Vervoer Luypaert
ActiveSummary
Vervoer Luypaert has been active since 1971 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.08M and a net result of €324k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 1851 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+9
Solvency59▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 1.89 in 2024; short-term debt: 25.2% and cash: 3.5% of total assets), but 65.8% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
34.2%
Return on assets
10.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-04-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
84 d early
2023
34 d early
2022
62 d early
2021
37 d early
2020
33 d early
2019
53 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€1.08M▲ 25.7%
2024 · €862k
2018: €461k
2019: €853k
2020: €1.11M
2021: €1.48M
2022: €703k
2023: €664k
2024: €862k
2018 → 2025
Total assets
€3.17M▲ 8.8%
2024 · €2.92M
2018: €2.81M
2019: €2.58M
2020: €2.85M
2021: €3.25M
2022: €3.21M
2023: €3.14M
2024: €2.92M
2018 → 2025
Net result
€324k▲ 240%
2024 · €95k
2018: €159k
2019: €385k
2020: €261k
2021: €451k
2022: €335k
2023: €94k
2024: €95k
2018 → 2025
Working capital
€1.00M▲ 26.8%
2024 · €789k
2018: €44k
2019: €647k
2020: €875k
2021: €1.09M
2022: €735k
2023: €710k
2024: €789k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.48M-€703k▼ 52.4%€664k▼ 5.5%€862k▲ 29.8%€1.08M▲ 25.7%
Operating result€486k-€422k▼ 13.2%€126k▼ 70.1%€182k▲ 44.8%€328k▲ 79.9%
Net result€451k-€335k▼ 25.8%€94k▼ 71.9%€95k▲ 1.3%€324k▲ 240%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 80% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.17M
Fixed assets
€1.37M ▲ 10.2%
Current assets
€1.80M ▲ 7.7%
Equity and liabilities €3.17M
Equity
€1.08M ▲ 25.7%
Debt
€2.09M ▲ 1.6%
Debt's share of the balance-sheet total falls from 70.4% to 65.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€623k▲
2024 · €618k
Cash flow
€619k▲
2024 · €531k
Current ratio
2.25▲
2024 · 1.89
Debt to equity
1.93▼
2024 · 2.38
ROE
29.9%▲
2024 · 11.1%
ROA
10.2%▲
2024 · 3.3%
Interest coverage
19.75▲
2024 · 14.92
Debt ≤ 1 year
€801k▼
2024 · €883k
Debt > 1 year
€1.27M▲
2024 · €1.16M
Income taxes
€83k▲
2024 · €45k
Staff costs
€1.36M▼
2024 · €1.56M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 67 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.92M€3.17M▲
Fixed assets21/28€1.24M€1.37M▲
Tangible fixed assets22/27€1.24M€1.37M▲
Land and buildings22€162k€128k▼
Plant, machinery and equipment23€77k€30k▼
Furniture and vehicles24€865k€1.04M▲
Leasing and similar rights25€136k€165k▲
Financial fixed assets28€4k€4k=
Current assets29/58€1.67M€1.80M▲
Amounts receivable within one year40/41€1.26M€1.66M▲
Trade receivables40€581k€931k▲
Other amounts receivable41€677k€725k▲
Cash at bank and in hand54/58€404k€111k▼
Deferred charges and accrued income490/1€10k€34k▲
Equity and liabilities
Total equity and liabilities10/49€2.92M€3.17M▲
Equity10/15€862k€1.08M▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€660k€984k▲
Non-distributable reserves130/1€64k€64k=
Legal reserve130€64k€64k=
Tax-exempt reserves132€35k€35k=
Distributable reserves133€561k€885k▲
Profit (loss) carried forward14€0-
Investment grants15€102k€0▼
Provisions and deferred taxes16€0-
Deferred taxes168€0-
Amounts payable17/49€2.05M€2.09M▲
Amounts payable after more than one year17€1.16M€1.27M▲
Financial debts170/4€1.16M€1.27M▲
Amounts payable within one year42/48€883k€801k▼
Current portion of amounts payable after more than one year42€365k€382k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€338k€184k▼
Suppliers440/4€338k€184k▼
Taxes, remuneration and social security45€175k€234k▲
Taxes450/3€36k€74k▲
Remuneration and social security454/9€139k€160k▲
Other amounts payable47/48€6k€449▼
Accrued charges and deferred income492/3€9k€17k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€1.56M€1.36M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€435k€295k▼
Other operating charges640/8€399k€247k▼
Non-recurring operating charges66A-€98k
Gross operating margin9900€2.58M€2.33M▼
Operating profit (loss)9901€182k€328k▲
Financial income75/76B€13k€110k▲
Recurring financial income75€13k€110k▲
Financial charges65/66B€56k€32k▼
Recurring financial charges65€41k€32k▼
Non-recurring financial charges66B€14k€0▼
Profit (loss) for the period before taxes9903€140k€407k▲
Transfer from deferred taxes780€550€0▼
Income taxes67/77€45k€83k▲
Profit (loss) for the period9904€95k€324k▲
Transfer from tax-exempt reserves789€2k€0▼
Profit (loss) for the period to be appropriated9905€97k€324k▲
Appropriation of the result
Profit (loss) to be appropriated9906€97k€324k▲
Transfer from equity791/2€0-
Transfer to equity691/2€97k€324k▲
To other reserves6921€97k€324k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)908727.029.9▲
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Equity above €1MEq €1.08M ▲25.7%
8 profitable years in a row build equity to €1.08M.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €94k ▼71.9%
Net result drops to €94k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €451k ▲72.9%
Net result €451k, the highest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1MEq €1.11M ▲29.6%
3 profitable years in a row build equity to €1.11M.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €853k ▲85.1%
2 profitable years in a row build equity to €853k.
Show earlier events
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Lier · 2 establishment units since 2005
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.
Industriestraat 92500 LierGround area
1.3 ha
Building footprint
4,437 m²
Volume, LiDAR
33,291 m³
2 parcels, Flanders · tallest building 19.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Vervoer Luypaert
since 20052.155.725.030
Industriestraat 9, 2500 Lier
since 20202.307.825.186
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0444/00F002 | Flanders | 7,922 m² | 1 · 3,241 m² | 19.8 m · 3 fl. |
| 12392A0466/00E000 | Flanders | 5,072 m² | 1 · 1,196 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 10 entries · 285,323 EUR awarded · 84,785 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 3,259 EUR | 33,979 EUR |
| 2024 | 3 | 108,067 EUR | 36,387 EUR |
| 2023 | 3 | 173,667 EUR | 14,089 EUR |
| 2022 | 1 | 330 EUR | 330 EUR |
Schemes
Ecologiepremie+
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 4,008 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1971
Fiscal year end30-09
Activities, NACEBEL 2025
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.vervoer-luypaert.be
E-mail:info@vervoer-luypaert.be