WouterVdA
ActiveSummary
WouterVdA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €17k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 15% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▲+30
Solvency28=
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.96 against 0.95 in 2024; short-term debt: 86.9% and cash: 4.2% of total assets), and 96.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
3.4%
Return on assets
1.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 10407 sector peers (2025).
NBB · sector comparisonPosition among 10407 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
25 d late
2024
25 d late
2023
28 d late
2022
7 d early
2021
6 d early
2020
122 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€46k▲ 60.5%
2024 · €29k
2020: €41k
2021: €37k▼ -9.3% vs 2020
2022: €81k▲ +120% vs 2021
2023: €126k▲ +55.8% vs 2022highest in 6 years
2024: €29k▼ -77.4% vs 2023lowest in 6 years
2025: €46k▲ +60.5% vs 2024
2020 → 2025
Total assets
€1.33M▲ 26.8%
2024 · €1.05M
2020: €986klowest in 6 years
2021: €1.09M▲ +10.3% vs 2020
2022: €1.62M▲ +48.8% vs 2021
2023: €1.78M▲ +10.1% vs 2022highest in 6 years
2024: €1.05M▼ -41.1% vs 2023
2025: €1.33M▲ +26.8% vs 2024
2020 → 2025
Net result
€17k
2024 · €-98k
2020: €39k
2021: €-4k▼ -110% vs 2020
2022: €44k▲ +1262% vs 2021
2023: €45k▲ +2.5% vs 2022highest in 6 years
2024: €-98k▼ -316% vs 2023lowest in 6 years
2025: €17k▲ +118% vs 2024
2020 → 2025
Working capital
€-43k▼ 7.5%
2024 · €-40k
2020: €180k
2021: €56k▼ -68.6% vs 2020
2022: €228k▲ +304% vs 2021
2023: €510k▲ +123% vs 2022highest in 6 years
2024: €-40k▼ -108% vs 2023
2025: €-43k▼ -7.5% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€81k▲ 120%€126k▲ 55.8%€29k▼ 77.4%€46k▲ 60.5%
2021: €37k
2022: €81k▲ +120% vs 2021
2023: €126k▲ +55.8% vs 2022highest in 5 years
2024: €29k▼ -77.4% vs 2023lowest in 5 years
2025: €46k▲ +60.5% vs 2024
Operating result€7k-€68k▲ 917%€108k▲ 59.0%€-67k€43k
2021: €7k
2022: €68k▲ +917% vs 2021
2023: €108k▲ +59.0% vs 2022highest in 5 years
2024: €-67k▼ -162% vs 2023lowest in 5 years
2025: €43k▲ +164% vs 2024
Net result€-4k-€44k€45k▲ 2.5%€-98k€17k
2021: €-4k
2022: €44k▲ +1262% vs 2021
2023: €45k▲ +2.5% vs 2022highest in 5 years
2024: €-98k▼ -316% vs 2023lowest in 5 years
2025: €17k▲ +118% vs 2024
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 returns to profit in 2025: €43k after a loss of €67k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.33M
Fixed assets
€218k ▼ 22.0%
Current assets
€1.11M ▲ 44.5%
Equity and liabilities €1.33M
Equity
€46k ▲ 60.5%
Debt
€1.28M ▲ 25.8%
Debt's share of the balance-sheet total falls from 97.3% to 96.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€111k▲
2024 · €3k
Cash flow
€85k▲
2024 · €-28k
Current ratio
0.96▲
2024 · 0.95
Quick ratio
0.09▼
2024 · 0.18
Debt to equity
28.04▼
2024 · 35.77
ROE
37.7%▲
2024 · -342.4%
ROA
1.3%▲
2024 · -9.3%
Interest coverage
2.10▲
2024 · 0.08
Debt ≤ 1 year
€1.15M▲
2024 · €809k
Debt > 1 year
€127k▼
2024 · €211k
Income taxes
€150▼
2024 · €467
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.05M€1.33M▲
Fixed assets21/28€279k€218k▼
Intangible fixed assets21€5k€1k▼
Tangible fixed assets22/27€275k€217k▼
Land and buildings22€62k€58k▼
Plant, machinery and equipment23€73k€62k▼
Furniture and vehicles24€140k€96k▼
Current assets29/58€769k€1.11M▲
Stocks and contracts in progress3€620k€1.01M▲
Stocks30/36€620k€1.01M▲
Amounts receivable within one year40/41€11k€39k▲
Trade receivables40€11k€12k▲
Other amounts receivable41-€27k
Cash at bank and in hand54/58€130k€56k▼
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.05M€1.33M▲
Equity10/15€29k€46k▲
Contributions10/11€2k€2k=
Reserves13€89k€89k=
Tax-exempt reserves132€38k€38k=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€-63k€-45k▲
Amounts payable17/49€1.02M€1.28M▲
Amounts payable after more than one year17€211k€127k▼
Financial debts170/4€211k€127k▼
Amounts payable within one year42/48€809k€1.15M▲
Current portion of amounts payable after more than one year42€38k€33k▼
Financial debts43-€101k
Credit institutions430/8-€101k
Trade debts44€24k€93k▲
Suppliers440/4€24k€93k▲
Advances received on contracts in progress46-€147k
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€741k€775k▲
Accrued charges and deferred income492/3€3€2k▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€68k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€7k€115k▲
Operating profit (loss)9901€-67k€43k▲
Financial income75/76B€2k€27k▲
Recurring financial income75€2k€27k▲
Financial charges65/66B€32k€53k▲
Recurring financial charges65€32k€53k▲
Profit (loss) for the period before taxes9903€-97k€17k▲
Income taxes67/77€467€150▼
Profit (loss) for the period9904€-98k€17k▲
Profit (loss) for the period to be appropriated9905€-98k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-45k▲
Profit (loss) brought forward from the previous period14P€35k€-63k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €3k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €32k | €48k | €69k | €68k | ▼ 2.4% |
| Other operating charges640/8 | €2k | €7k | €4k | €5k | €5k | ▲ 3.0% |
| Gross operating margin9900 | €21k | €107k | €160k | €7k | €115k | ▲ 1,511% |
| Operating profit (loss)9901 | €7k | €68k | €108k | €-67k | €43k | ▲ 164% |
| Financial income75/76B | €878 | €12 | €1k | €2k | €27k | ▲ 1,562% |
| Recurring financial income75 | €878 | €12 | €1k | €2k | €27k | ▲ 1,562% |
| Financial charges65/66B | €11k | €16k | €42k | €32k | €53k | ▲ 65.0% |
| Recurring financial charges65 | €11k | €16k | €42k | €32k | €53k | ▲ 65.0% |
| Profit (loss) for the period before taxes9903 | €-4k | €52k | €67k | €-97k | €17k | ▲ 118% |
| Income taxes67/77 | €70 | €8k | €21k | €467 | €150 | ▼ 68.0% |
| Profit (loss) for the period9904 | €-4k | €44k | €45k | €-98k | €17k | ▲ 118% |
| Transfer to tax-exempt reserves689 | - | €38k | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €-4k | €6k | €45k | €-98k | €17k | ▲ 118% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.09M | €1.62M | €1.78M | €1.05M | €1.33M | ▲ 26.8% |
| Fixed assets21/28 | €141k | €235k | €369k | €279k | €218k | ▼ 22.0% |
| Intangible fixed assets21 | €13k | €11k | €9k | €5k | €1k | ▼ 69.8% |
| Tangible fixed assets22/27 | €127k | €223k | €360k | €275k | €217k | ▼ 21.2% |
| Land and buildings22 | €73k | €69k | €66k | €62k | €58k | ▼ 5.9% |
| Plant, machinery and equipment23 | €53k | €88k | €88k | €73k | €62k | ▼ 14.9% |
| Furniture and vehicles24 | €320 | €66k | €206k | €140k | €96k | ▼ 31.3% |
| Financial fixed assets28 | €1k | €1k | - | - | - | - |
| Current assets29/58 | €947k | €1.38M | €1.41M | €769k | €1.11M | ▲ 44.5% |
| Stocks and contracts in progress3 | €922k | €1.29M | €1.37M | €620k | €1.01M | ▲ 62.8% |
| Stocks30/36 | €922k | €1.29M | €1.37M | €620k | €1.01M | ▲ 62.8% |
| Amounts receivable within one year40/41 | €6k | €38k | €19k | €11k | €39k | ▲ 245% |
| Trade receivables40 | - | - | €11k | €11k | €12k | ▲ 9.6% |
| Other amounts receivable41 | €6k | €38k | €8k | - | €27k | - |
| Cash at bank and in hand54/58 | €46 | €35k | €10k | €130k | €56k | ▼ 56.8% |
| Deferred charges and accrued income490/1 | €19k | €20k | €14k | €8k | €6k | ▼ 18.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.09M | €1.62M | €1.78M | €1.05M | €1.33M | ▲ 26.8% |
| Equity10/15 | €37k | €81k | €126k | €29k | €46k | ▲ 60.5% |
| Contributions10/11 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves13 | - | €44k | €89k | €89k | €89k | = |
| Tax-exempt reserves132 | - | €38k | €38k | €38k | €38k | = |
| Distributable reserves133 | - | €6k | €51k | €51k | €51k | = |
| Profit (loss) carried forward14 | €35k | €35k | €35k | €-63k | €-45k | ▲ 27.6% |
| Amounts payable17/49 | €1.05M | €1.54M | €1.66M | €1.02M | €1.28M | ▲ 25.8% |
| Amounts payable after more than one year17 | €160k | €379k | €749k | €211k | €127k | ▼ 39.5% |
| Financial debts170/4 | €160k | €379k | €749k | €211k | €127k | ▼ 39.5% |
| Amounts payable within one year42/48 | €890k | €1.16M | €903k | €809k | €1.15M | ▲ 42.6% |
| Current portion of amounts payable after more than one year42 | €6k | €16k | €37k | €38k | €33k | ▼ 12.8% |
| Financial debts43 | €84k | €503 | €1k | - | €101k | - |
| Credit institutions430/8 | €84k | €503 | €1k | - | €101k | - |
| Trade debts44 | €90k | €86k | €34k | €24k | €93k | ▲ 291% |
| Suppliers440/4 | €90k | €86k | €34k | €24k | €93k | ▲ 291% |
| Advances received on contracts in progress46 | €27k | €175k | €2k | - | €147k | - |
| Taxes, remuneration and social security45 | €100 | €615 | €8k | €7k | €6k | ▼ 9.9% |
| Taxes450/3 | €100 | €615 | €8k | €7k | €6k | ▼ 9.9% |
| Other amounts payable47/48 | €683k | €876k | €822k | €741k | €775k | ▲ 4.6% |
| Accrued charges and deferred income492/3 | €410 | €3k | €4k | €3 | €2k | ▲ 53,954% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €44k | €45k | €-98k | €17k | ▲ 118% |
| + Depreciation and write-downs630 | €12k | €32k | €48k | €69k | €68k | ▼ 2.4% |
| Operating cash flow (approximation) | €8k | €76k | €93k | €-28k | €85k | ▲ 402% |
| Investment in fixed assets (approximation) | - | €-126k | €-182k | €20k | €-6k | ▼ 131% |
| Change in cash | - | €35k | €-25k | €119k | €-74k | ▼ 162% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-98k
Net result drops to €-98k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Highest result since 2020net €45k ▲2.5%
Operating result €108k, net result €45k, both a record.
31-12
Financial
Equity above €100kEq €126k ▲55.8%
2 profitable years in a row build equity to €126k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Dendermonde · 1 establishment unit since 2019
Ground area
5,585 m²
Building footprint
1,631 m²
Volume, LiDAR
10,787 m³
2 parcels, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
WouterVdA
since 20192.300.962.635
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42016B0022/00B000 | Flanders | 4,639 m² | 1 · 1,482 m² | 8.4 m · 2 fl. |
| 42001B0376/00E000 | Flanders | 946 m² | 1 · 149 m² | 11.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,667 companies in sector 47811 we hold annual accounts for 5,220. 3,257 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-11-2019
Fiscal year end31-12
Trade name NL
Funcars of Bizco
Activities, NACEBEL 2025
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)
Scores and ratios are computed by Checked and are not a credit decision.