VDMTrading
ActiveThe computed 12-month bankruptcy probability of VDMTrading is 2.4% (moderate). The 2025 annual accounts show equity of €52k and a net result of €13k. Its solvency ranks better than 42% of 10242 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency54▼-13
Growth52
Stability82
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.65 in 2024), and 69.9% 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.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
30.1%
Return on assets
7.3%
Age of the figures
8 mo
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 · 2 filingsDeviation from the deadline
2025
1 d early
2024
36 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€52k▲ 32.2%
2024 · €39k
2024: €39k
2024 → 2025
Total assets
€171k▲ 46.7%
2024 · €117k
2024: €117k
2024 → 2025
Net result
€13k▼ 65.1%
2024 · €36k
2024: €36k
2024 → 2025
Working capital
€27k▲ 18.8%
2024 · €22k
2024: €22k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€39k-€52k▲ 32.2%
Operating result€49k-€16k▼ 66.8%
Net result€36k-€13k▼ 65.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€57k▼ 5.1%
Current assets
€115k▲ 101%
Equity and liabilities €171k
Equity
€52k▲ 32.2%
Debt
€120k▲ 53.9%
The debt ratio rises from 66.6% to 69.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€29k▼
2024 · €55k
Cash flow
€26k▼
2024 · €42k
Solvency
30.1%▼
2024 · 33.4%
Current ratio
1.30▼
2024 · 1.65
Quick ratio
1.02▼
2024 · 1.65
Debt / equity
2.32▲
2024 · 1.99
ROE
24.4%▼
2024 · 92.3%
ROA
7.3%▼
2024 · 30.8%
Interest coverage
13.30▼
2024 · 67.49
Debt
€120k▲
2024 · €78k
Debt ≤ 1 year
€88k▲
2024 · €35k
Debt > 1 year
€32k▼
2024 · €43k
Income taxes
€5k▼
2024 · €15k
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€117k€171k▲
Fixed assets21/28€60k€57k▼
Tangible fixed assets22/27€60k€52k▼
Plant, machinery and equipment23€2k€7k▲
Furniture and vehicles24€58k€45k▼
Financial fixed assets28-€5k
Current assets29/58€57k€115k▲
Stocks and contracts in progress3-€25k
Stocks30/36-€25k
Amounts receivable within one year40/41€13k€49k▲
Trade receivables40€10k€30k▲
Other amounts receivable41€3k€19k▲
Cash at bank and in hand54/58€43k€37k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€117k€171k▲
Equity10/15€39k€52k▲
Contributions10/11€3k€3k=
Reserves13€36k€49k▲
Distributable reserves133€36k€49k▲
Profit (loss) carried forward14€45€79▲
Amounts payable17/49€78k€120k▲
Amounts payable after more than one year17€43k€32k▼
Financial debts170/4€43k€32k▼
Amounts payable within one year42/48€35k€88k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€2k€66k▲
Suppliers440/4€2k€66k▲
Taxes, remuneration and social security45€22k€11k▼
Taxes450/3€22k€8k▼
Remuneration and social security454/9-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€13k▲
Other operating charges640/8€409€1k▲
Gross operating margin9900€55k€31k▼
Operating profit (loss)9901€49k€16k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€816€2k▲
Recurring financial charges65€816€2k▲
Profit (loss) for the period before taxes9903€51k€17k▼
Income taxes67/77€15k€5k▼
Profit (loss) for the period9904€36k€13k▼
Profit (loss) for the period to be appropriated9905€36k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€13k▼
Profit (loss) brought forward from the previous period14P-€45
Transfer to equity691/2€36k€13k▼
To other reserves6921€36k€13k▼
The notes to these accounts (10 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
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, Pelt · 2 establishment units since 2023
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.
Wilhelm Schulteplein 53900 PeltGround area
2,935 m²
Building footprint
1,010 m²
Volume, LiDAR
5,399 m³
2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
VDM Trading
since 20232.351.082.931
VDM Trading
since 20252.380.919.834
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502E0102/00P160 | Flanders | 2,574 m² | 1 · 793 m² | 8.9 m · 2 fl. |
| 72502E0102/00V162 | Flanders | 361 m² | 1 · 216 m² | 3.3 m |
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.
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Of 24 companies in sector 47813 we hold annual accounts for 9. 5 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2023
Fiscal year end31-12
Activities, NACEBEL
47813Retail trade
46713Wholesale trade
46720Wholesale of motor vehicle parts and accessories
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.