VEBO
ActiveVEBO has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €689k and a net result of €-7k. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 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
Profitability59▲+48
Solvency77▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.9 in 2024; short-term debt: 38.8% and cash: 0.2% of total assets), and 48.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
19 d late
2022
1 d late
2021
31 d early
2020
31 d late
2019
53 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€689k▼ 1.0%
2024 · €697k
2018: €848k
2019: €859k
2020: €846k
2021: €802k
2022: €799k
2023: €776k
2024: €697k
2018 → 2025
Total assets
€1.33M▲ 1.7%
2024 · €1.31M
2018: €1.41M
2019: €1.36M
2020: €1.25M
2021: €1.25M
2022: €1.40M
2023: €1.64M
2024: €1.31M
2018 → 2025
Net result
€-7k▲ 91.1%
2024 · €-80k
2018: €226k
2019: €11k
2020: €-13k
2021: €-43k
2022: €-4k
2023: €-23k
2024: €-80k
2018 → 2025
Working capital
€441k▲ 0.6%
2024 · €438k
2018: €529k
2019: €557k
2020: €555k
2021: €524k
2022: €519k
2023: €505k
2024: €438k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€802k-€799k▼ 0.5%€776k▼ 2.8%€697k▼ 10.2%€689k▼ 1.0%
Operating result€-27k-€39€-8k€-62k▼ 676%€-6k▲ 90.4%
Net result€-43k-€-4k▲ 91.6%€-23k▼ 526%€-80k▼ 250%€-7k▲ 91.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €62k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.33M
Fixed assets
€375k▼ 2.8%
Current assets
€958k▲ 3.6%
Equity and liabilities €1.33M
Equity
€689k▼ 1.0%
Debt
€643k▲ 4.8%
The debt ratio rises from 46.8% to 48.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▲
2024 · €-51k
Cash flow
€3k▲
2024 · €-69k
Solvency
51.7%▼
2024 · 53.2%
Current ratio
1.85▼
2024 · 1.90
Quick ratio
0.01▼
2024 · 0.02
Debt / equity
0.93▲
2024 · 0.88
ROE
-1.0%▲
2024 · -11.4%
ROA
-0.5%▲
2024 · -6.1%
Interest coverage
4.97▲
2024 · -2.86
Debt
€643k▲
2024 · €614k
Debt ≤ 1 year
€517k▲
2024 · €486k
Debt > 1 year
€100k=
2024 · €100k
Income taxes
€372▲
2024 · €360
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€1.31M€1.33M▲
Fixed assets21/28€386k€375k▼
Tangible fixed assets22/27€383k€373k▼
Land and buildings22€382k€372k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€1k€715▼
Financial fixed assets28€2k€2k▼
Current assets29/58€925k€958k▲
Stocks and contracts in progress3€914k€953k▲
Stocks30/36€914k€953k▲
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€0-
Other amounts receivable41€4k€3k▼
Current investments50/53€20€20=
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.33M▲
Equity10/15€697k€689k▼
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€620k€620k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€610k€610k=
Profit (loss) carried forward14€-22k€-29k▼
Amounts payable17/49€614k€643k▲
Amounts payable after more than one year17€100k€100k=
Financial debts170/4€100k€100k=
Amounts payable within one year42/48€486k€517k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€749€1k▲
Taxes450/3€749€1k▲
Other amounts payable47/48€484k€513k▲
Accrued charges and deferred income492/3€27k€26k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€-47k€7k▲
Operating profit (loss)9901€-62k€-6k▲
Financial income75/76B€179€94▼
Recurring financial income75€179€94▼
Financial charges65/66B€18k€881▼
Recurring financial charges65€18k€881▼
Profit (loss) for the period before taxes9903€-79k€-7k▲
Income taxes67/77€360€372▲
Profit (loss) for the period9904€-80k€-7k▲
Profit (loss) for the period to be appropriated9905€-80k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-102k€-29k▲
Profit (loss) brought forward from the previous period14P€-23k€-22k▲
Transfer from equity791/2€80k€0▼
The notes to these accounts (15 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-80k
Net result drops to €-80k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oostkamp · 1 establishment unit since 1992
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.
Leliestraat 258020 OostkampGround area
870 m²
Building footprint
234 m²
Volume, LiDAR
1,233 m³
Parcel 31403H0427/00X000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO VEBO NV
since 19922.056.779.387
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31403H0427/00X000 | Flanders | 870 m² | 1 · 234 m² | 8.8 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
INBOCO IMMO
BE 0432.597.729
Bocholt · Eq €690k
TAURUS
BE 0455.899.901
Rumst · Eq €689k
J.P.D.
BE 0452.505.592
Gent · Eq €688k
GECER'IMMO
BE 0841.980.388
Schaarbeek · Eq €688k
FIELD
BE 0424.109.536
Mons · Eq €691k
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-01-1992
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
70111
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.