VOS IMMO
ActiveVOS IMMO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €505k and a net result of €58k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-17
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0.5% 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 · 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
99.5%
Return on assets
11.3%
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
43 d early
2023
42 d early
2022
41 d early
2021
33 d early
2020
31 d early
2019
20 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€505k▲ 12.9%
2024 · €447k
2018: €143k
2019: €173k
2020: €218k
2021: €253k
2022: €311k
2023: €381k
2024: €447k
2018 → 2025
Total assets
€507k▲ 1.9%
2024 · €498k
2018: €1.29M
2019: €270k
2020: €1.06M
2021: €276k
2022: €779k
2023: €806k
2024: €498k
2018 → 2025
Net result
€58k▼ 12.5%
2024 · €66k
2018: €38k
2019: €30k
2020: €45k
2021: €35k
2022: €58k
2023: €70k
2024: €66k
2018 → 2025
Working capital
€443k▲ 16.7%
2024 · €380k
2018: €107k
2019: €106k
2020: €139k
2021: €165k
2022: €645k
2023: €661k
2024: €380k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€253k-€311k▲ 22.9%€381k▲ 22.6%€447k▲ 17.2%€505k▲ 12.9%
Operating result€57k-€81k▲ 43.1%€95k▲ 17.4%€90k▼ 5.7%€78k▼ 12.9%
Net result€35k-€58k▲ 65.4%€70k▲ 21.3%€66k▼ 6.6%€58k▼ 12.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €507k
Fixed assets
€61k▼ 8.8%
Current assets
€446k▲ 3.6%
Equity and liabilities €507k
Equity
€505k▲ 12.9%
Debt
€3k▼ 95.0%
The debt ratio falls from 10.2% to 0.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€84k▼
2024 · €100k
Cash flow
€63k▼
2024 · €76k
Solvency
99.5%▲
2024 · 89.8%
Debt / equity
0.01▼
2024 · 0.11
ROE
11.4%▼
2024 · 14.7%
ROA
11.3%▼
2024 · 13.2%
Interest coverage
148.23▲
2024 · 24.95
Debt
€3k▼
2024 · €51k
Debt ≤ 1 year
€3k▼
2024 · €51k
Income taxes
€20k▼
2024 · €20k
A ratio outside any meaningful range has been withheld (balance sheet total €507k, equity €505k).
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€498k€507k▲
Fixed assets21/28€67k€61k▼
Tangible fixed assets22/27€67k€61k▼
Land and buildings22€60k€60k▼
Furniture and vehicles24€7k€1k▼
Current assets29/58€431k€446k▲
Amounts receivable within one year40/41€407k€441k▲
Trade receivables40€10k€21k▲
Other amounts receivable41€397k€420k▲
Cash at bank and in hand54/58€23k€4k▼
Deferred charges and accrued income490/1€516€517▲
Equity and liabilities
Total equity and liabilities10/49€498k€507k▲
Equity10/15€447k€505k▲
Contributions10/11€19k€19k=
Reserves13€428k€485k▲
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Distributable reserves133€426k€483k▲
Amounts payable17/49€51k€3k▼
Amounts payable within one year42/48€51k€3k▼
Trade debts44€432€3k▲
Suppliers440/4€432€3k▲
Taxes, remuneration and social security45€226€16▼
Taxes450/3€226€16▼
Other amounts payable47/48€50k-
Accrued charges and deferred income492/3-€11
Income statement
Code20242025
Non-recurring operating income76A€950-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€6k▼
Other operating charges640/8€13k€14k▲
Gross operating margin9900€113k€98k▼
Operating profit (loss)9901€90k€78k▼
Financial income75/76B€469€0▼
Recurring financial income75€469€0▼
Financial charges65/66B€4k€567▼
Recurring financial charges65€4k€567▼
Profit (loss) for the period before taxes9903€86k€78k▼
Income taxes67/77€20k€20k▼
Profit (loss) for the period9904€66k€58k▼
Profit (loss) for the period to be appropriated9905€66k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€58k▼
Transfer to equity691/2€66k€58k▼
To other reserves6921€66k€58k▼
The notes to these accounts (5 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 21current ratio 175.16
Current ratio from 8.50 to 175.16; short-term debt falls from €51k to €3k.
31-12
Financial
Equity above €500kEq €505k ▲12.9%
8 profitable years in a row build equity to €505k.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €70k ▲21.3%
Operating result €95k, net result €70k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity times 8current ratio 9.47
Current ratio from 1.17 to 9.47; short-term debt falls from €836k to €20k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €218k ▲25.7%
3 profitable years in a row build equity to €218k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €30k ▼20.3%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.75
Current ratio from 1.10 to 2.75; short-term debt falls from €1.06M to €60k.
31-12
Financial
Equity above €150kEq €173k ▲21.3%
2 profitable years in a row build equity to €173k.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Herk-de-Stad · 1 establishment unit since 1987
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.
Industrieweg 11503540 Herk-de-StadGround area
4,850 m²
Building footprint
1,874 m²
Volume, LiDAR
10,679 m³
Parcel 71024A0244/00H000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VOS IMMO BVBA
since 19872.031.631.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71024A0244/00H000 | Flanders | 4,850 m² | 1 · 1,874 m² | 8.5 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.
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DE CLERCQ GEBROEDERS
BE 0420.248.540
Lochristi · Eq €504k
M&M PROJECTS
BE 0806.473.638
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Natuursteen Baeken
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Turnhout · Eq €503k
ELYS GROUPE
BE 0780.385.091
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Of 15,543 companies in sector 43990 we hold annual accounts for 7,421. 4,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-1987
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
46842Wholesale trade
51542
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.