VELOVILLE
ActiveVELOVILLE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €227k and a net result of €44k. Equity is growing by ~38.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
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
Profitability87▼-4
Solvency99▲+12
Growth78=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.53 against 3.37 in 2024; short-term debt: 25% and cash: 10.5% of total assets), and 25.5% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
74.5%
Return on assets
14.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
43 d late
2022
31 d late
2021
18 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, micro schema
Equity
€227k▲ 24.2%
2024 · €183k
2021: €26k
2022: €81k
2023: €131k
2024: €183k
2021 → 2025
Total assets
€305k▲ 2.6%
2024 · €297k
2021: €171k
2022: €245k
2023: €257k
2024: €297k
2021 → 2025
Net result
€44k▼ 15.2%
2024 · €52k
2021: €-4k
2022: €54k
2023: €50k
2024: €52k
2021 → 2025
Working capital
€193k▲ 8.0%
2024 · €179k
2021: €38k
2022: €88k
2023: €132k
2024: €179k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€81k▲ 208%€131k▲ 62.1%€183k▲ 39.9%€227k▲ 24.2%
Operating result€-809-€66k€66k▼ 0.7%€70k▲ 5.9%€61k▼ 13.3%
Net result€-4k-€54k€50k▼ 8.1%€52k▲ 4.3%€44k▼ 15.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €305k
Fixed assets
€36k▼ 17.6%
Current assets
€269k▲ 6.1%
Equity and liabilities €305k
Equity
€227k▲ 24.2%
Debt
€78k▼ 31.9%
The debt ratio falls from 38.5% to 25.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69k▼
2024 · €78k
Cash flow
€53k▼
2024 · €61k
Solvency
74.5%▲
2024 · 61.5%
Current ratio
3.53▲
2024 · 3.37
Quick ratio
0.94▼
2024 · 0.99
Debt / equity
0.34▼
2024 · 0.63
ROE
19.5%▼
2024 · 28.5%
ROA
14.5%▼
2024 · 17.6%
Interest coverage
36.56▲
2024 · 23.23
Debt
€78k▼
2024 · €114k
Debt ≤ 1 year
€76k▲
2024 · €75k
Debt > 1 year
€0▼
2024 · €38k
Income taxes
€16k▲
2024 · €15k
Staff costs
€102k▲
2024 · €78k
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€297k€305k▲
Fixed assets21/28€43k€36k▼
Intangible fixed assets21€657€99▼
Tangible fixed assets22/27€36k€29k▼
Plant, machinery and equipment23€1k€221▼
Furniture and vehicles24€626€1k▲
Other tangible fixed assets26€34k€27k▼
Financial fixed assets28€7k€7k=
Current assets29/58€254k€269k▲
Stocks and contracts in progress3€180k€198k▲
Stocks30/36€180k€198k▲
Amounts receivable within one year40/41€10k€39k▲
Trade receivables40€9k€6k▼
Other amounts receivable41€303€33k▲
Cash at bank and in hand54/58€64k€32k▼
Deferred charges and accrued income490/1€918€493▼
Equity and liabilities
Total equity and liabilities10/49€297k€305k▲
Equity10/15€183k€227k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€153k€197k▲
Amounts payable17/49€114k€78k▼
Amounts payable after more than one year17€38k€0▼
Financial debts170/4€38k€0▼
Amounts payable within one year42/48€75k€76k▲
Current portion of amounts payable after more than one year42€14k€10k▼
Trade debts44€18k€17k▼
Suppliers440/4€18k€17k▼
Advances received on contracts in progress46€108€0▼
Taxes, remuneration and social security45€35k€37k▲
Taxes450/3€27k€24k▼
Remuneration and social security454/9€8k€12k▲
Other amounts payable47/48€8k€13k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Remuneration, social security and pensions62€78k€102k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€160k€175k▲
Operating profit (loss)9901€70k€61k▼
Financial income75/76B€476€2k▲
Recurring financial income75€476€2k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€67k€60k▼
Income taxes67/77€15k€16k▲
Profit (loss) for the period9904€52k€44k▼
Profit (loss) for the period to be appropriated9905€52k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€153k€197k▲
Profit (loss) brought forward from the previous period14P€101k€153k▲
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €200kEq €227k ▲24.2%
4 profitable years in a row build equity to €227k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €183k ▲39.9%
3 profitable years in a row build equity to €183k.
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
2023
31-12
Financial
Equity above €100kEq €131k ▲62.1%
2 profitable years in a row build equity to €131k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mechelen · 1 establishment unit since 2020
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.
Adegemstraat 452800 MechelenGround area
255 m²
Building footprint
223 m²
Volume, LiDAR
2,452 m³
Parcel 12025E0749/00D000, Flanders · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Adegemstraat 45, 2800 Mechelen
since 20202.311.088.346
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025E0749/00D000 | Flanders | 254 m² | 1 · 223 m² | 13.3 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 1,467 companies in sector 47632 we hold annual accounts for 733. 637 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2020
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
46495Wholesale trade
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.