VLAMO
ActiveThe computed 12-month bankruptcy probability of VLAMO is 1.9% (moderate). The 2025 annual accounts show equity of €93k and a net result of €56k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 7391 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency68▼-32
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 6.24 in 2024; short-term debt: 46.9% and cash: 8.2% of total assets), but 56.5% 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 · 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 · 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
Sector 41
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
43.5%
Return on assets
26.1%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-05-2026, 6 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
6 d late
2024
2 d early
2023
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▼ 8.9%
2024 · €102k
2023: €61k
2024: €102k
2023 → 2025
Total assets
€214k▲ 69.2%
2024 · €127k
2023: €106k
2024: €127k
2023 → 2025
Net result
€56k▲ 35.1%
2024 · €41k
2023: €56k
2024: €41k
2023 → 2025
Working capital
€57k▼ 18.4%
2024 · €70k
2023: €41k
2024: €70k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€61k-€102k▲ 68.0%€93k▼ 8.9%
Operating result€57k-€43k▼ 25.1%€72k▲ 68.4%
Net result€56k-€41k▼ 26.0%€56k▲ 35.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 68% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€57k▲ 29.8%
Current assets
€157k▲ 90.0%
Equity and liabilities €214k
Equity
€93k▼ 8.9%
Debt
€121k▲ 395%
The debt ratio rises from 19.3% to 56.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€91k▲
2024 · €57k
Cash flow
€75k▲
2024 · €56k
Solvency
43.5%▼
2024 · 80.7%
Current ratio
1.56▼
2024 · 6.24
Quick ratio
1.56▼
2024 · 4.17
Debt / equity
1.30▲
2024 · 0.24
ROE
60.0%▲
2024 · 40.5%
ROA
26.1%▼
2024 · 32.7%
Interest coverage
47.71▲
2024 · 38.34
Debt
€121k▲
2024 · €24k
Debt ≤ 1 year
€101k▲
2024 · €13k
Debt > 1 year
€21k▲
2024 · €9k
Income taxes
€14k
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€127k€214k▲
Fixed assets21/28€44k€57k▲
Tangible fixed assets22/27€42k€55k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€39k€53k▲
Financial fixed assets28€2k€2k=
Current assets29/58€83k€157k▲
Stocks and contracts in progress3€28k-
Contracts in progress37€28k-
Amounts receivable within one year40/41€53k€140k▲
Trade receivables40€33k€127k▲
Other amounts receivable41€19k€13k▼
Cash at bank and in hand54/58€685€18k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€127k€214k▲
Equity10/15€102k€93k▼
Contributions10/11€5k€5k=
Capital10€5k-
Issued capital100€5k-
Reserves13€500€500=
Non-distributable reserves130/1€500€500=
Legal reserve130€500-
Reserves not available under the articles1311-€500
Profit (loss) carried forward14€97k€88k▼
Amounts payable17/49€24k€121k▲
Amounts payable after more than one year17€9k€21k▲
Financial debts170/4€9k€21k▲
Amounts payable within one year42/48€13k€101k▲
Current portion of amounts payable after more than one year42€8k€11k▲
Trade debts44€5k€66k▲
Suppliers440/4€5k€66k▲
Taxes, remuneration and social security45-€24k
Taxes450/3-€24k
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€19k▲
Other operating charges640/8€2k€264▼
Gross operating margin9900€60k€91k▲
Operating profit (loss)9901€43k€72k▲
Financial income75/76B€0€37▲
Recurring financial income75€0€37▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€41k€70k▲
Income taxes67/77-€14k
Profit (loss) for the period9904€41k€56k▲
Profit (loss) for the period to be appropriated9905€41k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€97k€128k▲
Profit (loss) brought forward from the previous period14P€55k€72k▲
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (9 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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
30-09
Financial
Highest result since 2023net €56k ▲35.1%
Operating result €72k, net result €56k, both a record.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €41k ▼26%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €100kEq €102k ▲68%
2 profitable years in a row build equity to €102k.
25-04
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
2 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, Grimbergen · 1 establishment unit since 2022
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.
Kleinewinkellaan 441853 GrimbergenGround area
7,830 m²
Building footprint
2,609 m²
Volume, LiDAR
625 m³
2 parcels, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VLAMO
since 20222.331.709.655
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0271/00Z004 | Flanders | 6,867 m² | 1 · 2,437 m² | - |
| 23093F0100/00G000 | Flanders | 963 m² | 1 · 172 m² | 5.4 m · 1 fl. |
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.
Recognitions · licences · registrations
Recognised contractor
8 categoriesVLAMO BV42294
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2022
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.