VF ZWEMBADEN
ActiveSummary
VF ZWEMBADEN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €779k and a net result of €224k. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 493 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability99▲+14
Solvency100=
Growth85=
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 5.18 against 16.36 in 2023; short-term debt: 15.8% and cash: 56.9% of total assets), and 15.8% of the assets are financed with debt.
Credit advice 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 42
Relative position
BE, all sectors
reference
Sector 42
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 2024Solvency, return and age of the figures
Solvency
84.2%
Return on assets
24.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
61 d early
2022
31 d early
2021
24 d late
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Turnover
€1.34M▲ 128%
2019 · €587k
2018: €520k
2019: €587k
2018 → 2020
EBIT margin
22.9%▲ 19.2pp
2019 · 3.7%
2018: 7.4%
2019: 3.7%
2018 → 2020
Net result
€224k▲ 169%
2023 · €83k
2018: €29k
2019: €19k
2020: €222k
2021: €53k
2022: €126k
2023: €83k
2018 → 2024
Working capital
€611k▲ 20.7%
2023 · €506k
2018: €122k
2019: €127k
2020: €308k
2021: €340k
2022: €458k
2023: €506k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€1.34M-
Equity€406k-€443k▲ 9.1%€569k▲ 28.4%€603k▲ 6.0%€779k▲ 29.2%
Operating result€307k-€61k▼ 80.0%€171k▲ 179%€114k▼ 33.4%€318k▲ 179%
Net result€222k-€53k▼ 76.3%€126k▲ 139%€83k▼ 33.7%€224k▲ 169%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 179% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €925k
Fixed assets
€168k ▲ 70.9%
Current assets
€757k ▲ 40.5%
Equity and liabilities €925k
Equity
€779k ▲ 29.2%
Debt
€146k ▲ 328%
Debt's share of the balance-sheet total rises from 5.4% to 15.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€345k▲
2023 · €142k
Cash flow
€251k▲
2023 · €111k
Current ratio
5.18▼
2023 · 16.36
Quick ratio
5.13▼
2023 · 15.28
Debt to equity
0.19▲
2023 · 0.06
ROE
28.7%▲
2023 · 13.8%
ROA
24.2%▲
2023 · 13.1%
Interest coverage
122.59▲
2023 · 99.78
Debt ≤ 1 year
€146k▲
2023 · €33k
Income taxes
€99k▲
2023 · €35k
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 · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€637k€925k▲
Fixed assets21/28€99k€168k▲
Tangible fixed assets22/27€82k€152k▲
Land and buildings22€54k€73k▲
Plant, machinery and equipment23€24k€19k▼
Furniture and vehicles24€4k€60k▲
Financial fixed assets28€17k€17k▲
Current assets29/58€539k€757k▲
Stocks and contracts in progress3€35k€7k▼
Stocks30/36€35k€7k▼
Amounts receivable within one year40/41€182k€215k▲
Trade receivables40€5k€50k▲
Other amounts receivable41€177k€165k▼
Cash at bank and in hand54/58€309k€527k▲
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€637k€925k▲
Equity10/15€603k€779k▲
Contributions10/11€6k€6k=
Reserves13€597k€773k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€28k€28k=
Distributable reserves133€567k€745k▲
Amounts payable17/49€34k€146k▲
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€33k€146k▲
Current portion of amounts payable after more than one year42€7k€1k▼
Trade debts44€10k€11k▲
Suppliers440/4€10k€11k▲
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€10k€85k▲
Taxes450/3€10k€85k▲
Other amounts payable47/48€2k€48k▲
Income statement
Code20232024
Non-recurring operating income76A-€667
Remuneration, social security and pensions62€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€27k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€147k€346k▲
Operating profit (loss)9901€114k€318k▲
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€118k€323k▲
Income taxes67/77€35k€99k▲
Profit (loss) for the period9904€83k€224k▲
Profit (loss) for the period to be appropriated9905€83k€224k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€224k▲
Transfer from equity791/2€49k€48k▼
Transfer to equity691/2€83k€224k▲
To other reserves6921€83k€224k▲
Profit to be distributed694/7€49k€48k▼
Return on contributions (dividend)694€49k€48k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €224k ▲169%
Operating result €318k, net result €224k, both a record.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 6current ratio 19.57
Current ratio from 3.48 to 19.57; short-term debt falls from €137k to €25k.
31-12
Financial
Equity above €500kEq €569k ▲28.4%
5 profitable years in a row build equity to €569k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €406k ▲120%
3 profitable years in a row build equity to €406k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €19k ▼36.7%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Show earlier events
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 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, Beringen · 1 establishment unit since 2010
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.
Diestersesteenweg 1343583 BeringenGround area
1,165 m²
Building footprint
210 m²
Volume, LiDAR
1,133 m³
Parcel 71382C0290/00H000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VF ZWEMBADEN
since 20102.188.849.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382C0290/00H000 | Flanders | 1,165 m² | 1 · 210 m² | 6.5 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
2022 to 2025 · 3 entries · 4,622 EUR awarded · 1,622 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,122 EUR | 122 EUR |
| 2024 | 1 | 600 EUR | 600 EUR |
| 2022 | 1 | 900 EUR | 900 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
PoolGroup
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ZWEMBADEN VALKENBORGH PLUS
BE 0737.546.725
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CRUYSVELTSTEDE
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GLOBAL HERPELGEM
BE 0567.591.837
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ZWEMBADEN DE WILDE
BE 0454.473.704
Oosterzele · Eq €935k
Of 394 companies in sector 42990 we hold annual accounts for 182. 87 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
Founded13-01-2010
Fiscal year end31-12
Activities, NACEBEL 2025
42990Civil engineering
43990Other specialised construction activities
47783Retail trade
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.