VLUMA
ActiveVLUMA has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €9k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 95% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 10.96 against 3.68 in 2024; short-term debt: 6.2% and cash: 42.1% of total assets), and 8.5% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
91.5%
Return on assets
5.5%
Age of the figures
9 mo
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 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
18 d late
2023
30 d late
2022
31 d late
2021
58 d late
2020
31 d late
2019
91 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▼ 20.5%
2024 · €198k
2018: €115k
2019: €121k
2020: €116k
2021: €155k
2022: €181k
2023: €195k
2024: €198k
2018 → 2025
Total assets
€172k▼ 31.2%
2024 · €250k
2018: €135k
2019: €141k
2020: €123k
2021: €189k
2022: €271k
2023: €247k
2024: €250k
2018 → 2025
Net result
€9k▼ 44.6%
2024 · €17k
2018: €1k
2019: €31k
2020: €19k
2021: €33k
2022: €38k
2023: €15k
2024: €17k
2018 → 2025
Working capital
€106k▼ 15.0%
2024 · €125k
2018: €84k
2019: €101k
2020: €96k
2021: €141k
2022: €127k
2023: €104k
2024: €125k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€181k▲ 16.7%€195k▲ 8.2%€198k▲ 1.2%€157k▼ 20.5%
Operating result€43k-€47k▲ 9.4%€21k▼ 54.3%€27k▲ 25.5%€15k▼ 44.4%
Net result€33k-€38k▲ 14.2%€15k▼ 61.0%€17k▲ 15.6%€9k▼ 44.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€55k▼ 29.7%
Current assets
€117k▼ 31.9%
Equity and liabilities €172k
Equity
€157k▼ 20.5%
Debt
€15k▼ 72.0%
The debt ratio falls from 20.9% to 8.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €51k
Cash flow
€33k▼
2024 · €42k
Solvency
91.5%▲
2024 · 79.1%
Current ratio
10.96▲
2024 · 3.68
Quick ratio
9.83▲
2024 · 3.52
Debt / equity
0.09▼
2024 · 0.26
ROE
6.0%▼
2024 · 8.6%
ROA
5.5%▼
2024 · 6.8%
Interest coverage
9.94▼
2024 · 13.45
Debt
€15k▼
2024 · €52k
Debt ≤ 1 year
€11k▼
2024 · €47k
Debt > 1 year
€1k▼
2024 · €5k
Income taxes
€3k▼
2024 · €7k
Staff costs
€20k▼
2024 · €21k
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€250k€172k▼
Fixed assets21/28€78k€55k▼
Tangible fixed assets22/27€78k€55k▼
Plant, machinery and equipment23€38k€7k▼
Furniture and vehicles24€40k€28k▼
Other tangible fixed assets26-€20k
Financial fixed assets28€135€135=
Current assets29/58€172k€117k▼
Amounts receivable after more than one year29€100k€28k▼
Other amounts receivable291€100k€28k▼
Stocks and contracts in progress3€7k€12k▲
Stocks30/36€7k€12k▲
Amounts receivable within one year40/41€291€2k▲
Trade receivables40€214€0▼
Other amounts receivable41€77€2k▲
Cash at bank and in hand54/58€60k€72k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€250k€172k▼
Equity10/15€198k€157k▼
Contributions10/11€19k€19k=
Reserves13€146k€139k▼
Tax-exempt reserves132€28k€28k=
Distributable reserves133€118k€111k▼
Profit (loss) carried forward14€33k€0▼
Amounts payable17/49€52k€15k▼
Amounts payable after more than one year17€5k€1k▼
Financial debts170/4€5k€1k▼
Amounts payable within one year42/48€47k€11k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43-€782
Credit institutions430/8-€782
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€3k€755▼
Taxes450/3€3k€755▼
Remuneration and social security454/9€7€0▼
Other amounts payable47/48€37k€3k▼
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Non-recurring operating income76A€12k€5k▼
Remuneration, social security and pensions62€21k€20k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€24k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€75k€61k▼
Operating profit (loss)9901€27k€15k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€24k€13k▼
Income taxes67/77€7k€3k▼
Profit (loss) for the period9904€17k€9k▼
Profit (loss) for the period to be appropriated9905€17k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€43k▼
Profit (loss) brought forward from the previous period14P€33k€33k=
Transfer from equity791/2€15k€50k▲
Transfer to equity691/2€17k€43k▲
To contributions691-€0
To the legal reserve6920-€43k
To other reserves6921€17k-
Profit to be distributed694/7€15k€50k▲
Return on contributions (dividend)694€15k€50k▲
The notes to these accounts (11 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 10.96
Current ratio from 3.68 to 10.96; short-term debt falls from €47k to €11k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €38k ▲14.2%
Operating result €47k, net result €38k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Equity above €150kEq €155k ▲33.2%
4 profitable years in a row build equity to €155k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 14.25
Current ratio from 6.14 to 14.25; short-term debt falls from €20k to €7k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Niel · 1 establishment unit since 1997
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.
Wipstraat 402845 NielGround area
1,485 m²
Building footprint
260 m²
Volume, LiDAR
1,978 m³
2 parcels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VLUMA BVBA
since 19972.083.057.479
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11030B0019/00B000 | Flanders | 743 m² | 1 · 130 m² | 11.6 m · 3 fl. |
| 11030B0019/00Y000 | Flanders | 742 m² | 1 · 129 m² | 11.6 m · 2 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
Food safety, FASFC
1 siteNiel2.083.057.479
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Of 3,827 companies in sector 47210 we hold annual accounts for 966. 745 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-1997
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47810Retail trade
52621
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.