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Velocity

Active
Private limited companyfounded 20215 yrs activeLeopoldplein 20, 2500 Lier, BelgiumKBO/BCE: BE 0768.651.358
Summary

The computed 12-month bankruptcy probability of Velocity is 6.9% (elevated). The 2025 annual accounts show negative equity (-€31,451) and a net result of -€11,197. Its solvency ranks better than 19% of 18626 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Checked score

Score 2025
Axes · tick = 2023
Profitability29▲+2
Solvency15▼-6
Growth58
Track record86
Bankruptcy probability, 12 months
6.9% Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.91 against 0.96 in 2023; short-term debt: 109.9% and cash: 1.9% of total assets), and equity is negative.
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Signals

Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Recent warning signals
The last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
Belgian State Gazette
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-9.9%
Return on assets
-3.5%
Age of the figures
9 mo
raises risk · Ex-officio strike-off
The KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
KBO publications
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2325
2023 to 2025 · latest year -€31,451
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 02-06-2026, 59 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
59 d early
2023
670 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 306 days after the deadline; the sector median for financial year 2023 is on the deadline day, and 48% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Late accounts filing
Checked, nothing found (1)
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 months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline

History

Velocity was incorporated on 21 May 2021 as a Private limited company.1 Total assets fell from EUR 495,457 in 2023 to EUR 318,077 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
-€31,451▼ 74.3%
2023 · -€18,042
Total assets
€318,077▼ 35.8%
2023 · €495,457
Net result
-€11,197▲ 47.4%
2023 · -€21,304
Working capital
-€32,154▼ 69.4%
2023 · -€18,979
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Available amounts per fiscal year
Line20232025
Operating result-€13,269--€2,922-
Net result-€21,304below the sector's middle half--€11,197below the sector's middle half-
Equity-€18,042below the sector's middle half--€31,451below the sector's middle half-
Total assets€495,457above the sector's middle half-€318,077within the sector's middle half-
Debt€513,500-€349,528-
Working capital-€18,979below the sector's middle half--€32,154below the sector's middle half-
Solvency-3.6%below the sector's middle half--9.9%below the sector's middle half-
Current ratio0.96within the sector's middle half-0.91within the sector's middle half-
Return on assets (ROA)-4.3%below the sector's middle half--3.5%within the sector's middle half-
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€30,000-€20,000-€10,000€0Operating result 2023: -€13,269-€13,269Net result 2023: -€21,304-€21,304Operating result 2025: -€2,922-€2,922Net result 2025: -€11,197-€11,19720232025-€30,000-€20,000-€10,000€0Operating result 2023: -€13,269-€13,300Net result 2023: -€21,304-€21,300Operating result 2025: -€2,922-€2,920Net result 2025: -€11,197-€11,20020232025
The operating result is -€2,922 in 2025, compared with -€13,269 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €318,077
Fixed assets €703 ▼ 25.0%
Current assets €317,375 ▼ 35.8%
Key figures and ratios
2025 value · change against 2023
Quick ratio
0.03▼
2023 · 0.03
Debt to equity
-11.11▲
2023 · -28.46
Debt ≤ 1 year
€349,528▼
2023 · €513,500
Income taxes
€1
Staff costs
€141,400▼
2023 · €172,771
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,564 companies that looked in July 2024 the way this one looks now, 5.1% went bankrupt within 24 months and 89% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a small loss
5.1% went bankrupt
5.4% stopped otherwise
89% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 6.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,564 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2023 · 38 lines
Balance sheet Code20232025
Assets
Total assets20/58€495,457€318,077▼
Fixed assets21/28€937€703▼
Tangible fixed assets22/27€937€703▼
Furniture and vehicles24€937€703▼
Current assets29/58€494,520€317,375▼
Stocks and contracts in progress3€477,926€308,054▼
Stocks30/36€477,926€308,054▼
Cash at bank and in hand54/58€16,594€5,935▼
Deferred charges and accrued income490/1-€3,387
Equity and liabilities
Total equity and liabilities10/49€495,457€318,077▼
Equity10/15-€18,042-€31,451▼
Contributions10/11€1,500€1,500=
Profit (loss) carried forward14-€19,542-€32,951▼
Amounts payable17/49€513,500€349,528▼
Amounts payable within one year42/48€513,500€349,528▼
Financial debts43€150,000€150,000=
Other loans439€150,000€150,000=
Trade debts44€290,759€160,867▼
Suppliers440/4€290,759€160,867▼
Advances received on contracts in progress46-€1,733
Taxes, remuneration and social security45€33,827€20,094▼
Taxes450/3€18,034€7,841▼
Remuneration and social security454/9€15,793€12,253▼
Other amounts payable47/48€38,913€16,834▼
Income statement Code20232025
Remuneration, social security and pensions62€172,771€141,400▼
Other operating charges640/8€1,136€994▼
Gross operating margin9900€160,638€139,471▼
Operating profit (loss)9901-€13,269-€2,922▲
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€8,037€8,274▲
Recurring financial charges65€8,037€8,274▲
Profit (loss) for the period before taxes9903-€21,304-€11,197▲
Income taxes67/77-€1
Profit (loss) for the period9904-€21,304-€11,197▲
Profit (loss) for the period to be appropriated9905-€21,304-€11,197▲
Appropriation of the result
Profit (loss) to be appropriated9906-€19,542-€32,951▼
Profit (loss) brought forward from the previous period14P€1,762-€21,754▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232025Change
Remuneration, social security and pensions62€172,771€141,400-
Other operating charges640/8€1,136€994-
Gross operating margin9900€160,638€139,471-
Operating profit (loss)9901-€13,269-€2,922-
Financial income75/76B€2--
Recurring financial income75€2--
Financial charges65/66B€8,037€8,274-
Recurring financial charges65€8,037€8,274-
Profit (loss) for the period before taxes9903-€21,304-€11,197-
Income taxes67/77-€1-
Profit (loss) for the period9904-€21,304-€11,197-
Profit (loss) for the period to be appropriated9905-€21,304-€11,197-
Line20232025Change
Assets
Total assets20/58€495,457€318,077-
Fixed assets21/28€937€703-
Tangible fixed assets22/27€937€703-
Furniture and vehicles24€937€703-
Current assets29/58€494,520€317,375-
Stocks and contracts in progress3€477,926€308,054-
Stocks30/36€477,926€308,054-
Cash at bank and in hand54/58€16,594€5,935-
Deferred charges and accrued income490/1-€3,387-
Equity and liabilities
Total equity and liabilities10/49€495,457€318,077-
Equity10/15-€18,042-€31,451-
Contributions10/11€1,500€1,500-
Profit (loss) carried forward14-€19,542-€32,951-
Amounts payable17/49€513,500€349,528-
Amounts payable within one year42/48€513,500€349,528-
Financial debts43€150,000€150,000-
Other loans439€150,000€150,000-
Trade debts44€290,759€160,867-
Suppliers440/4€290,759€160,867-
Advances received on contracts in progress46-€1,733-
Taxes, remuneration and social security45€33,827€20,094-
Taxes450/3€18,034€7,841-
Remuneration and social security454/9€15,793€12,253-
Other amounts payable47/48€38,913€16,834-
Line20232025Change
Profit (loss) for the period9904-€21,304-€11,197-
Operating cash flow (approximation)-€21,304-€11,197-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
02-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
01-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 670 days late
03-04
KBO administration Late accounts filing
SignalNBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
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, Lier · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
510 m²
Building footprint
508 m²
Volume, LiDAR
3,042 m³
Parcel 12393F0290/00K006, Flanders · tallest building 16.1 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Velocity
Leopoldplein 20, 2500 LierNACE 45402
since 20212.317.677.319
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12393F0290/00K006 Flanders 510 m² 1 · 508 m² 16.1 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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 and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,465 companies in sector 47632 we hold annual accounts for 733. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded21-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47632Retail sale of bicycles
47830Retail sale of motorcycles and motorcycle parts and accessories
95290Repair and maintenance of other personal and household goods
Contact
E-mail info@velocity.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:0768651358
Also 9925:BE0768651358
Registered 18-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

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