VVDV

Active

Private limited companyfounded 20187 yrs activeOscar Delghuststraat 2, 9600 Ronse, BelgiumKBO/BCE: BE 0707.731.497

The computed 12-month bankruptcy probability of VVDV is 1.6% (moderate). The 2025 annual accounts show equity of €305k and a net result of €14k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 10310 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

68 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability72▼-10

Solvency77▲+7

Growth78=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €20k at 30 days acceptable

Liquidity ample (current ratio 1.94 against 1.75 in 2024; short-term debt: 46.6% and cash: 35% of total assets), and 47.9% 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

Four signals. The signal on the left, the evidence on the right.

+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

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 →

Latest accounts filed on time

The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 30-06-2025, 62 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2026

not confirmed

2025

62 d early

2024

74 d early

2022

34 d early

2021

12 d early

2020

32 d early

2019

on the day

← before the deadline after the 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, abbreviated schema

Equity

€305k▲ 4.8%

2024 · €291k

2019: €63k 2020: €168k 2021: €260k 2022: €295k 2024: €291k

2019 → 2025

Total assets

€585k▼ 9.5%

2024 · €646k

2019: €477k 2020: €630k 2021: €555k 2022: €691k 2024: €646k

2019 → 2025

Net result

€14k▼ 78.9%

2024 · €66k

2019: €13k 2020: €106k 2021: €92k 2022: €52k 2024: €66k

2019 → 2025

Working capital

€255k▲ 9.2%

2024 · €234k

2019: €7k 2020: €105k 2021: €196k 2022: €272k 2024: €234k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220242025Trend

Equity€168k-€260k▲ 54.4%€295k▲ 13.4%€291k▼ 1.3%€305k▲ 4.8%

Operating result€139k-€134k▼ 3.4%€79k▼ 41.2%€87k▲ 10.3%€21k▼ 75.6%

Net result€106k-€92k▼ 13.4%€52k▼ 43.4%€66k▲ 27.8%€14k▼ 78.9%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 76% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €585k

10%

90.3%

Fixed assets €57k▼ 43.9%

Current assets €528k▼ 3.1%

Equity and liabilities €585k

52.1%

47.9%

Equity €305k▲ 4.8%

Debt €280k▼ 21.2%

The debt ratio falls from 55.0% to 47.9%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€73k▼

2024 · €143k

Cash flow

€66k▼

2024 · €122k

Solvency

52.1%▲

2024 · 45.0%

Current ratio

1.94▲

2024 · 1.75

Quick ratio

1.60▲

2024 · 1.45

Debt / equity

0.92▼

2024 · 1.22

ROE

4.6%▼

2024 · 22.8%

ROA

2.4%▼

2024 · 10.3%

Interest coverage

8.54▼

2024 · 17.01

Debt

€280k▼

2024 · €355k

Debt ≤ 1 year

€273k▼

2024 · €311k

Debt > 1 year

€7k▼

2024 · €44k

Income taxes

€7k▼

2024 · €17k

Staff costs

€183k▼

2024 · €195k

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€646k€585k▼

Fixed assets21/28€101k€57k▼

Tangible fixed assets22/27€101k€57k▼

Plant, machinery and equipment23€100k€55k▼

Furniture and vehicles24€773€2k▲

Current assets29/58€545k€528k▼

Stocks and contracts in progress3€93k€93k=

Stocks30/36€93k€93k=

Amounts receivable within one year40/41€15k€29k▲

Trade receivables40-€4k

Other amounts receivable41€15k€25k▲

Current investments50/53€220k€200k▼

Cash at bank and in hand54/58€212k€205k▼

Deferred charges and accrued income490/1€5k€2k▼

Equity and liabilities

Total equity and liabilities10/49€646k€585k▼

Equity10/15€291k€305k▲

Contributions10/11€50k€50k=

Reserves13€241k€255k▲

Non-distributable reserves130/1€5k€5k=

Reserves not available under the articles1311€5k€5k=

Distributable reserves133€236k€250k▲

Amounts payable17/49€355k€280k▼

Amounts payable after more than one year17€44k€7k▼

Financial debts170/4€44k€7k▼

Amounts payable within one year42/48€311k€273k▼

Current portion of amounts payable after more than one year42€41k€39k▼

Trade debts44€173k€210k▲

Suppliers440/4€173k€210k▲

Taxes, remuneration and social security45€37k€23k▼

Taxes450/3€12k-

Remuneration and social security454/9€25k€23k▼

Other amounts payable47/48€60k€423▼

Accrued charges and deferred income492/3-€255

Income statement Code20242025

Remuneration, social security and pensions62€195k€183k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€52k▼

Other operating charges640/8€1k€4k▲

Gross operating margin9900€339k€260k▼

Operating profit (loss)9901€87k€21k▼

Financial income75/76B€5k€8k▲

Recurring financial income75€5k€8k▲

Financial charges65/66B€8k€9k▲

Recurring financial charges65€8k€9k▲

Profit (loss) for the period before taxes9903€84k€21k▼

Income taxes67/77€17k€7k▼

Profit (loss) for the period9904€66k€14k▼

Profit (loss) for the period to be appropriated9905€66k€14k▼

Appropriation of the result

Profit (loss) to be appropriated9906€66k€14k▼

Transfer from equity791/2€4k-

Transfer to equity691/2-€14k

To other reserves6921-€14k

Profit to be distributed694/7€70k-

Return on contributions (dividend)694€70k-

Social balance

Average headcount (FTE)90875.85.6▼

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

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

2025

30-06

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2024

18-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2023

27-06

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

19-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

31-12

Financial Equity above €200kEq €260k ▲54.4%

3 profitable years in a row build equity to €260k.

29-06

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

31-12

Financial Highest result since 2019net €106k ▲745%

Operating result €139k, net result €106k, both a record.

31-12

Financial Equity above €150kEq €168k ▲169%

2 profitable years in a row build equity to €168k.

31-07

NBB filing Annual accounts filed

fiscal year 2019 · 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, Ronse · 1 establishment unit since 2018

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.

Oscar Delghuststraat 29600 Ronse

Ground area

9,482 m²

Building footprint

1,714 m²

Volume, LiDAR

867 m³

Parcel 45041B0667/00K000, Flanders · tallest building 4.2 m. Linked by address, not a title deed.

1 establishment unit

VVDV

Oscar Delghuststraat 2, 9600 RonseWholesale trade

since 20182.280.937.776

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45041B0667/00K000	Flanders	9,482 m²	1 · 1,714 m²	4.2 m

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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Ronse/Renaix2.280.937.776

1 permission

Toelating · Detailhandel met verwerking · since 14-11-2018

Similar companies · same sector, comparable size

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Bio c'Bon Chaussée d'Alsemberg

Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 3,766 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-10-2018

Fiscal year end31-01

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

47113Retail trade

47114Supermarkets

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.