VRM Expertise

Active

Private limited companyfounded 20233 yrs activePrinsenbosstraat(KAG) 137, 3270 Scherpenheuvel-Zichem, BelgiumKBO/BCE: BE 0800.248.812

VRM Expertise has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €26k. Its solvency ranks better than 55% of 9369 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

93 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency96▼-1

Growth52

Stability94

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 1.88 against 2.22 in 2024), and 40.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 71

Relative position

BE, all sectors

reference

Sector 71

lower

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-09-2025, 32 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

32 d early

2024

7 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close12-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€76k▲ 52.3%

2024 · €50k

2024: €50k

2024 → 2025

Total assets

€126k▲ 40.2%

2024 · €90k

2024: €90k

2024 → 2025

Net result

€26k▼ 44.9%

2024 · €47k

2024: €47k

2024 → 2025

Working capital

€44k▲ 5.6%

2024 · €42k

2024: €42k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€50k-€76k▲ 52.3%

Operating result€60k-€33k▼ 44.8%

Net result€47k-€26k▼ 44.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 45% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €126k

24.7%

75.3%

Fixed assets €31k▲ 128%

Current assets €95k▲ 24.5%

Equity and liabilities €126k

59.9%

40.1%

Equity €76k▲ 52.3%

Debt €51k▲ 25.4%

The debt ratio falls from 44.9% to 40.1%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€36k▼

2024 · €62k

Cash flow

€29k▼

2024 · €49k

Solvency

59.9%▲

2024 · 55.1%

Current ratio

1.88▼

2024 · 2.22

Quick ratio

1.88▼

2024 · 2.22

Debt / equity

0.67▼

2024 · 0.81

ROE

34.4%▼

2024 · 95.0%

ROA

20.6%▼

2024 · 52.3%

Interest coverage

42.75▼

2024 · 78.26

Debt

€51k▲

2024 · €40k

Debt ≤ 1 year

€51k▲

2024 · €34k

Debt > 1 year

€0▼

2024 · €6k

Income taxes

€7k▼

2024 · €13k

Staff costs

€468▲

2024 · €207

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€90k€126k▲

Fixed assets21/28€14k€31k▲

Tangible fixed assets22/27€14k€31k▲

Plant, machinery and equipment23-€19k

Furniture and vehicles24€14k€12k▼

Current assets29/58€76k€95k▲

Amounts receivable after more than one year29€15k€15k=

Trade receivables290€15k€0▼

Other amounts receivable291-€15k

Amounts receivable within one year40/41€21k€35k▲

Trade receivables40€20k€19k▼

Other amounts receivable41€693€17k▲

Cash at bank and in hand54/58€40k€41k▲

Deferred charges and accrued income490/1€517€4k▲

Equity and liabilities

Total equity and liabilities10/49€90k€126k▲

Equity10/15€50k€76k▲

Contributions10/11€3k€3k=

Reserves13€47k€73k▲

Distributable reserves133€47k€73k▲

Amounts payable17/49€40k€51k▲

Amounts payable after more than one year17€6k€0▼

Financial debts170/4€6k€0▼

Amounts payable within one year42/48€34k€51k▲

Current portion of amounts payable after more than one year42€6k€6k▼

Financial debts43€20€20=

Credit institutions430/8€20€0▼

Other loans439-€20

Trade debts44€8k€34k▲

Suppliers440/4€8k€34k▲

Taxes, remuneration and social security45€20k€10k▼

Taxes450/3€20k€10k▼

Income statement Code20242025

Remuneration, social security and pensions62€207€468▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲

Other operating charges640/8€553€493▼

Gross operating margin9900€63k€37k▼

Operating profit (loss)9901€60k€33k▼

Financial income75/76B€667€1k▲

Recurring financial income75€667€1k▲

Financial charges65/66B€790€846▲

Recurring financial charges65€790€846▲

Profit (loss) for the period before taxes9903€60k€33k▼

Income taxes67/77€13k€7k▼

Profit (loss) for the period9904€47k€26k▼

Profit (loss) for the period to be appropriated9905€47k€26k▼

Appropriation of the result

Profit (loss) to be appropriated9906€47k€26k▼

Transfer to equity691/2€47k€26k▼

To other reserves6921€47k€26k▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-10-2026

2025

29-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

24-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Scherpenheuvel-Zichem · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Prinsenbosstraat(KAG) 1373270 Scherpenheuvel-Zichem

Ground area

7,130 m²

Building footprint

288 m²

Volume, LiDAR

1,571 m³

Parcel 24403D0041/00S000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

VRM Expertise

Prinsenbosstraat(KAG) 137, 3270 Scherpenheuvel-ZichemGeneral construction of buildings

since 20232.343.509.508

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24403D0041/00S000	Flanders	7,130 m²	1 · 288 m²	9.9 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.

Public money · subsidies and aid

Flemish government

2023 to 2025 · 3 entries · 500 EUR awarded · 500 EUR paid

Year	Entries	awarded	paid
2025	1	105 EUR	105 EUR
2024	1	195 EUR	195 EUR
2023	1	200 EUR	200 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

3 entries · 500 EUR · 500 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Legal Entity Identifier

8945000JP3FHX87LO606

live in the LEI register

Similar companies · same sector, comparable size

Gevelinzicht-Ingenieur Architecten

Middelkerke · Eq €75k

Of 18,208 companies in sector 71111 we hold annual accounts for 6,291. 5,445 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded31-03-2023

Fiscal year end31-03

Activities, NACEBEL

71111Activities of building architects

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

41003General construction of other non-residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.