58.4%
2024 · €55k
2018: €4k
2019: €6k
2020: €23k
2021: €5k
2022: €22k
2023: €17k
2024: €55k
2018 → 2025
Working capital
€162k▲ 39.0%
2024 · €117k
2018: €57k
2019: €68k
2020: €88k
2021: €83k
2022: €94k
2023: €100k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€122k▲ 22.2%€138k▲ 13.7%€194k▲ 40.1%€217k▲ 11.9%
Operating result€8k-€30k▲ 279%€25k▼ 16.6%€81k▲ 222%€46k▼ 43.2%
Net result€5k-€22k▲ 310%€17k▼ 24.3%€55k▲ 232%€23k▼ 58.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.13M
Fixed assets
€91k▼ 22.5%
Current assets
€1.04M▲ 8.1%
Equity and liabilities €1.13M
Equity
€217k▲ 11.9%
Debt
€912k▲ 3.2%
The debt ratio falls from 82.0% to 80.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▼
2024 · €90k
Cash flow
€34k▼
2024 · €65k
Solvency
19.2%▲
2024 · 18.0%
Current ratio
1.19▲
2024 · 1.14
Quick ratio
0.21▲
2024 · 0.15
Debt / equity
4.20▼
2024 · 4.56
ROE
10.6%▼
2024 · 28.6%
ROA
2.0%▼
2024 · 5.2%
Interest coverage
4.99▼
2024 · 36.81
Debt
€912k▲
2024 · €883k
Debt ≤ 1 year
€875k▲
2024 · €842k
Debt > 1 year
€37k▼
2024 · €41k
Income taxes
€11k▼
2024 · €23k
Staff costs
€280▲
2024 · €220
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€1.08M€1.13M▲
Fixed assets21/28€118k€91k▼
Tangible fixed assets22/27€117k€91k▼
Land and buildings22€61k€56k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€50k€31k▼
Financial fixed assets28€500€500=
Current assets29/58€959k€1.04M▲
Stocks and contracts in progress3€836k€853k▲
Stocks30/36€836k€853k▲
Amounts receivable within one year40/41€102k€8k▼
Trade receivables40€87k-
Other amounts receivable41€15k€8k▼
Cash at bank and in hand54/58€21k€175k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.13M▲
Equity10/15€194k€217k▲
Contributions10/11€19k€19k=
Reserves13€50k€73k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€48k€71k▲
Profit (loss) carried forward14€125k€126k▲
Amounts payable17/49€883k€912k▲
Amounts payable after more than one year17€41k€37k▼
Financial debts170/4€41k€37k▼
Amounts payable within one year42/48€842k€875k▲
Current portion of amounts payable after more than one year42€242k€246k▲
Trade debts44€14k€9k▼
Suppliers440/4€14k€9k▼
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€24k€25k▲
Taxes450/3€199€2k▲
Remuneration and social security454/9€24k€23k▼
Other amounts payable47/48€562k€588k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€220€280▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€15k€4k▼
Gross operating margin9900€106k€61k▼
Operating profit (loss)9901€81k€46k▼
Financial income75/76B€6€2▼
Recurring financial income75€6€2▼
Financial charges65/66B€2k€11k▲
Recurring financial charges65€2k€11k▲
Profit (loss) for the period before taxes9903€78k€34k▼
Income taxes67/77€23k€11k▼
Profit (loss) for the period9904€55k€23k▼
Profit (loss) for the period to be appropriated9905€55k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€145k€148k▲
Profit (loss) brought forward from the previous period14P€90k€125k▲
Transfer to equity691/2€20k€23k▲
To other reserves6921€20k€23k▲
The notes to these accounts (10 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €217k ▲11.9%
8 profitable years in a row build equity to €217k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €55k ▲232%
Operating result €81k, net result €55k, both a record.
31-12
Financial
Equity above €150kEq €194k ▲40.1%
7 profitable years in a row build equity to €194k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 9 days late
2022
31-12
Financial
Equity above €100kEq €122k ▲22.2%
5 profitable years in a row build equity to €122k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 80 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
02-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 245 days late
2017
18-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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 1978
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.
Kattenbos 1063920 LommelGround area
1,065 m²
Building footprint
228 m²
Volume, LiDAR
1,061 m³
Parcel 72344D0410/00E000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kattenbos 106, 3920 Lommel
since 19782.014.898.648
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72344D0410/00E000 | Flanders | 1,065 m² | 1 · 228 m² | 7.1 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
EUROCARROSSERIE
BE 0879.702.601
Braine-le-Comte · Eq €217k
ELLINORE
BE 0828.735.039
Antwerpen · Eq €217k
CARROMNIA
BE 0432.360.573
Mons · Eq €217k
GOOSSE AUTOS
BE 0834.276.511
Bastogne · Eq €217k
GARAGE GUISSARD
BE 0440.932.009
Chiny · Eq €217k
Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 3,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-1978
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45112
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.