Financials
- Fiscal year
- 2025
- Total assets
- €228,248
- Profit
- €20,773
- Solvency
- 17.1%
Total assets▲ 17.2%
Net result
20242025
VeloTom
ActiveSummary
The computed 12-month bankruptcy probability of VeloTom is 2.0% (moderate). The 2025 annual accounts show equity of €38,973 and a net result of €20,773. Its solvency ranks better than 35% of 20110 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Retail sale of bicycles
NACE 47632NACE 47785
1 site
How big
€228,248total assets 2025
- Equity
- €38,973
- Profit
- €20,773
Turnover not published (abridged schema)
Who decides
Accounts filed 27 d late0 of 1 deed read
Why 54- Founded in 2023- Sector Retail trade (NACE 47)- Size: total assets €228,248- Equity €38,973 (17.1% of total assets)Show the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 52% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
42+8
equity 17.1% of total assets
Liquidity
11+3
short-term debt 82.9% · cash 4.9%
Profitability
80+1
return on assets 9.1%
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Founded in 2023 raises the probability for this profile
- Sector Retail trade (NACE 47) raises the probability
- Size: total assets €228,248 raises the probability for this profile
- Equity €38,973 (17.1% of total assets) raises the probability
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.08 in 2024; short-term debt: 82.9% and cash: 4.9% of total assets), and 82.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 33%, liquidity 11%, profitability 71%, growth against the median 93%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 2 filingsDeviation from the deadline
2025
27 d late
2024
29 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 28 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
- Next accounts
- by 31-07-2027
- 27-08-2026Annual accounts filed
- 29-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of bicyclesNACE 47632
- Founded
- 19-12-2023
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark
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