Robby Vermeulen

Active

Private limited companyfounded 20206 yrs activeHoogstraat 101A, 9150 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0744.786.685

The computed 12-month bankruptcy probability of Robby Vermeulen is 1.9% (moderate). The 2025 annual accounts show equity of €123k and a net result of €18k. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 27451 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

65 / 100

Healthy

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

Axes · tick = 2024

Profitability72▼-5

Solvency56▲+4

Growth52=

Track record100

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 2.35 against 2.16 in 2024; short-term debt: 18.2% and cash: 29.1% of total assets), but 69.2% 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

Six 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

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

30.8%

Return on assets

4.4%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

21 d early

2024

27 d early

2023

27 d early

2022

26 d early

2021

30 d early

2020

29 d early

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today31-12-2026 close31-07-2027 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

€123k▲ 16.7%

2024 · €105k

2020: €32k 2021: €49k 2022: €52k 2023: €111k 2024: €105k

2020 → 2025

Total assets

€399k▲ 3.2%

2024 · €386k

2020: €98k 2021: €91k 2022: €88k 2023: €147k 2024: €386k

2020 → 2025

Net result

€18k▼ 27.8%

2024 · €24k

2020: €27k 2021: €17k 2022: €4k 2023: €59k 2024: €24k

2020 → 2025

Working capital

€98k▲ 29.1%

2024 · €76k

2020: €13k 2021: €30k 2022: €30k 2023: €91k 2024: €76k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€49k-€52k▲ 7.2%€111k▲ 113%€105k▼ 5.1%€123k▲ 16.7%

Operating result€22k-€4k▼ 83.1%€75k▲ 1,944%€35k▼ 53.3%€32k▼ 8.6%

Net result€17k-€4k▼ 79.4%€59k▲ 1,581%€24k▼ 58.6%€18k▼ 27.8%

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 9% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €399k

57.2%

42.8%

Fixed assets €228k▼ 6.9%

Current assets €171k▲ 20.7%

Equity and liabilities €399k

30.8%

69.2%

Equity €123k▲ 16.7%

Debt €276k▼ 1.8%

The debt ratio falls from 72.7% to 69.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€51k▲

2024 · €47k

Cash flow

€36k▼

2024 · €37k

Solvency

30.8%▲

2024 · 27.3%

Current ratio

2.35▲

2024 · 2.16

Quick ratio

2.21▲

2024 · 2.04

Debt / equity

2.24▼

2024 · 2.67

ROE

14.3%▼

2024 · 23.1%

ROA

4.4%▼

2024 · 6.3%

Interest coverage

5.78▼

2024 · 14.98

Debt

€276k▼

2024 · €281k

Debt ≤ 1 year

€73k▲

2024 · €65k

Debt > 1 year

€203k▼

2024 · €216k

Income taxes

€6k▼

2024 · €7k

Staff costs

€3k▲

2024 · €1k

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€386k€399k▲

Fixed assets21/28€245k€228k▼

Tangible fixed assets22/27€245k€228k▼

Land and buildings22€4k€4k▼

Plant, machinery and equipment23€12k€7k▼

Furniture and vehicles24€3k€3k▲

Leasing and similar rights25€226k€215k▼

Current assets29/58€141k€171k▲

Stocks and contracts in progress3€8k€10k▲

Stocks30/36€8k€10k▲

Amounts receivable within one year40/41€51k€44k▼

Trade receivables40€51k€38k▼

Other amounts receivable41-€6k

Cash at bank and in hand54/58€82k€116k▲

Deferred charges and accrued income490/1-€180

Equity and liabilities

Total equity and liabilities10/49€386k€399k▲

Equity10/15€105k€123k▲

Contributions10/11€5k€5k=

Reserves13€100k€118k▲

Distributable reserves133€100k€118k▲

Amounts payable17/49€281k€276k▼

Amounts payable after more than one year17€216k€203k▼

Financial debts170/4€216k€203k▼

Amounts payable within one year42/48€65k€73k▲

Current portion of amounts payable after more than one year42€12k€12k▲

Trade debts44€30k€30k▲

Suppliers440/4€30k€30k▲

Taxes, remuneration and social security45€12k€15k▲

Taxes450/3€12k€15k▲

Other amounts payable47/48€11k€15k▲

Income statement Code20242025

Remuneration, social security and pensions62€1k€3k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€19k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€11k

Other operating charges640/8€30k€2k▼

Gross operating margin9900€78k€66k▼

Operating profit (loss)9901€35k€32k▼

Financial charges65/66B€3k€9k▲

Recurring financial charges65€3k€9k▲

Profit (loss) for the period before taxes9903€32k€23k▼

Income taxes67/77€7k€6k▼

Profit (loss) for the period9904€24k€18k▼

Profit (loss) for the period to be appropriated9905€24k€18k▼

Appropriation of the result

Profit (loss) to be appropriated9906€24k€18k▼

Transfer from equity791/2€30k-

Transfer to equity691/2€24k€18k▼

To other reserves6921€24k€18k▼

Profit to be distributed694/7€30k-

Return on contributions (dividend)694€30k-

The notes to these accounts (8 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

Next filing, fiscal year 2026, expected by 31-07-2027

2026

10-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

04-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

04-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2020net €59k ▲1581%

Operating result €75k, net result €59k, both a record.

31-12

Financial Equity above €100kEq €111k ▲113%

4 profitable years in a row build equity to €111k.

05-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €4k ▼79.4%

Net result drops to €4k, the lowest in the series; recovery starts the following year.

01-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

02-07

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.

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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2020

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.

Hoogstraat 101A9150 Beveren-Kruibeke-Zwijndrecht

Ground area

633 m²

Building footprint

108 m²

Parcel 46001A0777/00H000, Flanders. Linked by address, not a title deed.

1 establishment unit

Robby Vermeulen

Hoogstraat 101A, 9150 Beveren-Kruibeke-ZwijndrechtGeneral construction of buildings

since 20202.300.121.408

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46001A0777/00H000	Flanders	633 m²	1 · 108 m²	-

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.

Similar companies · same sector, comparable size

Of 9,528 companies in sector 43222 we hold annual accounts for 5,659. 4,927 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-03-2020

Fiscal year end31-12

Activities, NACEBEL

43211General electrical installation work

43222Installation of electric heating, air conditioning, cooling and ventilation

41001General construction of residential buildings

43221Plumbing work

43990Other specialised construction activities

43999Specialised construction activities

82990Other business support services

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.