VMBF
ActiveThe computed 12-month bankruptcy probability of VMBF is 2.7% (moderate). The 2025 annual accounts show equity of €23k and a net result of €-17k. Its solvency ranks better than 43% of 830 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
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability0
Solvency52
Growth-
Track record79
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.37; short-term debt: 72.8% and cash: 0% of total assets), and 72.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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 →
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 2025Solvency, return and age of the figures
Solvency
27.2%
Return on assets
-19.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-17k
Working capital
€23k
Balance-sheet composition
Equity and liabilities €86k
Equity
€23k
Debt
€63k
Debt finances 72.8% of the balance-sheet total.
Key figures and ratios
Solvency
27.2%
Current ratio
1.37
Quick ratio
1.37
Debt / equity
2.68
ROE
-71.8%
ROA
-19.5%
Debt
€63k
Debt ≤ 1 year
€63k
Staff costs
€20k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€86k
Current assets29/58€86k
Amounts receivable within one year40/41€86k
Other amounts receivable41€86k
Cash at bank and in hand54/58€3
Equity and liabilities
Total equity and liabilities10/49€86k
Equity10/15€23k
Contributions10/11€19k
Capital10€19k
Issued capital100€19k
Reserves13€22k
Non-distributable reserves130/1€2k
Legal reserve130€2k
Distributable reserves133€20k
Profit (loss) carried forward14€-17k
Amounts payable17/49€63k
Amounts payable within one year42/48€63k
Trade debts44€37k
Suppliers440/4€37k
Taxes, remuneration and social security45€26k
Taxes450/3€26k
Income statement
Code2025
Remuneration, social security and pensions62€20k
Other operating charges640/8€773
Gross operating margin9900€-1k
Operating profit (loss)9901€-22k
Financial income75/76B€5k
Recurring financial income75€5k
Financial charges65/66B€44
Recurring financial charges65€44
Profit (loss) for the period before taxes9903€-17k
Profit (loss) for the period9904€-17k
Profit (loss) for the period to be appropriated9905€-17k
Appropriation of the result
Profit (loss) to be appropriated9906€-11k
Profit (loss) brought forward from the previous period14P€6k
Transfer to equity691/2€6k
To the legal reserve6920€2k
To other reserves6921€4k
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
NBB filing
Directors · office · real estate
Directors
3 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, Schoten · 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.
Gelmelenstraat 1152900 SchotenGround area
350 m²
Building footprint
77 m²
Volume, LiDAR
450 m³
Parcel 11442C0216/00S003, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gelmelenstraat 115, 2900 Schoten
since 20222.335.425.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0216/00S003 | Flanders | 350 m² | 1 · 77 m² | 6.4 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.
Similar companies · same sector, comparable size
DEVOLDER BART
BE 0550.803.711
Brugge · Eq €23k
HOUZZ
BE 0633.689.122
Walhain · Eq €23k
LOYD Projects
BE 0536.649.332
Boortmeerbeek · Eq €23k
VISION CONSTRUCTION
BE 0724.587.228
Brussel · Eq €23k
ISEKO
BE 1007.624.815
Anderlecht · Eq €23k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 11,941 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:frank@solidwonen.be
Phone:0475555888