VEVA COLLECTION
ActiveSummary
VEVA COLLECTION has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,317 and a net result of €6,102. Equity is shrinking by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 9% of 5113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
What they do
Agents in the wholesale of furniture, household goods and hardware
NACE 46150Manufacture of dining room, living room, bedroom and bathroom furniture NACE 31004NACE 31091
1 site
How big
€956,925total assets 2025
- Staff
- 6.7 FTE
- Equity
- €35,317
- Profit
- €6,102
Who decides
Accounts filed 31 d late0 of 4 deeds read
Why 60- Higher-failure-rate sector- Weak solvency vs sector+ Long track record+ Lower-risk legal form+ Annual accounts: healthy financial profile+ Growing equityFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability70=
Solvency29▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.7 in 2024; short-term debt: 52.1% and cash: 1.7% of total assets), but 96.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
3.7%
Return on assets
0.6%
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 9% of 5113 sector peers (2025).
NBB · sector comparisonPosition among 5113 sector peers
Solvency
better than 9%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €35,317
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
21 d late
2023
28 d late
2022
31 d late
2021
18 d early
2020
13 d late
2019
47 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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. Usually files around 29 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Back to profitnet €10,609
Financials
Fiscal year 2025Total assets €956,925Profit €6,102Solvency 3.7%Liquidity 1.72
Total assets
€956,925▼ 11.6%
2018 - 2025
Net result
€6,102▼ 42.5%
2018 - 2025
Equity
€35,317▲ 20.9%
2018 - 2025
Staff (FTE)
6.7▲ 6.3%
2018 - 2025
Financials · fiscal year 2025, full schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€0.001m▼ 93.2%€0.005m▲ 738%-€0.06m€0.004m€0.009m▲ 114%
Net result€0.001mbelow the sector's middle half▼ 86.9%€0.001mbelow the sector's middle half▼ 4.4%-€0.05mbelow the sector's middle half€0.01mwithin the sector's middle half€0.006mwithin the sector's middle half▼ 42.5%
Equity€0.07mbelow the sector's middle half▲ 1.4%€0.07mbelow the sector's middle half▲ 1.3%€0.02mbelow the sector's middle half▼ 74.4%€0.03mbelow the sector's middle half▲ 57.0%€0.04mbelow the sector's middle half▲ 20.9%
Total assets€1.3mwithin the sector's middle half▲ 3.4%€1.3mwithin the sector's middle half▲ 0.3%€1.2mwithin the sector's middle half▼ 6.1%€1.1mwithin the sector's middle half▼ 11.6%€1.0mbelow the sector's middle half▼ 11.6%
Debt€1.2m▲ 3.5%€1.2m▲ 0.3%€1.2m▼ 2.1%€1.1m▼ 12.7%€0.9m▼ 12.5%
Working capital€0.6mwithin the sector's middle half▲ 51.4%€0.5mwithin the sector's middle half▼ 6.3%€0.4mwithin the sector's middle half▼ 29.0%€0.4mwithin the sector's middle half▲ 6.9%€0.4mwithin the sector's middle half▼ 12.6%
Solvency5.5%below the sector's middle half▼ 0.1pp5.6%below the sector's middle half▲ 0.1pp1.5%below the sector's middle half▼ 4.1pp2.7%below the sector's middle half▲ 1.2pp3.7%below the sector's middle half▲ 1.0pp
Current ratio2.04within the sector's middle half▲ 0.531.83within the sector's middle half▼ 0.211.53within the sector's middle half▼ 0.311.70within the sector's middle half▲ 0.171.72within the sector's middle half▲ 0.03
Return on assets (ROA)0.1%below the sector's middle half▼ 0.5pp0.1%below the sector's middle half=-4.4%below the sector's middle half▼ 4.5pp1.0%within the sector's middle half▲ 5.4pp0.6%within the sector's middle half▼ 0.3pp
Staff (FTE)8.6above the sector's middle half▼ 15.7%8.2above the sector's middle half▼ 4.7%7.5above the sector's middle half▼ 8.5%6.3within the sector's middle half▼ 16.0%6.7within the sector's middle half▲ 6.3%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result and balance sheet
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 114% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €956,925
Fixed assets
€96,833 ▲ 29.5%
Current assets
€860,092 ▼ 14.6%
Equity and liabilities €956,925
Equity
€35,317 ▲ 20.9%
Debt
€921,608 ▼ 12.5%
Debt's share of the balance-sheet total falls from 97.3% to 96.3%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€38,741▼
2024 · €39,199
Cash flow
€35,752▼
2024 · €45,570
Quick ratio
0.11▲
2024 · 0.08
Debt to equity
26.10▼
2024 · 36.04
ROE
17.3%▼
2024 · 36.3%
Interest coverage
13.12▲
2024 · 9.95
Debt ≤ 1 year
€498,763▼
2024 · €594,025
Debt > 1 year
€338,344▼
2024 · €384,145
Income taxes
€311▼
2024 · €317
Staff costs
€362,259▲
2024 · €354,348
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,082 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 97% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a profit under 5% of the balance sheet
0.8%
went bankrupt
2.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,082 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €7,300 | €0 | - | - | €19,120 | - |
| Remuneration, social security and pensions62 | €445,761 | €353,187 | €396,534 | €354,348 | €362,259 | ▲ 2.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €38,768 | €0 | €34,961 | €29,650 | ▼ 15.2% |
| Other operating charges640/8 | €2,095 | €3,208 | €2,499 | €2,194 | €2,282 | ▲ 4.0% |
| Gross operating margin9900 | €448,408 | €399,787 | €341,353 | €395,741 | €403,282 | ▲ 1.9% |
| Operating profit (loss)9901 | €552 | €4,624 | -€57,680 | €4,239 | €9,091 | ▲ 114% |
| Financial income75/76B | €4,337 | €1,190 | €5,960 | €10,628 | €274 | ▼ 97.4% |
| Recurring financial income75 | €4,337 | €1,190 | €5,960 | €10,628 | €274 | ▼ 97.4% |
| Financial charges65/66B | €3,311 | €4,367 | €1,856 | €3,940 | €2,952 | ▼ 25.1% |
| Recurring financial charges65 | €3,311 | €4,367 | €1,856 | €3,940 | €2,952 | ▼ 25.1% |
| Profit (loss) for the period before taxes9903 | €1,578 | €1,447 | -€53,577 | €10,926 | €6,413 | ▼ 41.3% |
| Income taxes67/77 | €578 | €491 | €525 | €317 | €311 | ▼ 2.0% |
| Profit (loss) for the period9904 | €1,000 | €956 | -€54,101 | €10,609 | €6,102 | ▼ 42.5% |
| Profit (loss) for the period to be appropriated9905 | €1,000 | €956 | -€54,101 | €10,609 | €6,102 | ▼ 42.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.3m | €1.2m | €1.1m | €1.0m | ▼ 11.6% |
| Fixed assets21/28 | €0.2m | €0.1m | €0.1m | €0.07m | €0.1m | ▲ 29.5% |
| Intangible fixed assets21 | €0.01m | €0.009m | €0.009m | €0.007m | €0.004m | ▼ 39.1% |
| Tangible fixed assets22/27 | €0.2m | €0.1m | €0.1m | €0.07m | €0.09m | ▲ 36.1% |
| Land and buildings22 | €0.04m | €0.04m | €0.04m | €0.03m | €0.03m | ▼ 19.2% |
| Plant, machinery and equipment23 | €0.006m | €0.001m | €0.001m | €0.001m | €0.01m | ▲ 1,808% |
| Furniture and vehicles24 | €0.1m | €0.06m | €0.06m | €0.04m | €0.06m | ▲ 57.1% |
| Current assets29/58 | €1.1m | €1.2m | €1.1m | €1.0m | €0.9m | ▼ 14.6% |
| Stocks and contracts in progress3 | €1.0m | €1.0m | €1.0m | €1.0m | €0.8m | ▼ 15.9% |
| Stocks30/36 | €1.0m | €1.0m | €1.0m | €1.0m | €0.8m | ▼ 15.9% |
| Amounts receivable within one year40/41 | €0.07m | €0.1m | €0.09m | €0.02m | €0.04m | ▲ 53.7% |
| Trade receivables40 | €0.07m | €0.1m | €0.09m | €0.02m | €0.03m | ▲ 60.2% |
| Other amounts receivable41 | €271 | €0.002m | €0.003m | €0.003m | €0.003m | = |
| Cash at bank and in hand54/58 | €0.07m | €0.1m | €0.02m | €0.02m | €0.02m | ▼ 27.6% |
| Deferred charges and accrued income490/1 | €0.001m | €0.002m | €0.001m | €0.001m | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.3m | €1.2m | €1.1m | €1.0m | ▼ 11.6% |
| Equity10/15 | €0.07m | €0.07m | €0.02m | €0.03m | €0.04m | ▲ 20.9% |
| Contributions10/11 | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Capital10 | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Issued capital100 | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Reserves13 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Non-distributable reserves130/1 | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Legal reserve130 | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Distributable reserves133 | €0.02m | €0.02m | €0.02m | €0.01m | €0.01m | = |
| Profit (loss) carried forward14 | -€0.01m | -€0.01m | -€0.07m | -€0.06m | -€0.05m | ▲ 11.1% |
| Amounts payable17/49 | €1.2m | €1.2m | €1.2m | €1.1m | €0.9m | ▼ 12.5% |
| Amounts payable after more than one year17 | €0.7m | €0.6m | €0.5m | €0.4m | €0.3m | ▼ 11.9% |
| Financial debts170/4 | €0.7m | €0.6m | €0.5m | €0.4m | €0.3m | ▼ 11.9% |
| Amounts payable within one year42/48 | €0.6m | €0.7m | €0.7m | €0.6m | €0.5m | ▼ 16.0% |
| Current portion of amounts payable after more than one year42 | €0.09m | €0.1m | €0.1m | €0.08m | €0.04m | ▼ 50.5% |
| Trade debts44 | €0.2m | €0.3m | €0.4m | €0.3m | €0.3m | ▼ 12.1% |
| Suppliers440/4 | €0.2m | €0.3m | €0.4m | €0.3m | €0.3m | ▼ 12.1% |
| Taxes, remuneration and social security45 | €0.05m | €0.05m | €0.07m | €0.05m | €0.07m | ▲ 33.9% |
| Taxes450/3 | €0.01m | €0.006m | €0.02m | €0.006m | €0.02m | ▲ 235% |
| Remuneration and social security454/9 | €0.04m | €0.04m | €0.05m | €0.04m | €0.05m | ▲ 5.1% |
| Other amounts payable47/48 | €0.2m | €0.2m | €0.1m | €0.1m | €0.09m | ▼ 23.9% |
| Accrued charges and deferred income492/3 | €0.003m | €0 | €298 | €0.07m | €0.08m | ▲ 12.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,000 | €956 | -€54,101 | €10,609 | €6,102 | ▼ 42.5% |
| + Depreciation and write-downs630 | - | €38,768 | €0 | €34,961 | €29,650 | ▼ 15.2% |
| Operating cash flow (approximation) | €1,000 | €39,724 | -€54,101 | €45,570 | €35,752 | ▼ 21.5% |
| Investment in fixed assets (approximation) | - | €17,304 | €0 | -€3,764 | -€51,708 | ▼ 1,274% |
| Change in cash | - | €29,766 | -€78,217 | €6,121 | -€6,353 | ▼ 204% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 1,741 companies in this sector we hold annual accounts for 758. 549 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
12 eventsLatest 31-08-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
31-12
Financial
Back to profitnet €10,609
Net result €10,609 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet -€54,101
Net result drops to -€54,101, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 47 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
07-07
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Support & recognitions
1 funding sourceFlanders €4,498
Flemish government
€4,498
awarded · 2023 - 2024
Subsidies and aid
Flemish government
2023 to 2024 · 3 entries · €4,498 awarded · €4,498 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | €0 | €195 |
| 2023 | 2 | €4,498 | €4,303 |
Company details
Public limited company · founded 26-06-1991Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPublic limited company
Founded26-06-1991
Fiscal year end31-12
Activities, NACEBEL 2025
31004Manufacture of dining room, living room, bedroom and bathroom furniture
46150Agents in the wholesale of furniture, household goods and hardware
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0444574655
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Maldegem · 1 establishment unit since 1991
Ground area
2,302 m²
Building footprint
2,288 m²
Volume, LiDAR
12,502 m³
Parcel 43010C0177/00X000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
VEVA COLLECTION NV
since 1991unit no. 2.053.825.936
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43010C0177/00X000 | Flanders | 2,301 m² | 1 · 2,288 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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