"VTB"
ActiveThe computed 12-month bankruptcy probability of "VTB" is 3.2% (moderate). The 2025 annual accounts show equity of €5k and a net result of €248. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 25% of 18173 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-2
Solvency29▲+1
Growth32▼-26
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.03 against 1.45 in 2024; short-term debt: 95.6% and cash: 5.3% of total assets), and 95.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 18173 sector peers (2025).
NBB · sector comparisonPosition among 18173 sector peers
Solvency
better than 25%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
18 d late
2023
30 d late
2022
31 d late
2021
60 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 5.1%
2024 · €5k
2021: €21k
2022: €-15k
2023: €1k
2024: €5k
2021 → 2025
Total assets
€117k▼ 37.8%
2024 · €187k
2021: €117k
2022: €8k
2023: €192k
2024: €187k
2021 → 2025
Net result
€248▼ 93.0%
2024 · €4k
2021: €1k
2022: €-36k
2023: €16k
2024: €4k
2021 → 2025
Working capital
€4k▼ 93.5%
2024 · €57k
2021: €21k
2022: €-17k
2023: €-1k
2024: €57k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€-15k€1k€5k▲ 283%€5k▲ 5.1%
Operating result€-2k-€-36k▼ 1,667%€16k€4k▼ 77.1%€391▼ 89.6%
Net result€1k-€-36k€16k€4k▼ 78.0%€248▼ 93.0%
Turnover and EBIT margin not published: the 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 90% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€1k▼ 32.3%
Current assets
€115k▼ 37.9%
Equity and liabilities €117k
Equity
€5k▲ 5.1%
Debt
€111k▼ 38.9%
The debt ratio falls from 97.4% to 95.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1k▼
2024 · €4k
Cash flow
€898▼
2024 · €4k
Solvency
4.4%▲
2024 · 2.6%
Current ratio
1.03▼
2024 · 1.45
Quick ratio
0.85▲
2024 · 0.64
Debt / equity
21.95▼
2024 · 37.80
ROE
4.9%▼
2024 · 73.9%
ROA
0.2%▼
2024 · 1.9%
Interest coverage
7.24▼
2024 · 25.47
Debt
€111k▼
2024 · €183k
Debt ≤ 1 year
€111k▼
2024 · €128k
Staff costs
€170▼
2024 · €8k
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€187k€117k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€640€136▼
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€140€140=
Current assets29/58€185k€115k▼
Stocks and contracts in progress3€103k€20k▼
Stocks30/36€103k€20k▼
Amounts receivable within one year40/41€79k€87k▲
Trade receivables40€76k€65k▼
Other amounts receivable41€3k€22k▲
Cash at bank and in hand54/58€1k€6k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€187k€117k▼
Equity10/15€5k€5k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-15k€-15k▲
Amounts payable17/49€183k€111k▼
Amounts payable within one year42/48€128k€111k▼
Trade debts44€36k€44k▲
Suppliers440/4€36k€44k▲
Other amounts payable47/48€93k€68k▼
Accrued charges and deferred income492/3€54k-
Income statement
Code20242025
Remuneration, social security and pensions62€8k€170▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€727€649▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€15k€4k▼
Operating profit (loss)9901€4k€391▼
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€175€144▼
Recurring financial charges65€175€144▼
Profit (loss) for the period before taxes9903€4k€248▼
Profit (loss) for the period9904€4k€248▼
Profit (loss) for the period to be appropriated9905€4k€248▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-15k▲
Profit (loss) brought forward from the previous period14P€-19k€-15k▲
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-36k ▼2989%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
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, Manage · 3 establishment units since 2020
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.
rue du Chenia 157170 ManageGround area
2.7 ha
Building footprint
552 m²
Volume, LiDAR
3,198 m³
4 parcels, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
"VTB"
since 20202.311.195.442
"VTB"
since 20232.342.935.228
"VTB"
since 20252.383.438.666
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52043F0062/00K000 | Wallonia | 2.5 ha | - | - |
| 52043A0585/00H003 | Wallonia | 1,058 m² | 1 · 206 m² | 7.8 m · 2 fl. |
| 56352B0049/00V004 | Wallonia | 875 m² | 1 · 79 m² | 5.3 m · 2 fl. |
| 52048C0235/00N003 | Wallonia | 472 m² | 1 · 267 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MNA CARS
BE 1007.106.656
Halle · Eq €5k
LA CLINIQUE DE L'AUTOMOBILE
BE 0474.719.978
Wavre · Eq €5k
AUTOCENTER ANTWERPEN
BE 0568.513.634
Antwerpen · Eq €5k
GSI
BE 0698.658.930
Vorst · Eq €5k
ID Celis
BE 0552.784.984
Zonhoven · Eq €5k
Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 1,550 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2020
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.vendstabagnole.be
E-mail:contact@vendstabagnole.be