Vemo Bouwonderneming
ActiveVemo Bouwonderneming has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €-12k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 38% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-18
Solvency58▼-9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.25 in 2024; short-term debt: 53.3% and cash: 0.1% of total assets), and 67.4% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2025Solvency, return and age of the figures
Solvency
32.6%
Return on assets
-6.2%
Age of the figures
9 mo
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
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 08-07-2026, 23 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
23 d early
2024
30 d early
2023
20 d early
2022
14 d early
2021
16 d early
2020
30 d early
2019
9 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▼ 19.3%
2024 · €81k
2018: €11k
2019: €25k
2020: €66k
2021: €64k
2022: €70k
2023: €68k
2024: €81k
2018 → 2025
Total assets
€200k▲ 4.6%
2024 · €192k
2018: €44k
2019: €54k
2020: €201k
2021: €147k
2022: €273k
2023: €311k
2024: €192k
2018 → 2025
Net result
€-12k
2024 · €16k
2018: €5k
2019: €6k
2020: €36k
2021: €2k
2022: €10k
2023: €1k
2024: €16k
2018 → 2025
Working capital
€6k▼ 56.7%
2024 · €13k
2018: €-10k
2019: €-2k
2020: €15k
2021: €12k
2022: €3k
2023: €2k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€70k▲ 10.0%€68k▼ 3.0%€81k▲ 18.6%€65k▼ 19.3%
Operating result€105-€9k▲ 8,033%€1k▼ 83.6%€22k▲ 1,467%€-11k
Net result€2k-€10k▲ 533%€1k▼ 88.7%€16k▲ 1,369%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €200k
Fixed assets
€88k▼ 30.0%
Current assets
€112k▲ 70.6%
Equity and liabilities €200k
Equity
€65k▼ 19.3%
Debt
€135k▲ 22.0%
The debt ratio rises from 57.7% to 67.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €71k
Cash flow
€28k▼
2024 · €65k
Solvency
32.6%▼
2024 · 42.3%
Current ratio
1.05▼
2024 · 1.25
Quick ratio
0.95▼
2024 · 1.07
Debt / equity
2.06▲
2024 · 1.36
ROE
-19.0%▼
2024 · 19.7%
ROA
-6.2%▼
2024 · 8.3%
Interest coverage
6.34▼
2024 · 16.18
Debt
€135k▲
2024 · €111k
Debt ≤ 1 year
€107k▲
2024 · €53k
Debt > 1 year
€28k▼
2024 · €58k
Staff costs
€133k▼
2024 · €178k
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€192k€200k▲
Fixed assets21/28€126k€88k▼
Tangible fixed assets22/27€126k€88k▼
Land and buildings22€463€249▼
Plant, machinery and equipment23€99k€71k▼
Furniture and vehicles24€9k€7k▼
Leasing and similar rights25€17k€10k▼
Current assets29/58€66k€112k▲
Stocks and contracts in progress3€9k€11k▲
Stocks30/36€9k€11k▲
Amounts receivable within one year40/41€41k€80k▲
Trade receivables40€41k€74k▲
Other amounts receivable41-€6k
Cash at bank and in hand54/58€7k€129▼
Deferred charges and accrued income490/1€8k€21k▲
Equity and liabilities
Total equity and liabilities10/49€192k€200k▲
Equity10/15€81k€65k▼
Contributions10/11€19k€19k=
Reserves13€246€246=
Distributable reserves133€246€246=
Profit (loss) carried forward14€62k€47k▼
Amounts payable17/49€111k€135k▲
Amounts payable after more than one year17€58k€28k▼
Financial debts170/4€58k€28k▼
Amounts payable within one year42/48€53k€107k▲
Current portion of amounts payable after more than one year42€19k€20k▲
Financial debts43-€18k
Credit institutions430/8-€18k
Trade debts44€20k€67k▲
Suppliers440/4€20k€67k▲
Taxes, remuneration and social security45€13k-
Taxes450/3€13k-
Other amounts payable47/48€348€1k▲
Income statement
Code20242025
Non-recurring operating income76A-€11k
Remuneration, social security and pensions62€178k€133k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€41k▼
Other operating charges640/8€854€491▼
Gross operating margin9900€250k€164k▼
Operating profit (loss)9901€22k€-11k▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€22k€-12k▼
Income taxes67/77€6k-
Profit (loss) for the period9904€16k€-12k▼
Profit (loss) for the period to be appropriated9905€16k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€50k▼
Profit (loss) brought forward from the previous period14P€49k€62k▲
Profit to be distributed694/7€3k€3k=
Return on contributions (dividend)694€3k€3k=
The notes to these accounts (11 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k ▼178%
Net result drops to €-12k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €36k ▲450%
Operating result €37k, net result €36k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zandhoven · 1 establishment unit since 2018
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.
Dorp 72242 ZandhovenGround area
287 m²
Building footprint
90 m²
Volume, LiDAR
403 m³
Parcel 11033B0451/00K003, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vemo Bouwonderneming
since 20182.274.150.449
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11033B0451/00K003 | Flanders | 287 m² | 1 · 90 m² | 7.3 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 30,400 EUR awarded · 30,400 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 19,338 EUR | 19,338 EUR |
| 2024 | 1 | 1,988 EUR | 1,988 EUR |
| 2023 | 1 | 8,107 EUR | 8,107 EUR |
| 2022 | 2 | 967 EUR | 967 EUR |
Schemes
Individueel Maatwerk
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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VIMIS
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BOUWBEDRIJF BEUTEN
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GOOSSENS NATURAL HEATING
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Nazareth-De Pinte · Eq €65k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 13,208 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43410Roofing work
43990Other specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.