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VDB&CO

Active
Private limited companyfounded 2019active for 7 yearsBaron de Gieylaan 105A, 9840 Nazareth-De Pinte, BelgiumKBO/BCE: BE 0717.688.548
Summary

VDB&CO has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of €174,892. Equity has been growing by about 66% per year since 2019. Its solvency ranks better than 69% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 04-01-2019 Normal situation
Activity
Retail sale of bicycles NACE 47632
Establishment unit
2.283.901.622 9840 Nazareth-De Pinte, since 04-01-2019
Financial year end
31 December
Peppol
Reachable since 27-01-2026

Financial position

89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€241,273
▼ 26.7%
Turnover
≈ €1.4m
estimated
Profit
€174,892
▼ 53.8%
Equity
€1.5m
▲ 9.6%
Total assets
€2.7m
▲ 6.7%
Employees on 31-12-2025
3
▲ 50.0%
Filed on 30-07-2026, 1 day before the deadline
Score breakdownraises riskFounded in 2019Sector: Retail trade (NACE 47)lowers riskFigures for financial year 2025 (filed on 30-07-2026)Size: 2.1 FTE, total assets €2.7mShow the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 65% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 80+1
equity 55.0% of total assets
Liquidity 61+6
short-term debt 6.5% · cash 9.1%
Profitability 77-10
return on assets 6.5%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.4%▲ +0.1 percentage points vs 04-2025 06-2025: 0.5%▲ +0.1 percentage points vs 05-2025 07-2025: 0.6%▲ +0.1 percentage points vs 06-2025 08-2025: 1.0%▲ +0.4 percentage points vs 07-2025highest value 09-2025: 0.3%▼ -0.7 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.4%▲ +0.1 percentage points vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.5%▲ +0.1 percentage points vs 04-2026 06-2026: 0.6%▲ +0.1 percentage points vs 05-2026 07-2026: 0.7%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%▼ -0.4 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.2%▼ -0.1 percentage points vs 09-2026lowest value 11-2026: 0.2%● unchanged vs 10-2026lowest value
Credit of up to €130,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.23 (4.95 in 2024), above the usual 1.5. Short-term debt is 6.5% and cash 9.1% of total assets. 45% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 69% of them on solvency, 68% on liquidity, 65% on profitability and 60% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Figures for financial year 2025 (filed on 30-07-2026)
NBB · annual accounts
lowers risk · Size: 2.1 FTE, total assets €2.7m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Founded in 2019
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
1 day early
2024
1 day early
2023
1 day early
2022
2 days early
2021
3 days early
2020
32 days early
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 6 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More equity than 92% of companies in retail tradesector median €236,771 · 12,767 companies €1.5m View
  • Caution: Result fell in 2025from €378,207 to €174,892 ▼ 53.8% View
  • Positive: Always filed on timeaccounts within the deadline every year 7 years View
  • Positive: 7 profitable years in a rowprofit 2025: €174,892 7 years View

Recent changes

  1. · Gazette deed Changes of role: VanJurgen (niet statutairbestuurder) and BAMACO (niet statutairbestuurder)Permanent representatives: VAN DROOGENBROECK Jurgen and COOMAN Bart
  2. · Gazette deed Incorporation
All 14 events

Comparable companies

These companies have the same main activity as VDB&CO: retail sale of bicycles (NACE 47632). They are comparable in size and age: total assets between €1.9m and €2.2m, founded between 2016 and 2020.

CompanyTotal assetsGross margin
VDB&CO Nazareth-De Pinte€2.7m€0.2m
CAMMAERTS BIKES Namur€1.9m€0.3m
CHRISTOPHE BIKES Sint-Genesius-Rode€2.2m€0.4m
Bike World Heist Knokke-Heist€2.0m€0.3m
Feys Middelkerke€2.1m€0.3m
FIETSEN TIM Kasterlee€2.1m€0.4m
VF BIKE Arlon€2.0m€0.3m
Full comparison

Key facts about VDB&CO

What is the company number of VDB&CO?
The company number of VDB&CO is 0717.688.548. The VAT number is the same number with BE in front: BE 0717.688.548.
Where is VDB&CO based?
The registered office is at Baron de Gieylaan 105A, 9840 Nazareth-De Pinte.Company details
What does VDB&CO do?
According to the KBO register, the main activity is retail sale of bicycles (NACE 47632).
What is the legal form of VDB&CO?
The legal form of VDB&CO is Private limited company (BV).
When was VDB&CO founded?
VDB&CO was founded on 04-01-2019.
Is VDB&CO still active?
Yes, VDB&CO is an active enterprise in the KBO register.
How many employees does VDB&CO have?
VDB&CO had an average of 2.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of VDB&CO?
The turnover in financial year 2025 is ≈ €1.4m. This figure is estimated from the gross margin of €241,273 and 160 comparable companies (NACE 47). It probably lies between €870,000 and €2.5m.
Is VDB&CO profitable?
In financial year 2025, VDB&CO made a profit of €174,892.
Where can I find the annual accounts of VDB&CO?
VDB&CO filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of VDB&CO due?
VDB&CO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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