VDS AANNEMINGEN

Active

Private limited companyfounded 20223 yrs activeKeizerstraat 40, 8310 Brugge, BelgiumKBO/BCE: BE 0795.483.340

The computed 12-month bankruptcy probability of VDS AANNEMINGEN is 2.4% (moderate). The 2025 annual accounts show equity of €23k and a net result of €6k. Equity is growing by ~41.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 27450 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

71 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability84▼-2

Solvency71▲+16

Growth52▼-26

Track record94

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity tight (current ratio 1.36 against 1.06 in 2024; short-term debt: 54.2% and cash: 72.4% of total assets), and 54.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

45.8%

Return on assets

12.1%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

28 d early

2024

6 d early

2023

22 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

16-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€23k▲ 35.9%

2024 · €17k

2023: €9k 2024: €17k

2023 → 2025

Total assets

€50k▼ 11.5%

2024 · €56k

2023: €57k 2024: €56k

2023 → 2025

Net result

€6k▼ 24.4%

2024 · €8k

2023: €8k 2024: €8k

2023 → 2025

Working capital

€10k▲ 360%

2024 · €2k

2023: €-3k 2024: €2k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€9k-€17k▲ 90.4%€23k▲ 35.9%

Operating result€11k-€13k▲ 21.6%€10k▼ 26.6%

Net result€8k-€8k▲ 2.0%€6k▼ 24.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 27% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €50k

26.6%

73.4%

Fixed assets €13k▼ 27.2%

Current assets €36k▼ 4.0%

Equity and liabilities €50k

45.8%

54.2%

Equity €23k▲ 35.9%

Debt €27k▼ 31.7%

The debt ratio falls from 70.2% to 54.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€20k▼

2024 · €23k

Cash flow

€16k▼

2024 · €18k

Solvency

45.8%▲

2024 · 29.8%

Current ratio

1.36▲

2024 · 1.06

Quick ratio

1.34▲

2024 · 1.03

Debt / equity

1.18▼

2024 · 2.35

ROE

26.4%▼

2024 · 47.5%

ROA

12.1%▼

2024 · 14.2%

Interest coverage

13.64▲

2024 · 8.19

Debt

€27k▼

2024 · €39k

Debt ≤ 1 year

€27k▼

2024 · €36k

Debt > 1 year

€0▼

2024 · €3k

Income taxes

€2k▼

2024 · €3k

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€56k€50k▼

Fixed assets21/28€18k€13k▼

Tangible fixed assets22/27€18k€13k▼

Plant, machinery and equipment23€8k€9k▲

Furniture and vehicles24€10k€4k▼

Current assets29/58€38k€36k▼

Stocks and contracts in progress3€950€500▼

Stocks30/36€950€500▼

Amounts receivable within one year40/41€16k€0▼

Trade receivables40€15k€0▼

Other amounts receivable41€1k€0▼

Cash at bank and in hand54/58€19k€36k▲

Deferred charges and accrued income490/1€2k€0▼

Equity and liabilities

Total equity and liabilities10/49€56k€50k▼

Equity10/15€17k€23k▲

Contributions10/11€1k€1k=

Profit (loss) carried forward14€16k€22k▲

Amounts payable17/49€39k€27k▼

Amounts payable after more than one year17€3k€0▼

Financial debts170/4€3k€0▼

Amounts payable within one year42/48€36k€27k▼

Current portion of amounts payable after more than one year42€7k€3k▼

Trade debts44€4k€572▼

Suppliers440/4€4k€572▼

Taxes, remuneration and social security45€4k€6k▲

Taxes450/3€3k€4k▲

Remuneration and social security454/9€1k€2k▲

Other amounts payable47/48€20k€17k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲

Other operating charges640/8€1k€816▼

Gross operating margin9900€24k€20k▼

Operating profit (loss)9901€13k€10k▼

Financial income75/76B€89€0▼

Recurring financial income75€89€0▼

Financial charges65/66B€3k€1k▼

Recurring financial charges65€3k€1k▼

Profit (loss) for the period before taxes9903€10k€8k▼

Income taxes67/77€3k€2k▼

Profit (loss) for the period9904€8k€6k▼

Profit (loss) for the period to be appropriated9905€8k€6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€22k▲

Profit (loss) brought forward from the previous period14P€8k€16k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 30-04-2027

2026

02-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Weakest financial yearnet €6k ▼24.4%

Net result drops to €6k, the lowest in the series.

24-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Highest result since 2023net €8k ▲2%

Operating result €13k, net result €8k, both a record.

08-04

NBB filing Annual accounts filed

fiscal year 2023 · 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, Brugge · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Keizerstraat 408310 Brugge

Ground area

357 m²

Building footprint

87 m²

Volume, LiDAR

706 m³

Parcel 31433D0084/00X000, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

VDS AANNEMINGEN

Keizerstraat 40, 8310 BruggeConstruction of residential and non-residential buildings

since 20232.340.931.088

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31433D0084/00X000	Flanders	357 m²	1 · 87 m²	9.3 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.

Similar companies · same sector, comparable size

Aurum

BE 0768.649.378

Londerzeel · Eq €23k

PIERRE SIBILLE CONSTRUCTIONS

BE 0895.147.870

Florennes · Eq €23k

COMPLET CONSTRUCT&CLEAN

BE 0738.869.685

Sint-Jans-Molenbeek · Eq €23k

Scherpenheuvel-Zichem · Eq €23k

Of 15,543 companies in sector 43990 we hold annual accounts for 7,421. 5,375 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-12-2022

Fiscal year end30-09

Activities, NACEBEL

43990Other specialised construction activities

43999Specialised construction activities

71111Activities of building architects

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.