VRM Group
ActiveVRM Group has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €251k and a net result of €56k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+2
Solvency79▼-21
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 5.67 in 2024; short-term debt: 11.4% and cash: 23.8% of total assets), and 46.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
53.7%
Return on assets
12%
Age of the figures
9 mo
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
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
8 d early
2023
28 d late
2022
30 d late
2021
25 d late
2020
39 d early
2019
11 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€251k▲ 28.9%
2024 · €194k
2018: €79k
2019: €95k
2020: €117k
2021: €119k
2022: €137k
2023: €176k
2024: €194k
2018 → 2025
Total assets
€466k▲ 116%
2024 · €216k
2018: €119k
2019: €123k
2020: €146k
2021: €172k
2022: €189k
2023: €207k
2024: €216k
2018 → 2025
Net result
€56k▲ 142%
2024 · €23k
2018: €24k
2019: €17k
2020: €23k
2021: €17k
2022: €17k
2023: €40k
2024: €23k
2018 → 2025
Working capital
€72k▼ 28.0%
2024 · €99k
2018: €-2k
2019: €11k
2020: €29k
2021: €49k
2022: €48k
2023: €81k
2024: €99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€137k▲ 14.3%€176k▲ 29.1%€194k▲ 10.3%€251k▲ 28.9%
Operating result€29k-€27k▼ 5.5%€58k▲ 111%€36k▼ 38.2%€84k▲ 133%
Net result€17k-€17k▲ 0.1%€40k▲ 132%€23k▼ 41.6%€56k▲ 142%
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 recovers in 2025; 2025 is 133% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€342k▲ 260%
Current assets
€125k▲ 3.4%
Equity and liabilities €466k
Equity
€251k▲ 28.9%
Debt
€216k▲ 914%
The debt ratio rises from 9.9% to 46.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€101k▲
2024 · €39k
Cash flow
€73k▲
2024 · €26k
Solvency
53.7%▼
2024 · 90.1%
Current ratio
2.34▼
2024 · 5.67
Quick ratio
2.34▼
2024 · 5.67
Debt / equity
0.86▲
2024 · 0.11
ROE
22.4%▲
2024 · 11.9%
ROA
12.0%▲
2024 · 10.8%
Interest coverage
21.59▲
2024 · 15.32
Debt
€216k▲
2024 · €21k
Debt ≤ 1 year
€53k▲
2024 · €21k
Debt > 1 year
€160k
Income taxes
€23k▲
2024 · €10k
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€216k€466k▲
Fixed assets21/28€95k€342k▲
Tangible fixed assets22/27€8k€254k▲
Land and buildings22-€232k
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€569€17k▲
Financial fixed assets28€88k€88k=
Current assets29/58€121k€125k▲
Amounts receivable within one year40/41€28k€11k▼
Trade receivables40€23k€9k▼
Other amounts receivable41€5k€3k▼
Cash at bank and in hand54/58€86k€111k▲
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€216k€466k▲
Equity10/15€194k€251k▲
Contributions10/11€40k€40k=
Reserves13€154k€211k▲
Distributable reserves133€154k€211k▲
Amounts payable17/49€21k€216k▲
Amounts payable after more than one year17-€160k
Financial debts170/4-€160k
Amounts payable within one year42/48€21k€53k▲
Current portion of amounts payable after more than one year42-€23k
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€14k€23k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€17k▲
Other operating charges640/8€2k€417▼
Gross operating margin9900€41k€101k▲
Operating profit (loss)9901€36k€84k▲
Financial income75/76B€4€4▲
Recurring financial income75€4€4▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€33k€79k▲
Income taxes67/77€10k€23k▲
Profit (loss) for the period9904€23k€56k▲
Profit (loss) for the period to be appropriated9905€23k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€56k▲
Transfer from equity791/2€5k-
Transfer to equity691/2€23k€56k▲
To other reserves6921€23k€56k▲
Profit to be distributed694/7€5k-
Return on contributions (dividend)694€5k-
The notes to these accounts (7 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €56k ▲142%
Operating result €84k, net result €56k, both a record.
31-12
Financial
Equity above €200kEq €251k ▲28.9%
8 profitable years in a row build equity to €251k.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €150kEq €176k ▲29.1%
6 profitable years in a row build equity to €176k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €117k ▲23.1%
3 profitable years in a row build equity to €117k.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 11 days late
2019
31-12
Financial
Weakest financial yearnet €17k ▼30.8%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
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
2 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, Keerbergen · 1 establishment unit since 2014
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.
Oude Putsebaan 223140 KeerbergenGround area
2,657 m²
Building footprint
123 m²
Volume, LiDAR
589 m³
Parcel 24472G0205/00F003, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oude Putsebaan 22, 3140 Keerbergen
since 20142.226.432.090
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472G0205/00F003 | Flanders | 2,657 m² | 1 · 123 m² | 8.4 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.
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,492. 2,341 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2014
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.