VEST CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of VEST CONSTRUCT is 2.0% (moderate). The 2025 annual accounts show equity of €53k and a net result of €4k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 23% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-14
Solvency47▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 1.8 in 2024; short-term debt: 7% and cash: 0.7% of total assets), but 78% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
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
22%
Return on assets
1.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 23%
← weakest
strongest →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
30 d early
2023
42 d late
2022
31 d late
2021
13 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▲ 7.2%
2024 · €49k
2021: €34k
2022: €36k
2023: €41k
2024: €49k
2021 → 2025
Total assets
€241k▼ 2.6%
2024 · €247k
2021: €264k
2022: €255k
2023: €247k
2024: €247k
2021 → 2025
Net result
€4k▼ 55.1%
2024 · €8k
2021: €14k
2022: €2k
2023: €5k
2024: €8k
2021 → 2025
Working capital
€18k▲ 24.4%
2024 · €14k
2021: €4k
2022: €4k
2023: €8k
2024: €14k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€36k▲ 5.5%€41k▲ 15.0%€49k▲ 19.1%€53k▲ 7.2%
Operating result€21k-€7k▼ 66.1%€11k▲ 57.2%€14k▲ 24.8%€9k▼ 36.7%
Net result€14k-€2k▼ 86.7%€5k▲ 188%€8k▲ 46.6%€4k▼ 55.1%
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 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€206k ▼ 4.1%
Current assets
€35k ▲ 7.3%
Equity and liabilities €241k
Equity
€53k ▲ 7.2%
Debt
€188k ▼ 5.0%
Debt's share of the balance-sheet total falls from 80.0% to 78.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €23k
Cash flow
€12k▼
2024 · €17k
Current ratio
2.06▲
2024 · 1.80
Debt to equity
3.55▼
2024 · 4.01
ROE
6.7%▼
2024 · 16.1%
ROA
1.5%▼
2024 · 3.2%
Interest coverage
4.48▼
2024 · 5.86
Debt ≤ 1 year
€17k▼
2024 · €18k
Debt > 1 year
€169k▼
2024 · €180k
Income taxes
€1k▼
2024 · €3k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€247k€241k▼
Fixed assets21/28€215k€206k▼
Tangible fixed assets22/27€215k€206k▼
Land and buildings22€215k€206k▼
Current assets29/58€32k€35k▲
Amounts receivable within one year40/41€32k€32k=
Trade receivables40€16k€32k▲
Other amounts receivable41€16k-
Cash at bank and in hand54/58€21€2k▲
Deferred charges and accrued income490/1-€634
Equity and liabilities
Total equity and liabilities10/49€247k€241k▼
Equity10/15€49k€53k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€29k€33k▲
Amounts payable17/49€198k€188k▼
Amounts payable after more than one year17€180k€169k▼
Financial debts170/4€180k€169k▼
Amounts payable within one year42/48€18k€17k▼
Current portion of amounts payable after more than one year42€11k€11k▼
Trade debts44€1k€821▼
Suppliers440/4€1k€821▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€131€4k▲
Gross operating margin9900€23k€22k▼
Operating profit (loss)9901€14k€9k▼
Financial income75/76B€964-
Recurring financial income75€964-
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€11k€5k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€33k▲
Profit (loss) brought forward from the previous period14P€21k€29k▲
The notes to these accounts (5 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €2k ▼86.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Scherpenheuvel-Zichem · 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.
Tiensestraat(Z) 1713271 Scherpenheuvel-ZichemGround area
580 m²
Building footprint
128 m²
Volume, LiDAR
111 m³
Parcel 24129D0340/00G002, Flanders · tallest building 3.2 m. Linked by address, not a title deed.
1 establishment unit
VEST CONSTRUCT
since 20202.309.143.297
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24129D0340/00G002 | Flanders | 580 m² | 1 · 128 m² | 3.1 m |
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.
Similar companies · same sector, comparable size
VAN GUCHT JOZEF & GERT
BE 0460.427.425
Puurs-Sint-Amands · Eq €52,838
J V L INTERIEUR
BE 0893.379.007
Oostkamp · Eq €52,843
Li VE
BE 0672.613.836
Malmedy · Eq €52,813
MONTAGEBEDRIJF BAKERMANS
BE 0507.673.551
Hamont-Achel · Eq €52,798
Stal de Kaaibeek
BE 0787.373.051
Westerlo · Eq €52,777
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,443 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 formPrivate limited company
Founded06-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43221Plumbing work
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:vestinterieur@gmail.com
Phone:0477/32.46.99