Active BE 0757.657.397Private limited companyOpen bankruptcy

V&O Services

· 5 yrs active

Sector: Non-specialised food retail (47110)

Conclusion Checked

A bankruptcy procedure is open for V&O Services according to publications in the Belgian State Gazette. The file additionally contains 1 administrative flag. The 2022 annual accounts show negative equity (€-76k) and a net result of €-65k.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€-76k
Net result	€-65k
Staff (FTE)	11.4
Better than sector	16%

Snowflake analysis 4 of 5 axes measured · computed by Checked

34 / 100

Fragile profile, watch health in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 0

Profitability 100

Solvency 35

Growth -

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

53 / 100

High riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Components

· Open bankruptcy (+50)

· 1 administrative flag (+3)

Trust signals 2 signals

Register: open bankruptcy

The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags 1 events

Address struck

Health barometer FY 2022 · computed

0 / 100 Critical

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2022 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 30-08-2023 with the NBB · fiscal year 2022 · micro

Sector comparison

Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-23.0%	20.0%	better than 16% of 4290 sector peers
Net result	€-65k	€3k	better than 5% of 4277 sector peers
Equity	€-76k	€14k	better than 5% of 4298 sector peers
Gross operating margin	€173k	€19k	better than 94% of 4267 sector peers
Staff costs	€203k	€30k	higher than 95% of 1883 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2022
Deposit	micro
Revenue	-
EBITDA	€-36k
Net profit	€-65k
Cash flow	€-43k
Staff costs	€203k
Income taxes	-
Dividends	-
Total assets	€329k
Equity	€-76k
Debt	€405k
of which ≤ 1y	€270k
of which > 1y	€135k
Working capital	€-110k
Employees (FTE)	11.4

Ratios (computed)

	2022
Current ratio	0.59
Quick ratio	0.26
Working capital ratio	-33.4%
Solvency	-23.0%
Debt / equity	-5.34
Long-term debt ratio	-1.78
Interest coverage	-4.66
Gross margin	-
Net margin	-
ROA	-19.7%
ROE	85.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2022

Assets

Fixed assets €169k · 51.4% Current assets €160k · 48.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€329k
Fixed assets	21/28	€169k
Intangible fixed assets	21	€157k
Tangible fixed assets	22/27	€8k
Financial fixed assets	28	€4k
Current assets	29/58	€160k
Stocks & contracts in progress	3	€88k
Amounts receivable within one year	40/41	€38k
Cash & bank	54/58	€34k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€329k
Equity	10/15	€-76k
Contributions / capital	10/11	€30k
Accumulated profits (losses)	14	€-106k
Amounts payable	17/49	€405k
Amounts payable after one year	17	€135k
Amounts payable within one year	42/48	€270k
Trade debts payable within one year	44	€190k
Income statement
Gross operating margin	9900	€173k
Operating result	9901	€-57k
Financial income	75	€232
Financial charges	65	€8k
Result before taxes	9903	€-65k
Net result for the period	9904	€-65k
Result to be appropriated	9905	€-65k

Ratios computed by Checked.

Directors & mandates 7 directors

Current directors & mandates

Ozgunes Erturk
Director
State Gazette act 24162274 (14-11-2024)

Current
14-11-2024 → present
El Herbouti Said
Director
State Gazette act 24081474 (29-05-2024)

Current
29-05-2024 → present

Former directors (5)

Van Haaren Lowe Brord
Director
State Gazette act 24162274 (14-11-2024)

Former
- → 14-11-2024
Tulukcu Arafa
Director
State Gazette act 24022537 (05-02-2024)

Former
14-12-2023 → 29-05-2024
2 events
- 29-05-2024 Resigned· Director
- 14-12-2023 Appointed· Director
Tulukcu Halil
Director
State Gazette act 24022537 (05-02-2024)

Former
14-12-2023 → 29-05-2024
2 events
- 29-05-2024 Resigned· Director
- 14-12-2023 Appointed· Director
Tulukcu Serdar
Director
State Gazette act 24022537 (05-02-2024)

Former
14-12-2023 → 29-05-2024
2 events
- 29-05-2024 Resigned· Director
- 14-12-2023 Appointed· Director
Zafiropoulos Vasiliki
Director
State Gazette act 24022537 (05-02-2024)

Former
- → 14-12-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	PATRICK VANHOUTVIN HENDRIK VAN VELDEKE- SINGEL 150 BUS 4, 3500 HASSELT ↔ Also on 65 other cases	14-11-2024 → present	Belgian State Gazette

Legal Structure

NACE primary	Non-specialised food retail(47110)
Legal form	Private limited company(610)
Incorporation	30-10-2020
Status	Active
Postal code	-
First BS signal	20-11-2024
Latest BS signal	20-11-2024

Company structure, linked entities1 linked entities

Mandates

↔ 1 of these mandate-holders are active on other cases, click any red card to open that KBO.

Establishment units 1 location

V&O Services

Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)

since 20202.309.280.384

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44032A0472/00R003	Flanders	1.9 ha	1 · 1,241 m²	18.8 m · 5 fl.
73064B0848/00S000	Flanders	1,881 m²	1 · 664 m²	8.8 m · 1 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

07-03-2025

KBO administration Address struck

Gaston Crommen- Die Sitzadresse Gaston Crommenlaan 8 9050 9050 Gent · event 27-01-2025

2024

20-11-2024

Bankruptcy Opening

Ondernemingsrechtbank Antwerpen, afdeling Hasselt · V&O SERVICES BV GASTON CROMMENLAAN 8, 9050 GENT · event 14-11-2024

14-11-2024

State Gazette act Director changes

29-05-2024

State Gazette act Director changes

05-02-2024

State Gazette act Director changes

2023

30-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

31-08-2022

NBB filing Annual accounts filed

fiscal year 2021 · verkort

Lifecycle & Insolvency Signals 2 events

07-03-2025

KBO administration Address struck

Date: 27-01-2025 · Gaston Crommen- Die Sitzadresse Gaston Crommenlaan 8 9050 9050 Gent · Publications in State Gazette ↗

20-11-2024

Bankruptcy Opening

Date: 14-11-2024 · Ondernemingsrechtbank Antwerpen, afdeling Hasselt · V&O SERVICES BV GASTON CROMMENLAAN 8, 9050 GENT · Publications in State Gazette ↗

Time machine, BS events + macro context 2021, 2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023-2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Belgisch Staatsblad, acts 3 acts

All acts · 3 updated 1 year ago

2024

14-11-2024 1 director appointed, 1 resigning Director changes

Ozgunes Erturk, Bestuurder
Van Haaren Lowe Brord, Bestuurder

Original publication ↗

Technical details

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29-05-2024 1 director appointed, 3 resigning Director changes

El Herbouti Said, Bestuurder
Tulukcu Halil, Bestuurder
Tulukcu Serdar, Bestuurder
Tulukcu Arafa, Bestuurder

Original publication ↗

Technical details

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05-02-2024 3 directors appointed, 1 resigning Director changes

Tulukcu Halil, Bestuurder
Tulukcu Serdar, Bestuurder
Tulukcu Arafa, Bestuurder
Zafiropoulos Vasiliki, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank

Activities

Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114

Primary activity highlighted.

Names & trade names

Legal nameNL

V&O Services

Registration history

27-01-2025 Address struck

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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