VDBM-SERVICE
ActiveVDBM-SERVICE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €347k and a net result of €24k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability53▲+9
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 0.83 in 2023; short-term debt: 6.2% and cash: 3.1% of total assets), and 9.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
90.6%
Return on assets
6.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
90 d late
2023
57 d late
2021
58 d late
2020
37 d early
2019
18 d late
2018
23 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€347k▲ 7.5%
2023 · €323k
2018: €233k
2019: €249k
2020: €280k
2021: €289k
2023: €323k
2018 → 2024
Total assets
€383k▲ 1.9%
2023 · €376k
2018: €333k
2019: €319k
2020: €335k
2021: €330k
2023: €376k
2018 → 2024
Net result
€24k▲ 133%
2023 · €10k
2018: €34k
2019: €16k
2020: €31k
2021: €9k
2023: €10k
2018 → 2024
Working capital
€9k
2023 · €-5k
2018: €-19k
2019: €-29k
2020: €-8k
2021: €-9k
2023: €-5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120232024Trend
Equity€249k-€280k▲ 12.6%€289k▲ 3.1%€323k▲ 11.7%€347k▲ 7.5%
Operating result€25k-€57k▲ 129%€13k▼ 77.2%€16k▲ 20.5%€34k▲ 122%
Net result€16k-€31k▲ 97.4%€9k▼ 72.4%€10k▲ 19.4%€24k▲ 133%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 122% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €383k
Fixed assets
€350k=
Current assets
€33k▲ 27.4%
Equity and liabilities €383k
Equity
€347k▲ 7.5%
Debt
€36k▼ 32.3%
The debt ratio falls from 14.1% to 9.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
90.6%▲
2023 · 85.9%
Current ratio
1.37▲
2023 · 0.83
Quick ratio
1.37▲
2023 · 0.83
Debt / equity
0.10▼
2023 · 0.16
ROE
7.0%▲
2023 · 3.2%
ROA
6.3%▲
2023 · 2.8%
Debt
€36k▼
2023 · €53k
Debt ≤ 1 year
€24k▼
2023 · €31k
Debt > 1 year
€12k▼
2023 · €22k
Income taxes
€10k▲
2023 · €4k
Staff costs
€51k▲
2023 · €22k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€376k€383k▲
Fixed assets21/28€350k€350k=
Financial fixed assets28€350k€350k=
Current assets29/58€26k€33k▲
Amounts receivable within one year40/41€11k€21k▲
Trade receivables40€9k€19k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€12k€12k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€376k€383k▲
Equity10/15€323k€347k▲
Contributions10/11€20k€20k=
Capital10-€20k
Issued capital100-€20k
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130-€2k
Other1319€2k-
Profit (loss) carried forward14€301k€325k▲
Amounts payable17/49€53k€36k▼
Amounts payable after more than one year17€22k€12k▼
Financial debts170/4€22k€12k▼
Amounts payable within one year42/48€31k€24k▼
Current portion of amounts payable after more than one year42€10k€10k▼
Trade debts44€4k€445▼
Suppliers440/4€4k€445▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€14k€10k▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€681€135▼
Income statement
Code20232024
Remuneration, social security and pensions62€22k€51k▲
Other operating charges640/8€493€505▲
Gross operating margin9900€39k€86k▲
Operating profit (loss)9901€16k€34k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€811€435▼
Recurring financial charges65€811€435▼
Profit (loss) for the period before taxes9903€15k€34k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€10k€24k▲
Profit (loss) for the period to be appropriated9905€10k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€301k€325k▲
Profit (loss) brought forward from the previous period14P€290k€301k▲
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 90 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Weakest financial yearnet €9k ▼72.4%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 234 days late
2018
07-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 219 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
2015
21-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 21 days late
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, Aartselaar · 1 establishment unit since 2006
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.
Cleydaellaan 162630 AartselaarGround area
1.6 ha
Building footprint
56 m²
Volume, LiDAR
503 m³
2 parcels, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VDBM-SERVICE
since 20062.158.534.565
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11372A0096/00B000 | Flanders | 1.5 ha | - | - |
| 11809I2497/00X005 | Flanders | 202 m² | 1 · 56 m² | 13.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Vannoote Koeltechniek
BE 0644.925.284
Kortemark · Eq €347k
BERNAERT & C°
BE 0864.003.348
Middelkerke · Eq €347k
BOTT
BE 0455.388.967
Oudenaarde · Eq €347k
HERMAN VANDEBROUCK
BE 0419.473.332
Zoersel · Eq €347k
R-COTEC
BE 0441.950.905
Beveren-Kruibeke-Zwijndrecht · Eq €347k
Of 9,531 companies in sector 43222 we hold annual accounts for 5,661. 4,424 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-12-2006
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.