VEYS-VANCLOOSTER
ActiveVEYS-VANCLOOSTER has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.30M and a net result of €242k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-1
Solvency95▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 3.84 against 7.24 in 2024; short-term debt: 13.5% and cash: 13.6% of total assets), and 29.5% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
70.5%
Return on assets
7.4%
Age of the figures
9 mo
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
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
31 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
25 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.30M▲ 1.8%
2024 · €2.26M
2018: €1.09M
2019: €1.17M
2020: €1.38M
2021: €1.59M
2022: €1.82M
2023: €2.03M
2024: €2.26M
2018 → 2025
Total assets
€3.26M▲ 16.8%
2024 · €2.79M
2018: €2.77M
2019: €2.82M
2020: €2.64M
2021: €2.64M
2022: €3.10M
2023: €2.82M
2024: €2.79M
2018 → 2025
Net result
€242k▲ 4.1%
2024 · €232k
2018: €94k
2019: €85k
2020: €206k
2021: €217k
2022: €224k
2023: €210k
2024: €232k
2018 → 2025
Working capital
€1.25M▼ 10.5%
2024 · €1.40M
2018: €679k
2019: €876k
2020: €813k
2021: €835k
2022: €1.26M
2023: €1.18M
2024: €1.40M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.59M-€1.82M▲ 14.1%€2.03M▲ 11.5%€2.26M▲ 11.5%€2.30M▲ 1.8%
Operating result€339k-€347k▲ 2.5%€326k▼ 6.0%€364k▲ 11.5%€362k▼ 0.4%
Net result€217k-€224k▲ 3.2%€210k▼ 6.3%€232k▲ 10.7%€242k▲ 4.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.26M
Fixed assets
€1.57M▲ 34.2%
Current assets
€1.69M▲ 4.2%
Equity and liabilities €3.26M
Equity
€2.30M▲ 1.8%
Debt
€964k▲ 80.0%
The debt ratio rises from 19.2% to 29.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€480k▼
2024 · €488k
Cash flow
€359k▲
2024 · €357k
Solvency
70.5%▼
2024 · 80.8%
Current ratio
3.84▼
2024 · 7.24
Quick ratio
1.49▼
2024 · 3.42
Debt / equity
0.42▲
2024 · 0.24
ROE
10.5%▲
2024 · 10.3%
ROA
7.4%▼
2024 · 8.3%
Interest coverage
17.37▲
2024 · 16.97
Debt
€964k▲
2024 · €535k
Debt ≤ 1 year
€440k▲
2024 · €224k
Debt > 1 year
€507k▲
2024 · €250k
Income taxes
€93k▼
2024 · €103k
Staff costs
€270k▲
2024 · €266k
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€2.79M€3.26M▲
Fixed assets21/28€1.17M€1.57M▲
Tangible fixed assets22/27€1.17M€1.57M▲
Land and buildings22€1.10M€1.54M▲
Plant, machinery and equipment23€21k€14k▼
Furniture and vehicles24€50k€22k▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.62M€1.69M▲
Stocks and contracts in progress3€856k€1.03M▲
Stocks30/36€856k€1.03M▲
Amounts receivable within one year40/41€197k€203k▲
Trade receivables40€189k€186k▼
Other amounts receivable41€8k€17k▲
Cash at bank and in hand54/58€567k€444k▼
Deferred charges and accrued income490/1€1k€9k▲
Equity and liabilities
Total equity and liabilities10/49€2.79M€3.26M▲
Equity10/15€2.26M€2.30M▲
Contributions10/11€332k€332k=
Reserves13€1.93M€1.97M▲
Distributable reserves133€1.93M€1.97M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€535k€964k▲
Amounts payable after more than one year17€250k€507k▲
Financial debts170/4€250k€507k▲
Amounts payable within one year42/48€224k€440k▲
Current portion of amounts payable after more than one year42€0€143k▲
Trade debts44€26k€85k▲
Suppliers440/4€26k€85k▲
Taxes, remuneration and social security45€34k€64k▲
Taxes450/3€12k€42k▲
Remuneration and social security454/9€22k€22k▼
Other amounts payable47/48€163k€148k▼
Accrued charges and deferred income492/3€61k€17k▼
Income statement
Code20242025
Remuneration, social security and pensions62€266k€270k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€124k€118k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€7k▲
Other operating charges640/8€22k€23k▲
Gross operating margin9900€776k€780k▲
Operating profit (loss)9901€364k€362k▼
Financial charges65/66B€29k€28k▼
Recurring financial charges65€29k€28k▼
Profit (loss) for the period before taxes9903€335k€335k▼
Income taxes67/77€103k€93k▼
Profit (loss) for the period9904€232k€242k▲
Profit (loss) for the period to be appropriated9905€232k€242k▲
Appropriation of the result
Profit (loss) to be appropriated9906€232k€242k▲
Transfer from equity791/2-€200k
Transfer to equity691/2€232k€242k▲
To other reserves6921€232k€242k▲
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
Social balance
Average headcount (FTE)90874.34.3=
The notes to these accounts (23 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €242k ▲4.1%
Net result €242k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Equity above €2MEq €2.03M ▲11.5%
6 profitable years in a row build equity to €2.03M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet €85k ▼9.7%
Net result drops to €85k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Torhout · 1 establishment unit since 2006
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.
Roeselaarseweg 108820 TorhoutGround area
4,649 m²
Building footprint
1,538 m²
Volume, LiDAR
8,272 m³
Parcel 31523E0521/00G000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Garage VEYS-VANCLOOSTER
since 20062.155.009.705
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31523E0521/00G000 | Flanders | 4,649 m² | 1 · 1,538 m² | 8.1 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
2025 · 1 entry · 2,420 EUR awarded · 2,420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,420 EUR | 2,420 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Legal Entity Identifier
648800U3Z7ZNIZ9R1M05
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 2,224 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2006
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
45194
47820Retail sale of motor vehicle parts and accessories
46713Wholesale trade
50103
71100
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.