VILLA 34
ActiveThe annual accounts of VILLA 34 for fiscal year 2025 show a net loss of 62% of the equity at the start of that year. The 2025 annual accounts show equity of €308k and a net result of €-508k. Equity is shrinking by ~16.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 15% of 461 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-5
Solvency32▼-27
Growth22=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.05 against 0.13 in 2024; short-term debt: 7.5% and cash: 0.3% of total assets), and 92.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-508k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 461 sector peers (2025).
NBB · sector comparisonPosition among 461 sector peers
Solvency
better than 15%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
27 d early
2023
15 d early
2022
4 d early
2021
17 d early
2020
9 d early
2019
15 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€55k▲ 3.1%
2024 · €54k
2019: €2.56M
2020: €2.60M
2021: €2.73M
2022: €387k
2024: €54k
2019 → 2025
EBIT margin
-694.2%▼ 443.5pp
2024 · -250.7%
2019: 14.6%
2020: 3.4%
2021: 9.5%
2022: 43.5%
2024: -250.7%
2019 → 2025
Net result
€-508k▼ 131%
2024 · €-220k
2018: €310k
2019: €246k
2020: €-32k
2021: €77k
2022: €75k
2023: €-290k
2024: €-220k
2018 → 2025
Working capital
€-299k▼ 30.0%
2024 · €-230k
2018: €-125k
2019: €-259k
2020: €-411k
2021: €531k
2022: €-160k
2023: €-169k
2024: €-230k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.73M-€387k▼ 85.9%€54k€55k▲ 3.1%
Equity€2.42M-€1.83M▼ 24.4%€1.04M▼ 43.2%€816k▼ 21.3%€308k▼ 62.3%
Operating result€260k-€168k▼ 35.3%€-222k€-135k▲ 39.4%€-385k▼ 185%
Net result€77k-€75k▼ 2.5%€-290k€-220k▲ 24.0%€-508k▼ 131%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €385k in 2025 against €135k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.20M
Fixed assets
€4.19M▲ 75.0%
Current assets
€15k▼ 55.6%
Equity and liabilities €4.20M
Equity
€308k▼ 62.3%
Debt
€3.90M▲ 142%
The debt ratio rises from 66.4% to 92.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€28k▼
2024 · €58k
Cash flow
€-95k▼
2024 · €-28k
Solvency
7.3%▼
2024 · 33.6%
Current ratio
0.05▼
2024 · 0.13
Quick ratio
0.05▼
2024 · 0.13
Debt / equity
12.65▲
2024 · 1.97
ROE
-165.0%▼
2024 · -27.0%
ROA
-12.1%▼
2024 · -9.1%
Interest coverage
0.23▼
2024 · 0.67
Debt
€3.90M▲
2024 · €1.61M
Debt ≤ 1 year
€313k▲
2024 · €263k
Debt > 1 year
€3.58M▲
2024 · €1.34M
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€2.43M€4.20M▲
Fixed assets21/28€2.39M€4.19M▲
Tangible fixed assets22/27€2.39M€4.19M▲
Land and buildings22€2.38M€3.95M▲
Plant, machinery and equipment23€2k€2k▲
Leasing and similar rights25€0-
Other tangible fixed assets26€11k€10k▼
Assets under construction and advance payments27-€226k
Current assets29/58€33k€15k▼
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€3k€3k▲
Cash at bank and in hand54/58€30k€11k▼
Equity and liabilities
Total equity and liabilities10/49€2.43M€4.20M▲
Equity10/15€816k€308k▼
Contributions10/11€41k€41k=
Reserves13€1.02M€1.02M=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€1.01M€1.01M=
Profit (loss) carried forward14€-241k€-749k▼
Amounts payable17/49€1.61M€3.90M▲
Amounts payable after more than one year17€1.34M€3.58M▲
Financial debts170/4€1.34M€3.58M▲
Amounts payable within one year42/48€263k€313k▲
Current portion of amounts payable after more than one year42€212k€215k▲
Trade debts44€50k€98k▲
Suppliers440/4€50k€98k▲
Other amounts payable47/48€700€700=
Accrued charges and deferred income492/3€11k€194▼
Income statement
Code20242025
Turnover70€54k€55k▲
Non-recurring operating income76A€76k€81k▲
Goods, raw materials, services and sundry goods60/61€53k€87k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€193k€413k▲
Other operating charges640/8€23k€24k▲
Gross operating margin9900€81k€52k▼
Operating profit (loss)9901€-135k€-385k▼
Financial charges65/66B€86k€124k▲
Recurring financial charges65€86k€124k▲
Profit (loss) for the period before taxes9903€-221k€-508k▼
Income taxes67/77€-104-
Profit (loss) for the period9904€-220k€-508k▼
Profit (loss) for the period to be appropriated9905€-220k€-508k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-241k€-749k▼
Profit (loss) brought forward from the previous period14P€-20k€-241k▼
The notes to these accounts (20 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-508k
Net result drops to €-508k, the lowest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.82
Current ratio from 0.54 to 1.82; short-term debt falls from €903k to €648k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Mechelen · 1 establishment unit since 1988
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.
Zandvoortstraat 272800 MechelenGround area
5,900 m²
Building footprint
485 m²
Volume, LiDAR
4,643 m³
2 parcels, Flanders, Wallonia · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
VILLA 34 SPRLU
since 19882.040.940.376
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402A0019/00T000 | Flanders | 3,919 m² | 1 · 324 m² | 17.3 m · 5 fl. |
| 25744E0793/00_000 | Wallonia | 1,981 m² | 1 · 161 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
La residence du lac
BE 0888.382.022
Rixensart · Eq €295k
LE PHALENSTERE
BE 0433.774.991
Farciennes · Eq €322k
AVONDVREDE WOON- EN ZORGCENTRUM
BE 0479.628.079
Linkebeek · Eq €322k
SENIOR - HOME
BE 0428.647.750
Beaumont · Eq €294k
DOMEIN CASTELMOLEN
BE 0460.132.564
Ninove · Eq €290k
Of 322 companies in sector 87101 we hold annual accounts for 235. 116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-1987
Fiscal year end31-12
Activities, NACEBEL
87101Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.