Vintage & Construct
ActiveSummary
The computed 12-month bankruptcy probability of Vintage & Construct is 4.6% (elevated). The 2024 annual accounts show negative equity (-€25,546) and a net result of -€5,121. Equity is shrinking by ~100.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 9974 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability30▲+30
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.33 against 0.49 in 2023; short-term debt: 138.4% and cash: 16.2% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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
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 2024Solvency, return and age of the figures
Solvency
-57.5%
Return on assets
-11.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
222324
2022 to 2024 · latest year -€25,546
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
69 d late
2022
5 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 45 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
-€25,546▼ 25.1%
2023 · -€20,425
Total assets
€44,455▼ 37.3%
2023 · €70,942
Net result
-€5,121▲ 85.8%
2023 · -€35,990
Working capital
-€40,990▲ 1.9%
2023 · -€41,799
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202220232024
Operating result€13,358--€34,929-€3,482▲ 90.0%
Net result€11,064--€35,990-€5,121▲ 85.8%
Equity€15,564--€20,425-€25,546▼ 25.1%
Total assets€28,246-€70,942▲ 151%€44,455▼ 37.3%
Debt€12,682-€91,368▲ 620%€70,001▼ 23.4%
Working capital€5,560--€41,799-€40,990▲ 1.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3,482 in 2024 against €34,929 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €44,455
Fixed assets
€23,914 ▼ 23.2%
Current assets
€20,540 ▼ 48.4%
Key figures and ratios
EBITDA
€5,096▲
2023 · -€26,866
Cash flow
€3,457▲
2023 · -€27,927
Solvency
-57.5%▼
2023 · -28.8%
Current ratio
0.33▼
2023 · 0.49
Debt to equity
-2.74▲
2023 · -4.47
ROA
-11.5%▲
2023 · -50.7%
Interest coverage
3.06▲
2023 · -24.13
Debt ≤ 1 year
€61,530▼
2023 · €81,585
Debt > 1 year
€6,222▼
2023 · €8,099
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,035 companies that looked in July 2024 the way this one looks now, 7.2% went bankrupt within 24 months and 82% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.2%
went bankrupt
8.2%
stopped otherwise
82%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,035 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €679 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,657 | €8,063 | €8,578 | ▲ 6.4% |
| Other operating charges640/8 | €676 | €1,884 | €555 | ▼ 70.5% |
| Gross operating margin9900 | €16,370 | -€24,981 | €5,651 | ▲ 123% |
| Operating profit (loss)9901 | €13,358 | -€34,929 | -€3,482 | ▲ 90.0% |
| Financial income75/76B | €137 | €53 | €24 | ▼ 54.4% |
| Recurring financial income75 | €137 | €53 | €24 | ▼ 54.4% |
| Financial charges65/66B | €394 | €1,114 | €1,663 | ▲ 49.3% |
| Recurring financial charges65 | €394 | €1,114 | €1,663 | ▲ 49.3% |
| Profit (loss) for the period before taxes9903 | €13,101 | -€35,990 | -€5,121 | ▲ 85.8% |
| Income taxes67/77 | €2,037 | - | - | - |
| Profit (loss) for the period9904 | €11,064 | -€35,990 | -€5,121 | ▲ 85.8% |
| Profit (loss) for the period to be appropriated9905 | €11,064 | -€35,990 | -€5,121 | ▲ 85.8% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €28,246 | €70,942 | €44,455 | ▼ 37.3% |
| Fixed assets21/28 | €10,004 | €31,157 | €23,914 | ▼ 23.2% |
| Tangible fixed assets22/27 | €10,004 | €31,157 | €23,914 | ▼ 23.2% |
| Plant, machinery and equipment23 | €10,004 | €16,957 | €12,942 | ▼ 23.7% |
| Furniture and vehicles24 | - | €14,200 | €10,973 | ▼ 22.7% |
| Current assets29/58 | €18,242 | €39,785 | €20,540 | ▼ 48.4% |
| Amounts receivable within one year40/41 | €16,914 | €21,937 | €12,500 | ▼ 43.0% |
| Trade receivables40 | €15,353 | €20,573 | €11,893 | ▼ 42.2% |
| Other amounts receivable41 | €1,561 | €1,363 | €607 | ▼ 55.5% |
| Cash at bank and in hand54/58 | €1,108 | €17,571 | €7,208 | ▼ 59.0% |
| Deferred charges and accrued income490/1 | €221 | €278 | €833 | ▲ 200% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €28,246 | €70,942 | €44,455 | ▼ 37.3% |
| Equity10/15 | €15,564 | -€20,425 | -€25,546 | ▼ 25.1% |
| Contributions10/11 | €4,500 | €4,500 | €4,500 | = |
| Profit (loss) carried forward14 | €11,064 | -€24,925 | -€30,046 | ▼ 20.5% |
| Amounts payable17/49 | €12,682 | €91,368 | €70,001 | ▼ 23.4% |
| Amounts payable after more than one year17 | - | €8,099 | €6,222 | ▼ 23.2% |
| Financial debts170/4 | - | €8,099 | €6,222 | ▼ 23.2% |
| Amounts payable within one year42/48 | €12,682 | €81,585 | €61,530 | ▼ 24.6% |
| Current portion of amounts payable after more than one year42 | - | €1,759 | €1,877 | ▲ 6.7% |
| Financial debts43 | - | €152 | €1,976 | ▲ 1,200% |
| Credit institutions430/8 | - | €152 | €1,976 | ▲ 1,200% |
| Trade debts44 | €9,206 | €72,439 | €21,528 | ▼ 70.3% |
| Suppliers440/4 | €9,206 | €72,439 | €21,528 | ▼ 70.3% |
| Taxes, remuneration and social security45 | €2,037 | €3,700 | €6,100 | ▲ 64.9% |
| Taxes450/3 | €2,037 | €3,700 | €6,100 | ▲ 64.9% |
| Other amounts payable47/48 | €1,439 | €3,535 | €30,049 | ▲ 750% |
| Accrued charges and deferred income492/3 | - | €1,684 | €2,249 | ▲ 33.5% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,064 | -€35,990 | -€5,121 | ▲ 85.8% |
| + Depreciation and write-downs630 | €1,657 | €8,063 | €8,578 | ▲ 6.4% |
| Operating cash flow (approximation) | €12,721 | -€27,927 | €3,457 | ▲ 112% |
| Investment in fixed assets (approximation) | - | -€29,216 | -€1,336 | ▲ 95.4% |
| Change in cash | - | €16,463 | -€10,363 | ▼ 163% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Weakest financial yearnet -€35,990
Net result drops to -€35,990, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Wasseiges · 1 establishment unit since 2021
Ground area
731 m²
Building footprint
99 m²
Volume, LiDAR
879 m³
Parcel 64048A0124/00M000, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vintage & Construct
since 20212.317.429.572
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64048A0124/00M000 | Wallonia | 731 m² | 1 · 99 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 10,812 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
Contact
Phone
0470541926Wasseiges
E-invoicing
Reachable via Peppol
Peppol ID
0208:0768674025
Also
9925:BE0768674025
Registered
07-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.