VLOEBERGS
ActiveSummary
VLOEBERGS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €475k and a net result of €241k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 44% of 7838 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+7
Solvency64▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.33 in 2024; short-term debt: 31.3% and cash: 20.7% of total assets), but 61% of the assets are financed with debt.
Credit check 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 43
Relative position
BE, all sectors
reference
Sector 43
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 2025Solvency, return and age of the figures
Solvency
39%
Return on assets
19.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
32 d early
2022
26 d early
2021
31 d early
2020
5 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€475k▲ 26.4%
2024 · €375k
2018: €219k
2019: €117k
2020: €302k
2021: €452k
2022: €499k
2023: €400k
2024: €375k
2018 → 2025
Total assets
€1.22M▲ 0.2%
2024 · €1.21M
2018: €475k
2019: €1.12M
2020: €1.22M
2021: €1.34M
2022: €1.19M
2023: €1.25M
2024: €1.21M
2018 → 2025
Net result
€241k▲ 34.0%
2024 · €180k
2018: €107k
2019: €169k
2020: €449k
2021: €353k
2022: €112k
2023: €292k
2024: €180k
2018 → 2025
Working capital
€267k▲ 74.1%
2024 · €153k
2018: €172k
2019: €20k
2020: €182k
2021: €303k
2022: €325k
2023: €218k
2024: €153k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€452k-€499k▲ 10.3%€400k▼ 19.7%€375k▼ 6.3%€475k▲ 26.4%
Operating result€400k-€120k▼ 69.9%€328k▲ 173%€204k▼ 37.9%€262k▲ 28.7%
Net result€353k-€112k▼ 68.3%€292k▲ 161%€180k▼ 38.5%€241k▲ 34.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€569k ▼ 4.5%
Current assets
€648k ▲ 4.8%
Equity and liabilities €1.22M
Equity
€475k ▲ 26.4%
Debt
€742k ▼ 11.5%
Debt's share of the balance-sheet total falls from 69.1% to 61.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€305k▲
2024 · €244k
Cash flow
€284k▲
2024 · €220k
Current ratio
1.70▲
2024 · 1.33
Quick ratio
1.34▲
2024 · 1.15
Debt to equity
1.56▼
2024 · 2.24
ROE
50.8%▲
2024 · 47.9%
ROA
19.8%▲
2024 · 14.8%
Interest coverage
39.22▲
2024 · 31.14
Debt ≤ 1 year
€381k▼
2024 · €465k
Debt > 1 year
€350k▼
2024 · €374k
Income taxes
€43k▲
2024 · €30k
Staff costs
€445k▲
2024 · €413k
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 · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.21M€1.22M▲
Fixed assets21/28€596k€569k▼
Tangible fixed assets22/27€596k€569k▼
Land and buildings22€571k€554k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€20k€13k▼
Current assets29/58€618k€648k▲
Amounts receivable after more than one year29-€35k
Other amounts receivable291-€35k
Stocks and contracts in progress3€83k€136k▲
Stocks30/36€25k€21k▼
Contracts in progress37€58k€114k▲
Amounts receivable within one year40/41€208k€225k▲
Trade receivables40€194k€186k▼
Other amounts receivable41€15k€39k▲
Cash at bank and in hand54/58€311k€251k▼
Deferred charges and accrued income490/1€17k€534▼
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.22M▲
Equity10/15€375k€475k▲
Contributions10/11€13k€13k=
Reserves13€104k€104k=
Tax-exempt reserves132€41k€41k=
Distributable reserves133€63k€63k=
Profit (loss) carried forward14€258k€358k▲
Amounts payable17/49€839k€742k▼
Amounts payable after more than one year17€374k€350k▼
Financial debts170/4€374k€350k▼
Amounts payable within one year42/48€465k€381k▼
Current portion of amounts payable after more than one year42€23k€24k▲
Trade debts44€126k€14k▼
Suppliers440/4€126k€14k▼
Advances received on contracts in progress46€74k€152k▲
Taxes, remuneration and social security45€37k€50k▲
Taxes450/3€5k€10k▲
Remuneration and social security454/9€32k€40k▲
Other amounts payable47/48€205k€142k▼
Accrued charges and deferred income492/3-€11k
Income statement
Code20242025
Remuneration, social security and pensions62€413k€445k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€42k▲
Other operating charges640/8€9k€5k▼
Gross operating margin9900€667k€755k▲
Operating profit (loss)9901€204k€262k▲
Financial income75/76B€14k€29k▲
Recurring financial income75€14k€29k▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€210k€284k▲
Income taxes67/77€30k€43k▲
Profit (loss) for the period9904€180k€241k▲
Profit (loss) for the period to be appropriated9905€180k€241k▲
Appropriation of the result
Profit (loss) to be appropriated9906€463k€499k▲
Profit (loss) brought forward from the previous period14P€283k€258k▼
Profit to be distributed694/7€205k€142k▼
Return on contributions (dividend)694€100k-
Directors or managers695€105k€142k▲
Social balance
Average headcount (FTE)90877.36.8▼
The notes to these accounts (17 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Highest result since 2018net €449k ▲166%
Operating result €522k, net result €449k, both a record.
30-09
Financial
Equity above €200kEq €302k ▲158%
3 profitable years in a row build equity to €302k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Lier · 1 establishment unit since 2006
Ground area
4,535 m²
Building footprint
2,709 m²
Volume, LiDAR
11,645 m³
Parcel 12392A0524/00X000, Flanders · tallest building 5.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fons Vloebergs
since 20062.157.590.202
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0524/00X000 | Flanders | 4,535 m² | 1 · 2,709 m² | 5.0 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 · 4 entries · 13,093 EUR awarded · 11,365 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,728 EUR | 828 EUR |
| 2024 | 1 | 4,931 EUR | 4,103 EUR |
| 2023 | 1 | 5,730 EUR | 5,730 EUR |
| 2022 | 1 | 704 EUR | 704 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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Peer · Eq €474,519
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DECO-FLOOR PARKETVLOEREN
BE 0836.908.080
Oostrozebeke · Eq €475,090
VBD Poorten
BE 0466.221.392
Lommel · Eq €475,095
FELIX AND COM
BE 0541.409.458
Court-Saint-Etienne · Eq €474,126
Of 20,018 companies in sector 43320 we hold annual accounts for 9,132. 6,079 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
Founded04-10-2006
Fiscal year end30-09
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.