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VDA

Active
Private limited company·Detailhandel in wijnen en geestrijke dranken· 5 yrs active
Gierenshof 21 ·3600 Genk, Belgium
BE 0758.859.110
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age5 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VDA is 3.6% (moderate). The 2024 annual accounts show negative equity (€-54k) and a net result of €-41k. Equity is shrinking by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 11% of 6655 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
3.6% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

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

Trust signals

3 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
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

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-41k
Working capital€-66k-119.7%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 12-08-2025 with the NBB · fiscal year 2024 · micro
€-60k€-40k€-20k€0€20k€40kOperating result 2021: €-29k€-29kNet result 2021: €-29k€-29kOperating result 2022: €-23k€-23kNet result 2022: €-24k€-24kOperating result 2023: €35k€35kNet result 2023: €34k€34kOperating result 2024: €-40k€-40kNet result 2024: €-41k€-41k2021202220232024
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 ~18.6%/year over 4 fiscal years, indicative, assuming unchanged policy.
€-125k€-100k€-75k€-50k€-25k2025: €-56k (€-71k - €-41k)2026: €-63k (€-87k - €-38k)2027: €-69k (€-103k - €-36k)2021: €-24k2022: €-48k2023: €-14k2024: €-54k2021202220232024202520262027
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 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -71.5% 20.3%
better than 11% of 6655 sector peers
Net result €-41k €4k
better than 6% of 6636 sector peers
Equity €-54k €16k
better than 6% of 6669 sector peers
Gross operating margin €-27k €24k
better than 5% of 6615 sector peers
Total assets €76k €94k
better than 43% of 6659 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-34k
- far below sector median
Net profit
€-41k
- far below sector median
Cash flow
€-35k
- far below sector median
Total assets
€76k
-32.6% -87% vs sector
Equity
€-54k
-298.7% far below sector median
Working capital
€-66k
-119.7% far below sector median
Income taxes
€225
+27.1% -91% vs sector
Debt
€131k
+3.0% -54% vs sector
Debt ≤ 1y
€131k
+3.0% -47% vs sector
Current ratio
0.49
-35.2% -65% vs sector
Quick ratio
0.30
-33.5% -51% vs sector
Solvency
-71.5%
-492.0% far below sector median
Debt / equity
-2.40
+74.2% far below sector median
ROE
74.9%
- far above sector median
ROA
-53.5%
- far below sector median
Interest coverage
-91.31
- -226% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€-34k
Net profit€-41k
Cash flow€-35k
Staff costs-
Income taxes€225
Dividends-
Total assets€76k
Equity€-54k
Debt€131k
of which ≤ 1y€131k
of which > 1y-
Working capital€-66k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.49
Quick ratio0.30
Working capital ratio-86.8%
Solvency-71.5%
Debt / equity-2.40
Long-term debt ratio-
Interest coverage-91.31
Gross margin-
Net margin-
ROA-53.5%
ROE74.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
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€76k
Fixed assets 21/28€12k
Intangible fixed assets 21€523
Tangible fixed assets 22/27€11k
Current assets 29/58€65k
Stocks & contracts in progress 3€25k
Amounts receivable within one year 40/41€19k
Cash & bank 54/58€20k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€76k
Equity 10/15€-54k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-59k
Amounts payable 17/49€131k
Amounts payable within one year 42/48€131k
Trade debts payable within one year 44€20k
Income statement
Gross operating margin 9900€-27k
Operating result 9901€-40k
Financial income 75€28
Financial charges 65€377
Result before taxes 9903€-41k
Income taxes 67/77€225
Net result for the period 9904€-41k
Result to be appropriated 9905€-41k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
7 / 100 Critical
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
seat.Municipality exact location from the address register

Establishment units

1 location
Vinoteca Dell'Arte
Gierenshof 21, 3600 GenkHandelsbemiddeling in de groothandel in andere specifieke goederen
since 20202.310.168.628
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area773 m²
Buildings1
Building footprint148 m²
Volume (LiDAR)1,026 m³
Tallest building9.6 m · ±2 fl.

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.
71302A0481/00G000 Flanders 773 m² 1 · 148 m² 9.6 m · 2 fl.
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
Health7Profitability100Solvency33Growth32Stability94
53 / 100

Mixed profile: strong on profitability, weaker on health.

Health 7
Profitability 100
Solvency 33
Growth 32
Stability 94

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Credit advice

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

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in wijnen en geestrijke dranken in gespecialiseerde winkels47251Detailhandel in wijnen en geestrijke dranken47251Vervaardiging van wijn uit druiven11020Vervaardiging van wijn uit druiven11020Groothandel in wijnen en geestrijke dranken46341Groothandel in wijnen en geestrijke dranken46341Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameNL VDA
Registered office
Gierenshof 21
3600 Genk, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.