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VEMA

Active
Private limited company·Cafés en bars· 27 yrs active
Sportweg 1 ·2940 Stabroek, Belgium
BE 0465.196.954
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Age27 yrs
Staff (FTE)4.8

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VEMA is 1.3% (low). The 2024 annual accounts show equity of €33k and a net result of €5k. Equity is growing by ~51.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 5587 sector peers (fiscal year 2024). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Trust signals

3 signals
Long-established
Founded in 1999, 27 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.3% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Long track record

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€5k-73.2%
Working capital€11k+539.9%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro
€-20k€0€20kOperating result 2020: €15k€15kNet result 2020: €-16k€-16kOperating result 2021: €14k€14kNet result 2021: €-4k€-4kOperating result 2022: €-8k€-8kNet result 2022: €-12k€-12kOperating result 2023: €28k€28kNet result 2023: €19k€19kOperating result 2024: €9k€9kNet result 2024: €5k€5k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~51.9%/year over 7 fiscal years, indicative, assuming unchanged policy.
€-25k€0€25k€50k€75k2025: €41k (€36k - €47k)2026: €49k (€41k - €58k)2027: €58k (€46k - €69k)2018: €-16k2019: €-8k2020: €5k2021: €18k2022: €6k2023: €28k2024: €33k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 59.9% 19.3%
better than 84% of 5587 sector peers
Net result €5k €4k
better than 53% of 5577 sector peers
Equity €33k €14k
better than 67% of 5598 sector peers
Gross operating margin €100k €52k
better than 68% of 5563 sector peers
Staff costs €81k €49k
higher than 65% of 4050 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€17k
-54.5% -45% vs sector
Net profit
€5k
-73.2% -47% vs sector
Cash flow
€13k
-54.1% -45% vs sector
Total assets
€55k
+9.5% -69% vs sector
Equity
€33k
+18.6% -50% vs sector
Working capital
€11k
+539.9% -85% vs sector
Employees (FTE)
5
+380.0% -13% vs sector
Staff costs
€81k
-9.4% -62% vs sector
Income taxes
€2k
-67.5% far above sector median
Debt
€22k
-1.8% -70% vs sector
Debt ≤ 1y
€20k
-10.3% -19% vs sector
Debt > 1y
€2k
+259.0% -99% vs sector
Current ratio
1.52
+41.9% -68% vs sector
Quick ratio
1.12
+65.0% -76% vs sector
Solvency
59.9%
+8.3% +3% vs sector
Debt / equity
0.67
-17.2% -8% vs sector
ROE
15.7%
-77.4% -3% vs sector
ROA
9.4%
-75.5% +102% vs sector
Interest coverage
8.45
-65.1% -77% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€17k
Net profit€5k
Cash flow€13k
Staff costs€81k
Income taxes€2k
Dividends-
Total assets€55k
Equity€33k
Debt€22k
of which ≤ 1y€20k
of which > 1y€2k
Working capital€11k
Employees (FTE)4.8
Ratios (computed)
2024
Current ratio1.52
Quick ratio1.12
Working capital ratio19.2%
Solvency59.9%
Debt / equity0.67
Long-term debt ratio0.06
Interest coverage8.45
Gross margin-
Net margin-
ROA9.4%
ROE15.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€55k
Fixed assets 21/28€24k
Tangible fixed assets 22/27€20k
Financial fixed assets 28€5k
Current assets 29/58€31k
Stocks & contracts in progress 3€8k
Amounts receivable within one year 40/41€4k
Cash & bank 54/58€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€55k
Equity 10/15€33k
Contributions / capital 10/11€19k
Reserves 13€15k
Amounts payable 17/49€22k
Amounts payable after one year 17€2k
Amounts payable within one year 42/48€20k
Trade debts payable within one year 44€6k
Income statement
Gross operating margin 9900€100k
Operating result 9901€9k
Financial income 75€457
Financial charges 65€2k
Result before taxes 9903€8k
Income taxes 67/77€2k
Net result for the period 9904€5k
Result to be appropriated 9905€5k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
93 / 100 Excellent
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location
SPORTCAFE DE CHALET
Sportweg 1, 2940 Stabroekde café-restaurants (tavernen)
since 20002.099.414.550
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3.7 ha
Buildings1
Building footprint1,376 m²
Volume (LiDAR)7,170 m³
Tallest building9.5 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11044E0413/00Y000 Flanders 3.7 ha 1 · 1,376 m² 9.5 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability78Solvency88Growth78Stability100
87 / 100

Exceptional profile, strong across almost every axis.

Health 93
Profitability 78
Solvency 88
Growth 78
Stability 100

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Cafés55401Cafés en bars56301Cafés en bars56301
Primary activity highlighted.
Names & trade names
Legal nameNL VEMA
Registered office
Sportweg 1
2940 Stabroek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.