Checked.be
Active
BE 0756.961.472Private limited company
VR-group
Kapellestraat 65 ·2431 Laakdal, Belgium· 5 yrs active
Sector: Wholesale trade
(46389)
Conclusion
The computed 12-month bankruptcy probability of VR-group is 1.8% (moderate). The 2025 annual accounts show equity of €123k and a net result of €27k. Its solvency ranks better than 55% of 322 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €123k |
| Net result | €27k |
| Staff (FTE) | 1.8 |
| Better than sector | 55% |
Snowflake analysis
78
/ 100
Exceptional profile, strong across almost every axis.
Health
86
Profitability
100
Solvency
74
Growth
50
Stability
79
Bankruptcy probability (12 mo)
1.8%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Multiple establishment units
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
No administrative flags
Health barometer
86
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview
Annual accounts filed on 24-12-2025 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 40.5% | 35.1% | |
| Net result | €27k | €44k | |
| Equity | €123k | €275k | |
| Gross operating margin | €147k | €238k | |
| Staff costs | €95k | €171k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €48k |
| Net profit | €27k |
| Cash flow | €39k |
| Staff costs | €95k |
| Income taxes | €8k |
| Dividends | - |
| Total assets | €304k |
| Equity | €123k |
| Debt | €181k |
| of which ≤ 1y | €139k |
| of which > 1y | €39k |
| Working capital | €77k |
| Employees (FTE) | 1.8 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.55 |
| Quick ratio | 1.00 |
| Working capital ratio | 25.3% |
| Solvency | 40.5% |
| Debt / equity | 1.47 |
| Long-term debt ratio | 0.32 |
| Interest coverage | 33.69 |
| Gross margin | - |
| Net margin | - |
| ROA | 9.0% |
| ROE | 22.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €304k |
| Fixed assets | 21/28 | €87k |
| Tangible fixed assets | 22/27 | €87k |
| Current assets | 29/58 | €216k |
| Stocks & contracts in progress | 3 | €76k |
| Amounts receivable within one year | 40/41 | €39k |
| Cash & bank | 54/58 | €94k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €304k |
| Equity | 10/15 | €123k |
| Contributions / capital | 10/11 | €60k |
| Accumulated profits (losses) | 14 | €63k |
| Amounts payable | 17/49 | €181k |
| Amounts payable after one year | 17 | €39k |
| Amounts payable within one year | 42/48 | €139k |
| Trade debts payable within one year | 44 | €91k |
| Income statement | ||
| Gross operating margin | 9900 | €147k |
| Operating result | 9901 | €37k |
| Financial income | 75 | €133 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €35k |
| Income taxes | 67/77 | €8k |
| Net result for the period | 9904 | €27k |
| Result to be appropriated | 9905 | €27k |
Ratios computed by Checked.
Legal Structure
| NACE primary | Wholesale trade(46389) |
| Legal form | Private limited company(610) |
| Incorporation | 23-10-2020 |
| Status | Active |
| Postal code | 2431 |
Establishment units
VR-group
since 20202.309.136.171
VR-group
since 20202.309.136.369
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels 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
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13042A0265/00Y000 | Flanders | 2,023 m² | 1 · 815 m² | 4.3 m · 1 fl. |
| 13042A0634/00Z002 | Flanders | 1,160 m² | 1 · 264 m² | 8.5 m · 2 fl. |
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.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
24-12-2025
NBB filing
Annual accounts filed
29-01-2025
NBB filing
Annual accounts filed
2024
31-01-2024
NBB filing
Annual accounts filed
2023
31-01-2023
NBB filing
Annual accounts filed
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE)
Activities
Groothandel in andere voedingsmiddelen, n.e.g.46389Groothandel in andere voedingsmiddelen, neg46389Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910
Primary activity highlighted.
Names & trade names
| Legal nameNL | VR-group |
Registered office
Kapellestraat 65
2431 Laakdal, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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