VEVA - CONSTRUCT
ActiveSummary
VEVA - CONSTRUCT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €5k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-6
Solvency93▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 3.52 in 2024; short-term debt: 32.3% and cash: 41.3% of total assets), and 32.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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
67.7%
Return on assets
1.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
24 d early
2023
33 d early
2022
42 d early
2021
29 d late
2020
11 d early
2019
31 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
€203k▲ 2.4%
2024 · €199k
2018: €121k
2019: €126k
2020: €143k
2021: €164k
2022: €175k
2023: €183k
2024: €199k
2018 → 2025
Total assets
€300k▲ 21.6%
2024 · €247k
2018: €238k
2019: €201k
2020: €261k
2021: €277k
2022: €330k
2023: €290k
2024: €247k
2018 → 2025
Net result
€5k▼ 69.6%
2024 · €16k
2018: €8k
2019: €5k
2020: €17k
2021: €21k
2022: €11k
2023: €8k
2024: €16k
2018 → 2025
Working capital
€143k▲ 17.3%
2024 · €122k
2018: €62k
2019: €71k
2020: €82k
2021: €97k
2022: €80k
2023: €97k
2024: €122k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€164k-€175k▲ 6.6%€183k▲ 4.8%€199k▲ 8.6%€203k▲ 2.4%
Operating result€30k-€16k▼ 48.4%€13k▼ 16.9%€24k▲ 82.2%€8k▼ 68.0%
Net result€21k-€11k▼ 47.4%€8k▼ 22.2%€16k▲ 85.8%€5k▼ 69.6%
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 68% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300k
Fixed assets
€61k ▼ 21.2%
Current assets
€240k ▲ 41.0%
Equity and liabilities €300k
Equity
€203k ▲ 2.4%
Debt
€97k ▲ 101%
Debt's share of the balance-sheet total rises from 19.6% to 32.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▼
2024 · €42k
Cash flow
€21k▼
2024 · €34k
Current ratio
2.47▼
2024 · 3.52
Quick ratio
1.79▼
2024 · 2.81
Debt to equity
0.48▲
2024 · 0.24
ROE
2.3%▼
2024 · 7.9%
ROA
1.6%▼
2024 · 6.3%
Interest coverage
107.24▼
2024 · 129.42
Debt ≤ 1 year
€97k▲
2024 · €48k
Income taxes
€3k▼
2024 · €8k
Staff costs
€76k▼
2024 · €99k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€247k€300k▲
Fixed assets21/28€77k€61k▼
Tangible fixed assets22/27€77k€61k▼
Land and buildings22€57k€53k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€9k€5k▼
Leasing and similar rights25€8k-
Current assets29/58€170k€240k▲
Stocks and contracts in progress3€34k€67k▲
Stocks30/36€34k€67k▲
Amounts receivable within one year40/41€30k€44k▲
Trade receivables40€30k€38k▲
Other amounts receivable41€406€6k▲
Cash at bank and in hand54/58€101k€124k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€247k€300k▲
Equity10/15€199k€203k▲
Contributions10/11€30k€30k=
Reserves13€169k€173k▲
Distributable reserves133€169k€173k▲
Amounts payable17/49€48k€97k▲
Amounts payable within one year42/48€48k€97k▲
Current portion of amounts payable after more than one year42€8k-
Trade debts44€13k€63k▲
Suppliers440/4€13k€63k▲
Advances received on contracts in progress46€8k€20k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€8k€3k▼
Remuneration and social security454/9€7k€10k▲
Other amounts payable47/48€5k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€99k€76k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€144k€104k▼
Operating profit (loss)9901€24k€8k▼
Financial income75/76B€2€57▲
Recurring financial income75€2€57▲
Financial charges65/66B€321€226▼
Recurring financial charges65€321€226▼
Profit (loss) for the period before taxes9903€23k€7k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€16k€5k▼
Profit (loss) for the period to be appropriated9905€16k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€5k▼
Transfer to equity691/2€16k€5k▼
To other reserves6921€16k€5k▼
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼69.6%
Net result drops to €5k, the lowest in the series.
31-12
Financial
Equity above €200kEq €203k ▲2.4%
8 profitable years in a row build equity to €203k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €21k ▲19.7%
Operating result €30k, net result €21k, both a record.
31-12
Financial
Equity above €150kEq €164k ▲14.4%
4 profitable years in a row build equity to €164k.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Izegem · 1 establishment unit since 1997
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.
Ardooisestraat 1628870 IzegemGround area
1,023 m²
Building footprint
159 m²
Volume, LiDAR
967 m³
Parcel 36492A1432/00C002, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VEVA-CONSTRUCT BVBA
since 19972.083.790.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36492A1432/00C002 | Flanders | 1,023 m² | 1 · 159 m² | 9.5 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
2023 · 1 entry · 237 EUR awarded · 237 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 237 EUR | 237 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
2 endedMedewerker hout duaal (so)
Plaatser buitenschrijnwerk (so)
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,398 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
Founded08-10-1997
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.