VDV Dakconstructie
ActiveThe computed 12-month bankruptcy probability of VDV Dakconstructie is 1.7% (moderate). The 2025 annual accounts show equity of €265k and a net result of €1k. Equity is growing by ~31.4% per year across the filed fiscal years. Its solvency ranks better than 85% of 27054 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
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-98
Solvency100▲+2
Growth41▼-17
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 4.74 against 2.36 in 2024), and 20.2% of the assets are financed with debt.
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
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 →
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
79.8%
Return on assets
0.3%
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 · 7 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
7 d early
2022
7 d early
2021
16 d early
2020
4 d early
2019
3 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€289k▼ 24.6%
2020 · €383k
2019: €317k
2020: €383k
2019 → 2021
EBIT margin
-2.5%▼ 17.4pp
2020 · 14.9%
2019: 11.6%
2020: 14.9%
2019 → 2021
Net result
€1k▼ 98.7%
2024 · €81k
2019: €33k
2020: €57k
2021: €-17k
2022: €10k
2023: €100k
2024: €81k
2019 → 2025
Working capital
€202k▲ 16.8%
2024 · €173k
2019: €29k
2020: €68k
2021: €42k
2022: €12k
2023: €72k
2024: €173k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€289k-
Equity€91k-€101k▲ 11.3%€183k▲ 80.5%€264k▲ 44.3%€265k▲ 0.4%
Operating result€-7k-€31k€144k▲ 368%€114k▼ 21.1%€4k▼ 96.4%
Net result€-17k-€10k€100k▲ 877%€81k▼ 19.1%€1k▼ 98.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 96% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€76k▼ 47.9%
Current assets
€256k▼ 14.6%
Equity and liabilities €332k
Equity
€265k▲ 0.4%
Debt
€67k▼ 63.1%
The debt ratio falls from 40.8% to 20.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€46k▼
2024 · €169k
Cash flow
€43k▼
2024 · €136k
Solvency
79.8%▲
2024 · 59.2%
Current ratio
4.74▲
2024 · 2.36
Quick ratio
4.64▲
2024 · 2.27
Debt / equity
0.25▼
2024 · 0.69
ROE
0.4%▼
2024 · 30.7%
ROA
0.3%▼
2024 · 18.2%
Interest coverage
13.50▼
2024 · 31.81
Debt
€67k▼
2024 · €182k
Debt ≤ 1 year
€54k▼
2024 · €127k
Debt > 1 year
€13k▼
2024 · €49k
Income taxes
€-425▼
2024 · €27k
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€445k€332k▼
Fixed assets21/28€146k€76k▼
Tangible fixed assets22/27€146k€76k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€135k€71k▼
Leasing and similar rights25€6k€682▼
Current assets29/58€299k€256k▼
Stocks and contracts in progress3€12k€5k▼
Stocks30/36€12k€5k▼
Amounts receivable within one year40/41€7k€13k▲
Trade receivables40€2k€7k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€279k€236k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€445k€332k▼
Equity10/15€264k€265k▲
Profit (loss) carried forward14€264k€265k▲
Amounts payable17/49€182k€67k▼
Amounts payable after more than one year17€49k€13k▼
Financial debts170/4€49k€13k▼
Amounts payable within one year42/48€127k€54k▼
Current portion of amounts payable after more than one year42€4k€1k▼
Financial debts43€31k€19k▼
Credit institutions430/8€31k€19k▼
Trade debts44€48€707▲
Suppliers440/4€48€707▲
Taxes, remuneration and social security45€67k€30k▼
Taxes450/3€67k€30k▼
Other amounts payable47/48€24k€2k▼
Accrued charges and deferred income492/3€6k-
Income statement
Code20242025
Remuneration, social security and pensions62€10k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€42k▼
Other operating charges640/8€26k€25k▼
Non-recurring operating charges66A€5k€11k▲
Gross operating margin9900€210k€82k▼
Operating profit (loss)9901€114k€4k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Non-recurring financial charges66B€165-
Profit (loss) for the period before taxes9903€108k€627▼
Income taxes67/77€27k€-425▼
Profit (loss) for the period9904€81k€1k▼
Profit (loss) for the period to be appropriated9905€81k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€264k€265k▲
Profit (loss) brought forward from the previous period14P€183k€264k▲
The notes to these accounts (7 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 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 4.74
Current ratio from 2.36 to 4.74; short-term debt falls from €127k to €54k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €264k ▲44.3%
3 profitable years in a row build equity to €264k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €100k ▲877%
Operating result €144k, net result €100k, both a record.
31-12
Financial
Equity above €150kEq €183k ▲80.5%
2 profitable years in a row build equity to €183k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Equity above €100kEq €101k ▲11.3%
Equity rises from €91k to €101k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-17k ▼130%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €108k ▲110%
2 profitable years in a row build equity to €108k.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2018
Ground area
287 m²
Building footprint
287 m²
Volume, LiDAR
1,993 m³
Parcel 11383B0577/00T002, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VDV Dakconstructie
since 20182.279.736.956
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11383B0577/00T002 | Flanders | 287 m² | 1 · 287 m² | 11.2 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.
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Of 4,235 companies in sector 43230 we hold annual accounts for 1,230. 906 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2018
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.