Vema Solutions
ActiveVema Solutions has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €4k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 42% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-16
Solvency46▼-13
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 27.63 against 10.78 in 2024; short-term debt: 3.6% and cash: 8.4% of total assets), but 79.4% 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
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 · 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
20.6%
Return on assets
1.3%
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 21-08-2026, 21 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 · 3 filingsDeviation from the deadline
2025
21 d late
2024
33 d late
2023
29 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 7.4%
2024 · €64k
2023: €49k
2024: €64k
2023 → 2025
Total assets
€331k▲ 79.3%
2024 · €185k
2023: €139k
2024: €185k
2023 → 2025
Net result
€4k▼ 69.0%
2024 · €14k
2023: €-11k
2024: €14k
2023 → 2025
Working capital
€319k▲ 90.4%
2024 · €168k
2023: €129k
2024: €168k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€49k-€64k▲ 29.3%€68k▲ 7.4%
Operating result€-9k-€23k€12k▼ 46.4%
Net result€-11k-€14k€4k▼ 69.0%
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 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €331k
Equity
€68k▲ 7.4%
Debt
€263k▲ 117%
The debt ratio rises from 65.6% to 79.4%. Equity and debt are higher.
Key figures and ratios
Solvency
20.6%▼
2024 · 34.4%
Current ratio
27.63▲
2024 · 10.78
Quick ratio
4.36▲
2024 · 1.86
Debt / equity
3.85▲
2024 · 1.90
ROE
6.5%▼
2024 · 22.6%
ROA
1.3%▼
2024 · 7.8%
Debt
€263k▲
2024 · €121k
Debt ≤ 1 year
€12k▼
2024 · €17k
Debt > 1 year
€249k▲
2024 · €80k
Income taxes
€1k▼
2024 · €1k
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€185k€331k▲
Current assets29/58€185k€331k▲
Stocks and contracts in progress3€153k€279k▲
Stocks30/36€153k€279k▲
Amounts receivable within one year40/41€9k€24k▲
Trade receivables40€4k€21k▲
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€23k€28k▲
Equity and liabilities
Total equity and liabilities10/49€185k€331k▲
Equity10/15€64k€68k▲
Contributions10/11€60k€60k=
Profit (loss) carried forward14€4k€8k▲
Amounts payable17/49€121k€263k▲
Amounts payable after more than one year17€80k€249k▲
Financial debts170/4€80k€249k▲
Amounts payable within one year42/48€17k€12k▼
Trade debts44€5k-
Suppliers440/4€5k-
Taxes, remuneration and social security45€1k€1k▼
Taxes450/3€1k€1k▼
Other amounts payable47/48€11k€11k=
Accrued charges and deferred income492/3€24k€2k▼
Income statement
Code20242025
Other operating charges640/8€762€542▼
Gross operating margin9900€24k€13k▼
Operating profit (loss)9901€23k€12k▼
Financial income75/76B€183€444▲
Recurring financial income75€183€444▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€16k€6k▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€14k€4k▼
Profit (loss) for the period to be appropriated9905€14k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€8k▲
Profit (loss) brought forward from the previous period14P€-11k€4k▲
The notes to these accounts (2 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 27.63
Current ratio from 10.78 to 27.63; short-term debt falls from €17k to €12k.
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 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, Evergem · 1 establishment unit since 2023
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.
Finlandstraat 89940 EvergemGround area
5,082 m²
Building footprint
3,056 m²
Volume, LiDAR
23,459 m³
Parcel 44019B0584/00B000, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Finlandstraat 8, 9940 Evergem
since 20232.348.891.028
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44019B0584/00B000 | Flanders | 5,082 m² | 1 · 3,056 m² | 9.4 m · 3 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.
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GRACE INVEST
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BE 0795.487.892
Genk · Eq €68k
MMBI
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Comines-Warneton · Eq €68k
Nederhem Vastgoed
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Rijkevorsel · Eq €68k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,191 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2023
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.