Age5 yrs
Real estate1 parcel · 476 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of VMB Ham is 0.6% (low). The 2024 annual accounts show equity of €228k and a net result of €219k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 62% of 1709 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Signals
1 signal · with evidenceGrowing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 32 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 31-07-2025 | on the day | 2025-00349403 |
| 31-12-2023 | 31-07-2024 | 31-07-2024 | on the day | 2024-00315626 |
| 31-12-2022 | 31-07-2023 | 31-07-2023 | on the day | 2023-00303674 |
| 31-12-2021 | 31-07-2022 | 29-07-2022 | 2 d early | 2022-20257148 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.6%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Lower-risk legal form
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€219k
Working capital€293k+3163.2%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 31-07-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 26.0% | 14.4% | |
| Net result | €219k | €0 | |
| Equity | €228k | €109k | |
| Gross operating margin | €301k | €51k | |
| Total assets | €878k | €1.50M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P62
Weakening position over 2021-2024
· n=704-1709
P90
Improving position over 2021-2024
· n=704-1705
P60
Improving position over 2021-2024
· n=704-1709
P80
Improving position over 2021-2024
· n=702-1706
Describes the position versus peers, not a forecast.
€219k
-
21-24
€878k
-70.5%
21-24
€228k
+2446.3%
21-24
€293k
+3163.2%
21-24
€45k
-
21-24
€649k
-78.1%
21-24
€585k
-80.3%
21-24
1.50
+49.6%
21-24
Show 5 other metrics
0.79
+818.2%
21-24
26.0%
+8546.0%
21-24
2.84
-99.1%
21-24
96.1%
-
21-24
25.0%
-
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | - |
| Net profit | €219k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €45k |
| Dividends | - |
| Total assets | €878k |
| Equity | €228k |
| Debt | €649k |
| of which ≤ 1y | €585k |
| of which > 1y | - |
| Working capital | €293k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.50 |
| Quick ratio | 0.79 |
| Working capital ratio | 33.3% |
| Solvency | 26.0% |
| Debt / equity | 2.84 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 25.0% |
| ROE | 96.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €878k |
| Current assets | 29/58 | €878k |
| Stocks & contracts in progress | 3 | €413k |
| Amounts receivable within one year | 40/41 | €364k |
| Cash & bank | 54/58 | €101k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €878k |
| Equity | 10/15 | €228k |
| Contributions / capital | 10/11 | €102k |
| Reserves | 13 | €7k |
| Accumulated profits (losses) | 14 | €120k |
| Amounts payable | 17/49 | €649k |
| Amounts payable within one year | 42/48 | €585k |
| Trade debts payable within one year | 44 | €63k |
| Income statement | ||
| Gross operating margin | 9900 | €301k |
| Operating result | 9901 | €300k |
| Financial income | 75 | €7k |
| Financial charges | 65 | €42k |
| Result before taxes | 9903 | €265k |
| Income taxes | 67/77 | €45k |
| Net result for the period | 9904 | €219k |
| Result to be appropriated | 9905 | €219k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed78
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationVMB Ham
since 20212.316.230.930
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area476 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012C0265/00A000 | Flanders | 476 m² | - | - |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
0 of 2 acts readWe know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
5 of 5 axes measured80
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
78
Profitability
100
Solvency
51
Growth
78
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,018 of the 9,649 companies in this sector. 1,340 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Ontwikkeling van residentiële bouwprojecten68121Ontwikkeling van niet-residentiële bouwprojecten68122Activiteiten van ingenieurs en aanverwante technische adviseurs, exclusief landmeters-experts71121
Primary activity highlighted.
Names & trade names
| Legal nameNL | VMB Ham |
Registered office
Kleistraat 68
1785 Merchtem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.