VDV Vloerwerken

Active

Private limited companyfounded 20242 yrs activeEigenaarsstraat 79, 2350 Vosselaar, BelgiumKBO/BCE: BE 1004.374.127

Summary

The computed 12-month bankruptcy probability of VDV Vloerwerken is 2.0% (moderate). The 2025 annual accounts show equity of €408k and a net result of €238k. Its solvency ranks better than 57% of 7777 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

73 / 100

Healthy

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

Axes · tick = 2024

Profitability100=

Solvency75▲+14

Growth78

Track record82

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days only on tighter terms

Liquidity ample (current ratio 1.92 against 1.62 in 2024; short-term debt: 49% and cash: 36% of total assets), and 49.9% 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

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

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

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

50.1%

Return on assets

29.2%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

23 d early

2024

22 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 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, abbreviated schema

Equity

€408k▲ 140%

2024 · €170k

2024: €170k

2024 → 2025

Total assets

€816k▲ 74.4%

2024 · €468k

2024: €468k

2024 → 2025

Net result

€238k▲ 39.6%

2024 · €170k

2024: €170k

2024 → 2025

Working capital

€370k▲ 123%

2024 · €166k

2024: €166k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€170k-€408k▲ 140%

Operating result€252k-€351k▲ 39.2%

Net result€170k-€238k▲ 39.6%

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

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 39% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €816k

94.4%

Fixed assets €46k ▲ 32.7%

Current assets €770k ▲ 77.7%

Equity and liabilities €816k

50.1%

49.9%

Equity €408k ▲ 140%

Debt €407k ▲ 37.0%

Debt's share of the balance-sheet total falls from 63.5% to 49.9%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€361k▲

2024 · €255k

Cash flow

€248k▲

2024 · €173k

Current ratio

1.92▲

2024 · 1.62

Quick ratio

1.91▲

2024 · 1.55

Debt to equity

1.00▼

2024 · 1.74

ROE

58.3%▼

2024 · 100.0%

ROA

29.2%▼

2024 · 36.4%

Interest coverage

38.46▲

2024 · 29.40

Debt ≤ 1 year

€400k▲

2024 · €267k

Debt > 1 year

€7k▼

2024 · €30k

Income taxes

€105k▲

2024 · €73k

Staff costs

€69k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines

Balance sheet Code20242025

Assets

Total assets20/58€468k€816k▲

Fixed assets21/28€35k€46k▲

Intangible fixed assets21€2k€1k▼

Tangible fixed assets22/27€28k€40k▲

Plant, machinery and equipment23€5k€9k▲

Furniture and vehicles24€23k€30k▲

Financial fixed assets28€5k€5k=

Current assets29/58€433k€770k▲

Stocks and contracts in progress3€18k€7k▼

Stocks30/36€5k€2k▼

Contracts in progress37€13k€5k▼

Amounts receivable within one year40/41€227k€467k▲

Trade receivables40€202k€435k▲

Other amounts receivable41€25k€32k▲

Cash at bank and in hand54/58€165k€294k▲

Deferred charges and accrued income490/1€23k€2k▼

Equity and liabilities

Total equity and liabilities10/49€468k€816k▲

Equity10/15€170k€408k▲

Contributions10/11€75€75=

Reserves13€170k€408k▲

Distributable reserves133€170k€408k▲

Amounts payable17/49€297k€407k▲

Amounts payable after more than one year17€30k€7k▼

Financial debts170/4€30k€7k▼

Amounts payable within one year42/48€267k€400k▲

Financial debts43€35k€55k▲

Credit institutions430/8€35k€55k▲

Trade debts44€155k€237k▲

Suppliers440/4€155k€237k▲

Taxes, remuneration and social security45€77k€108k▲

Taxes450/3€77k€108k▲

Other amounts payable47/48€28€21▼

Accrued charges and deferred income492/3€168-

Income statement Code20242025

Remuneration, social security and pensions62-€69k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€10k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€22k

Other operating charges640/8€2k€3k▲

Gross operating margin9900€257k€455k▲

Operating profit (loss)9901€252k€351k▲

Financial income75/76B€123€2k▲

Recurring financial income75€123€2k▲

Financial charges65/66B€9k€9k▲

Recurring financial charges65€9k€9k▲

Profit (loss) for the period before taxes9903€244k€343k▲

Income taxes67/77€73k€105k▲

Profit (loss) for the period9904€170k€238k▲

Profit (loss) for the period to be appropriated9905€170k€238k▲

Appropriation of the result

Profit (loss) to be appropriated9906€170k€238k▲

Transfer to equity691/2€170k€238k▲

To other reserves6921€170k€238k▲

Social balance

Average headcount (FTE)9087-1.2

The notes to these accounts (11 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 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

08-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Equity above €200kEq €408k ▲140%

2 profitable years in a row build equity to €408k.

09-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Vosselaar · 1 establishment unit since 2024

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.

Eigenaarsstraat 792350 Vosselaar

Ground area

321 m²

Building footprint

112 m²

Volume, LiDAR

578 m³

Parcel 13046B0076/00A002, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

VDV Vloerwerken

Eigenaarsstraat 79, 2350 VosselaarCutting, shaping and finishing of stone

since 20242.355.093.979

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13046B0076/00A002	Flanders	321 m²	1 · 112 m²	8.5 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.

Recognitions · licences · registrations

Recognised contractor

2 categories

VDV Vloerwerken BV46526

category D10, class 1 · category D15, class 1

decision 27-08-2026

Similar companies · same sector, comparable size

ENTREPRISE JACQUES NOEL ET FRERE

BE 0885.971.769

Bertrix · Eq €408,057

GG ALGEMENE BOUWWERKEN

BE 0704.678.967

Dilsen-Stokkem · Eq €407,106

DURMILINE

BE 0478.257.114

Oudenaarde · Eq €410,911

COCHET

BE 0832.058.971

Huldenberg · Eq €411,722

Onderneming Louis Verbeke en Zonen

BE 0424.595.526

Lede · Eq €412,000

Of 3,962 companies in sector 43331 we hold annual accounts for 1,790. 1,148 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-01-2024

Fiscal year end31-12

Activities, NACEBEL 2025

43331Floor and wall tiling

43320Joinery installation

43332Laying of wooden floor and wall coverings

43333Wallpapering and laying of floor and wall coverings in other materials

43422Screed work

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.