VDB SCHILDERWERKEN
ActiveThe computed 12-month bankruptcy probability of VDB SCHILDERWERKEN is 2.7% (moderate). The 2025 annual accounts show equity of €29k and a net result of €-13k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 27559 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-62
Solvency41▼-13
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.11 against 1.34 in 2024; short-term debt: 83.8% and cash: 15.7% of total assets), and 83.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
16.2%
Return on assets
-7.6%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27559 sector peers (2025).
NBB · sector comparisonPosition among 27559 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-10-2025, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
7 d early
2024
31 d early
2023
24 d early
2022
25 d early
2021
31 d early
2020
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 31.8%
2024 · €42k
2020: €13k
2021: €25k
2022: €30k
2023: €40k
2024: €42k
2020 → 2025
Total assets
€178k▲ 23.3%
2024 · €144k
2020: €50k
2021: €154k
2022: €176k
2023: €149k
2024: €144k
2020 → 2025
Net result
€-13k
2024 · €2k
2020: €690
2021: €12k
2022: €5k
2023: €10k
2024: €2k
2020 → 2025
Working capital
€17k▼ 49.4%
2024 · €33k
2020: €10k
2021: €18k
2022: €22k
2023: €29k
2024: €33k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€30k▲ 20.7%€40k▲ 34.5%€42k▲ 5.7%€29k▼ 31.8%
Operating result€14k-€7k▼ 47.5%€15k▲ 109%€5k▼ 66.3%€-12k
Net result€12k-€5k▼ 56.0%€10k▲ 102%€2k▼ 77.7%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €5k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€12k▼ 7.6%
Current assets
€166k▲ 26.4%
Equity and liabilities €178k
Equity
€29k▼ 31.8%
Debt
€149k▲ 46.1%
The debt ratio rises from 70.7% to 83.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1k▼
2024 · €14k
Cash flow
€-3k▼
2024 · €11k
Solvency
16.2%▼
2024 · 29.3%
Current ratio
1.11▼
2024 · 1.34
Quick ratio
1.11▼
2024 · 1.33
Debt / equity
5.17▲
2024 · 2.41
ROE
-46.6%▼
2024 · 5.4%
ROA
-7.6%▼
2024 · 1.6%
Interest coverage
-0.73▼
2024 · 7.44
Debt
€149k▲
2024 · €102k
Debt ≤ 1 year
€149k▲
2024 · €98k
Staff costs
€249k▲
2024 · €221k
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€144k€178k▲
Fixed assets21/28€13k€12k▼
Tangible fixed assets22/27€13k€12k▼
Plant, machinery and equipment23€719€7k▲
Furniture and vehicles24€12k€5k▼
Current assets29/58€131k€166k▲
Stocks and contracts in progress3€530€370▼
Stocks30/36€530€370▼
Amounts receivable within one year40/41€99k€128k▲
Trade receivables40€94k€126k▲
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€22k€28k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€144k€178k▲
Equity10/15€42k€29k▼
Contributions10/11€12k€12k=
Profit (loss) carried forward14€30k€16k▼
Amounts payable17/49€102k€149k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€98k€149k▲
Current portion of amounts payable after more than one year42€7k€4k▼
Trade debts44€11k€11k▲
Suppliers440/4€11k€11k▲
Taxes, remuneration and social security45€10k€15k▲
Taxes450/3€2k€5k▲
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€70k€120k▲
Accrued charges and deferred income492/3€3-
Income statement
Code20242025
Remuneration, social security and pensions62€221k€249k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€1k€885▼
Gross operating margin9900€236k€249k▲
Operating profit (loss)9901€5k€-12k▼
Financial income75/76B€36€1▼
Recurring financial income75€36€1▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€3k€-13k▼
Income taxes67/77€941-
Profit (loss) for the period9904€2k€-13k▼
Profit (loss) for the period to be appropriated9905€2k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€16k▼
Profit (loss) brought forward from the previous period14P€28k€30k▲
The notes to these accounts (5 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
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-13k ▼688%
Net result drops to €-13k, the lowest in the series.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2020net €12k ▲1575%
Net result €12k, the highest in the series.
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Poperinge · 1 establishment unit since 2018
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.
Ieperstraat 28970 PoperingeGround area
264 m²
Building footprint
250 m²
Volume, LiDAR
1,868 m³
Parcel 33021F0642/00K000, Flanders · tallest building 16.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VDB SCHILDERWERKEN
since 20182.283.162.838
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33021F0642/00K000 | Flanders | 264 m² | 1 · 250 m² | 16.5 m · 3 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.
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SRL CABUT JONATHAN
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GEBROKEN WIT
BE 0717.771.492
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B.W.DECOR
BE 0687.983.782
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Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2018
Fiscal year end31-03
Activities, NACEBEL
43341Painting of buildings
43350Other building finishing work
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.