VOS TOOLS
ActiveSummary
VOS TOOLS has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14.41M and a net result of €1.19M. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 92% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+2
Solvency100=
Growth68▲+16
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.1M at 30 days acceptable
Liquidity ample (current ratio 7.47 against 7.55 in 2024; short-term debt: 9.2% and cash: 3.5% of total assets), and 15.3% 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.
−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
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
84.7%
Return on assets
7%
Age of the figures
9 mo
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 →
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
1 d late
2022
7 d late
2021
73 d late
2020
4 d late
2019
66 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€15.28M▲ 0.7%
2024 · €15.17M
2018: €11.29M
2019: €11.86M
2020: €12.18M
2021: €12.96M
2022: €12.93M
2023: €13.72M
2024: €15.17M
2018 → 2025
EBIT margin
4.3%▼ 0.6pp
2024 · 5.0%
2018: 8.5%
2019: 13.4%
2020: 10.4%
2021: 6.8%
2022: 7.8%
2023: 5.7%
2024: 5.0%
2018 → 2025
Net result
€1.19M▲ 75.1%
2024 · €678k
2018: €765k
2019: €1.20M
2020: €1.05M
2021: €335k
2022: €889k
2023: €697k
2024: €678k
2018 → 2025
Working capital
€10.10M▼ 6.4%
2024 · €10.79M
2018: €6.86M
2019: €7.65M
2020: €8.90M
2021: €9.17M
2022: €10.07M
2023: €10.56M
2024: €10.79M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€12.96M-€12.93M▼ 0.2%€13.72M▲ 6.1%€15.17M▲ 10.6%€15.28M▲ 0.7%
Equity€10.96M-€11.84M▲ 8.1%€12.54M▲ 5.9%€13.22M▲ 5.4%€14.41M▲ 9.0%
Operating result€876k-€1.00M▲ 14.4%€788k▼ 21.3%€753k▼ 4.5%€664k▼ 11.8%
Net result€335k-€889k▲ 165%€697k▼ 21.6%€678k▼ 2.7%€1.19M▲ 75.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17.01M
Fixed assets
€5.35M ▲ 43.0%
Current assets
€11.66M ▼ 6.3%
Equity and liabilities €17.01M
Equity
€14.41M ▲ 9.0%
Debt
€2.60M ▼ 12.0%
Debt's share of the balance-sheet total falls from 18.3% to 15.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€853k▼
2024 · €924k
Cash flow
€1.38M▲
2024 · €849k
Current ratio
7.47▼
2024 · 7.55
Quick ratio
4.07▼
2024 · 4.54
Debt to equity
0.18▼
2024 · 0.22
ROE
8.2%▲
2024 · 5.1%
ROA
7.0%▲
2024 · 4.2%
Interest coverage
15.88▼
2024 · 31.85
Debt ≤ 1 year
€1.56M▼
2024 · €1.65M
Debt > 1 year
€1.03M▼
2024 · €1.29M
Income taxes
€215k▼
2024 · €240k
Staff costs
€2.14M▲
2024 · €2.10M
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 · 83 lines
Balance sheet
Code20242025
Assets
Total assets20/58€16.18M€17.01M▲
Fixed assets21/28€3.74M€5.35M▲
Intangible fixed assets21€212k€120k▼
Tangible fixed assets22/27€385k€353k▼
Plant, machinery and equipment23€209k€207k▼
Furniture and vehicles24€26k€21k▼
Leasing and similar rights25€150k€109k▼
Other tangible fixed assets26-€16k
Financial fixed assets28€3.15M€4.88M▲
Affiliated companies280/1€3.14M€4.87M▲
Participating interests280€1.89M€1.89M=
Amounts receivable281€1.25M€2.98M▲
Other financial fixed assets284/8€7k€7k=
Shares284€4k€4k=
Amounts receivable and cash guarantees285/8€3k€3k=
Current assets29/58€12.43M€11.66M▼
Amounts receivable after more than one year29€924k-
Other amounts receivable291€924k-
Stocks and contracts in progress3€4.96M€5.30M▲
Stocks30/36€4.96M€5.30M▲
Goods purchased for resale34€4.96M€5.30M▲
Amounts receivable within one year40/41€3.32M€3.59M▲
Trade receivables40€1.88M€1.89M▲
Other amounts receivable41€1.44M€1.70M▲
Current investments50/53€827k€1.70M▲
Other investments51/53€827k€1.70M▲
Cash at bank and in hand54/58€1.98M€590k▼
Deferred charges and accrued income490/1€431k€471k▲
Equity and liabilities
Total equity and liabilities10/49€16.18M€17.01M▲
Equity10/15€13.22M€14.41M▲
Contributions10/11€25k€25k=
Reserves13€13.19M€14.38M▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€992€992=
Distributable reserves133€13.19M€14.38M▲
Amounts payable17/49€2.96M€2.60M▼
Amounts payable after more than one year17€1.29M€1.03M▼
Financial debts170/4€1.29M€1.03M▼
Leasing and similar obligations172€95k€48k▼
Credit institutions173€1.20M€982k▼
Amounts payable within one year42/48€1.65M€1.56M▼
Current portion of amounts payable after more than one year42€260k€262k▲
Trade debts44€885k€585k▼
Suppliers440/4€885k€585k▼
Taxes, remuneration and social security45€464k€677k▲
Taxes450/3€162k€342k▲
Remuneration and social security454/9€302k€335k▲
Other amounts payable47/48€39k€37k▼
Accrued charges and deferred income492/3€20k€14k▼
Income statement
Code20242025
Operating income70/76A€15.33M€15.39M▲
Turnover70€15.17M€15.28M▲
Other operating income74€150k€113k▼
Non-recurring operating income76A€14k-
Operating charges60/66A€14.58M€14.73M▲
Goods for resale, raw materials and consumables60€10.57M€10.45M▼
Purchases600/8€10.39M€10.80M▲
Change in stocks: decrease (increase)609€180k€-347k▼
Services and other goods61€1.67M€1.93M▲
Remuneration, social security and pensions62€2.10M€2.14M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€171k€189k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-66k€-413k▼
Other operating charges640/8€95k€433k▲
Non-recurring operating charges66A€37k-
Operating profit (loss)9901€753k€664k▼
Financial income75/76B€200k€799k▲
Recurring financial income75€200k€799k▲
Income from financial fixed assets750€5k€270k▲
Income from current assets751€63k€65k▲
Other financial income752/9€132k€463k▲
Financial charges65/66B€35k€61k▲
Recurring financial charges65€35k€61k▲
Debt charges650€29k€54k▲
Other financial charges652/9€6k€7k▲
Profit (loss) for the period before taxes9903€918k€1.40M▲
Income taxes67/77€240k€215k▼
Taxes670/3€240k€215k▼
Profit (loss) for the period9904€678k€1.19M▲
Profit (loss) for the period to be appropriated9905€678k€1.19M▲
Appropriation of the result
Profit (loss) to be appropriated9906€678k€1.19M▲
Transfer to equity691/2€678k€1.19M▲
To other reserves6921€678k€1.19M▲
Social balance
Average headcount (FTE)908730.031.3▲
The notes to these accounts (76 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 7 days late
2022
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 73 days late
2021
31-12
Financial
Weakest financial yearnet €335k ▼68%
Net result drops to €335k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 4 days late
2020
31-12
Financial
Equity above €10MEq €10.62M ▲11%
3 profitable years in a row build equity to €10.62M.
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 66 days late
2019
31-12
Financial
Highest result since 2018net €1.20M ▲56.5%
Operating result €1.59M, net result €1.20M, both a record.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
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.
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, Brecht · 2 establishment units since 1984
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.
Heiken 172960 BrechtGround area
8,663 m²
Building footprint
2,265 m²
Volume, LiDAR
17,687 m³
2 parcels, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
VOS TOOLS BVBA
since 19842.023.617.364
Vos Tools Verrebroek
since 20262.385.211.192
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46027B0174/00K000 | Flanders | 6,802 m² | 1 · 2,173 m² | 9.3 m · 3 fl. |
| 11043B0623/00K003 | Flanders | 1,861 m² | 1 · 91 m² | 5.5 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 3,793 EUR awarded · 3,168 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,198 EUR | 1,198 EUR |
| 2024 | 1 | 1,395 EUR | 770 EUR |
| 2023 | 1 | 1,200 EUR | 1,200 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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BG RETAIL
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Of 1,719 companies in sector 47521 we hold annual accounts for 1,288. 281 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
Founded23-12-1983
Fiscal year end31-12
Activities, NACEBEL 2025
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.