VILLARDOYE
ActiveVILLARDOYE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-20k) and a net result of €-49k. Equity is shrinking by ~84.4% per year across the filed fiscal years. Its solvency ranks better than 14% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
7
/ 100
Critical▼ -29 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+99
Solvency33▲+26
Growth32▼-20
Stability94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.06 against 0.05 in 2024), and equity is negative.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-7.5%
Return on assets
-18.3%
Age of the figures
14 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€20k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-11-2025, 74 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
74 d early
2024
42 d early
2023
65 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-20k
2024 · €29k
2023: €29k
2024: €29k
2023 → 2025
Total assets
€265k▼ 6.7%
2024 · €284k
2023: €329k
2024: €284k
2023 → 2025
Net result
€-49k
2024 · €36
2023: €4k
2024: €36
2023 → 2025
Working capital
€-179k▼ 23.7%
2024 · €-145k
2023: €-157k
2024: €-145k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€29k-€29k▲ 0.1%€-20k
Operating result€10k-€2k▼ 79.2%€-47k
Net result€4k-€36▼ 99.0%€-49k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €47k after €2k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€254k▼ 8.2%
Current assets
€11k▲ 49.5%
Key figures and ratios
EBITDA
€-24k▼
2024 · €25k
Cash flow
€-26k▼
2024 · €23k
Solvency
-7.5%▼
2024 · 10.1%
Current ratio
0.06▲
2024 · 0.05
Quick ratio
0.06▲
2024 · 0.05
Debt / equity
-14.40▼
2024 · 8.87
ROE
245.5%▲
2024 · 0.1%
ROA
-18.3%▼
2024 · 0.0%
Interest coverage
-11.86▼
2024 · 11.65
Debt
€285k▲
2024 · €255k
Debt ≤ 1 year
€190k▲
2024 · €152k
Debt > 1 year
€95k▼
2024 · €103k
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€284k€265k▼
Fixed assets21/28€277k€254k▼
Tangible fixed assets22/27€277k€254k▼
Land and buildings22€277k€254k▼
Current assets29/58€7k€11k▲
Amounts receivable within one year40/41€2k-
Other amounts receivable41€2k-
Cash at bank and in hand54/58€5k€6k▲
Deferred charges and accrued income490/1€267€5k▲
Equity and liabilities
Total equity and liabilities10/49€284k€265k▼
Equity10/15€29k€-20k▼
Contributions10/11€25k€25k=
Reserves13€4k-
Distributable reserves133€4k-
Profit (loss) carried forward14-€-45k
Amounts payable17/49€255k€285k▲
Amounts payable after more than one year17€103k€95k▼
Financial debts170/4€103k€95k▼
Amounts payable within one year42/48€152k€190k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Financial debts43€25k-
Other loans439€25k-
Trade debts44€6k€58k▲
Suppliers440/4€6k€58k▲
Taxes, remuneration and social security45€9-
Taxes450/3€9-
Other amounts payable47/48€113k€123k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€27k€-21k▼
Operating profit (loss)9901€2k€-47k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€45€-49k▼
Income taxes67/77€9-
Profit (loss) for the period9904€36€-49k▼
Profit (loss) for the period to be appropriated9905€36€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36€-49k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€36-
To other reserves6921€36-
The notes to these accounts (8 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
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €-49k ▼135022%
Net result drops to €-49k, the lowest in the series.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ledegem · 1 establishment unit since 2021
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.
Klein Schardauw 148880 LedegemGround area
926 m²
Building footprint
227 m²
Volume, LiDAR
1,032 m³
Parcel 36018A0359/00F002, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VILLARDOYE
since 20212.321.208.515
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36018A0359/00F002 | Flanders | 926 m² | 1 · 227 m² | 7.3 m · 1 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.
Similar companies · same sector, comparable size
VILLA MEDICA
BE 0629.756.365
Rijkevorsel · Eq €29k
FIDUCO
BE 0475.845.475
Comines-Warneton · Eq €29k
Kovera Sint Joris Winge
BE 0552.608.307
Heist-op-den-Berg · Eq €29k
Unicum Immo
BE 0869.731.001
Vosselaar · Eq €29k
AVILO ESTATE GROUP
BE 0726.616.211
Etterbeek · Eq €29k
Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 2,634 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2021
Fiscal year end30-06
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.