VDD Living
ActiveThe computed 12-month bankruptcy probability of VDD Living is 3.0% (moderate). The 2025 annual accounts show negative equity (€-25k) and a net result of €-12k. Equity is shrinking by ~139.2% per year across the filed fiscal years. Its solvency ranks better than 12% of 18237 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-4
Growth32=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.38 against 0.53 in 2024; short-term debt: 158.9% and cash: 21.6% of total assets), and equity is negative.
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 · 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
-59.1%
Return on assets
-27.4%
Age of the figures
9 mo
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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-25k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
22 d early
2023
15 d early
2022
18 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-25k▼ 86.2%
2024 · €-14k
2022: €694
2023: €-1k
2024: €-14k
2022 → 2025
Total assets
€43k▼ 33.5%
2024 · €64k
2022: €45k
2023: €44k
2024: €64k
2022 → 2025
Net result
€-12k▲ 6.5%
2024 · €-13k
2022: €-4k
2023: €-2k
2024: €-13k
2022 → 2025
Working capital
€-42k▼ 14.8%
2024 · €-37k
2022: €-3k
2023: €-5k
2024: €-37k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€694-€-1k€-14k▼ 1,184%€-25k▼ 86.2%
Operating result€-3k-€-1k▲ 56.4%€-12k▼ 699%€-11k▲ 4.2%
Net result€-4k-€-2k▲ 59.3%€-13k▼ 615%€-12k▲ 6.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €12k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€17k▼ 25.5%
Current assets
€26k▼ 37.4%
Key figures and ratios
EBITDA
€-5k▲
2024 · €-6k
Cash flow
€-6k▲
2024 · €-6k
Solvency
-59.1%▼
2024 · -21.1%
Current ratio
0.38▼
2024 · 0.53
Quick ratio
0.15▼
2024 · 0.17
Debt / equity
-2.69▲
2024 · -5.74
ROA
-27.4%▼
2024 · -19.5%
Interest coverage
-17.45▼
2024 · -9.05
Debt
€68k▼
2024 · €78k
Debt ≤ 1 year
€68k▼
2024 · €78k
Income taxes
€141▲
2024 · €126
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€64k€43k▼
Formation expenses20€431€65▼
Fixed assets21/28€23k€17k▼
Intangible fixed assets21€250€50▼
Tangible fixed assets22/27€22k€16k▼
Plant, machinery and equipment23€924€504▼
Furniture and vehicles24€21k€16k▼
Financial fixed assets28€900€900=
Current assets29/58€41k€26k▼
Stocks and contracts in progress3€28k€15k▼
Stocks30/36€28k€15k▼
Amounts receivable within one year40/41€5k€782▼
Trade receivables40€5k€753▼
Other amounts receivable41€96€29▼
Cash at bank and in hand54/58€4k€9k▲
Deferred charges and accrued income490/1€4k€494▼
Equity and liabilities
Total equity and liabilities10/49€64k€43k▼
Equity10/15€-14k€-25k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-19k€-30k▼
Amounts payable17/49€78k€68k▼
Amounts payable within one year42/48€78k€68k▼
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€126€4k▲
Taxes450/3€126€2k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€66k€59k▼
Accrued charges and deferred income492/3-€87
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€2k€418▼
Gross operating margin9900€-4k€-5k▼
Operating profit (loss)9901€-12k€-11k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€627€293▼
Recurring financial charges65€627€293▼
Profit (loss) for the period before taxes9903€-12k€-12k▲
Income taxes67/77€126€141▲
Profit (loss) for the period9904€-13k€-12k▲
Profit (loss) for the period to be appropriated9905€-13k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-30k▼
Profit (loss) brought forward from the previous period14P€-6k€-19k▼
The notes to these accounts (11 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ingelmunster · 1 establishment unit since 2021
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.
Bruggestraat 2058770 IngelmunsterGround area
304 m²
Building footprint
123 m²
Volume, LiDAR
698 m³
Parcel 36007A0812/00P000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDD Living
since 20212.313.613.613
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007A0812/00P000 | Flanders | 304 m² | 1 · 123 m² | 7.5 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
DEUX PAYSANS
BE 0787.776.293
Liège · Eq €698
HOME CONCEPT F.L.
BE 0784.970.322
Frameries · Eq €802
AMNOTRIM
BE 0821.442.421
Leuven · Eq €601
Villa Viveré
BE 0537.153.534
Koksijde · Eq €591
SANIDIF
BE 0726.572.362
Estaimpuis · Eq €817
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 125 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2021
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
47530Retail trade
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.vddliving.be
E-mail:info@vddliving.be