Vaeremans
ActiveVaeremans has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €52k. Equity is growing by ~61.4% per year across the filed fiscal years. Its solvency ranks better than 31% of 10040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
66
/ 100
Healthy▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 0.98 in 2024), and 79.2% of the assets are financed with debt.
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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 →
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
20.8%
Return on assets
6.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
22 d late
2023
26 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
75 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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€157k▲ 49.8%
2024 · €105k
2018: €6k
2019: €7k
2020: €16k
2021: €22k
2022: €27k
2023: €55k
2024: €105k
2018 → 2025
Total assets
€755k▼ 13.0%
2024 · €867k
2018: €890k
2019: €867k
2020: €908k
2021: €892k
2022: €742k
2023: €712k
2024: €867k
2018 → 2025
Net result
€52k▲ 4.0%
2024 · €50k
2018: €-5k
2019: €1k
2020: €9k
2021: €6k
2022: €5k
2023: €28k
2024: €50k
2018 → 2025
Working capital
€40k
2024 · €-7k
2018: €102k
2019: €88k
2020: €90k
2021: €82k
2022: €-92k
2023: €-55k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€27k▲ 22.3%€55k▲ 103%€105k▲ 91.8%€157k▲ 49.8%
Operating result€19k-€16k▼ 15.1%€43k▲ 168%€83k▲ 93.8%€91k▲ 8.6%
Net result€6k-€5k▼ 15.9%€28k▲ 463%€50k▲ 81.3%€52k▲ 4.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €755k
Fixed assets
€449k▲ 1.5%
Current assets
€306k▼ 28.0%
Equity and liabilities €755k
Equity
€157k▲ 49.8%
Debt
€598k▼ 21.6%
The debt ratio falls from 87.9% to 79.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€145k▲
2024 · €128k
Cash flow
€107k▲
2024 · €95k
Solvency
20.8%▲
2024 · 12.1%
Current ratio
1.15▲
2024 · 0.98
Quick ratio
0.34▼
2024 · 0.53
Debt / equity
3.81▼
2024 · 7.28
ROE
33.2%▼
2024 · 47.9%
ROA
6.9%▲
2024 · 5.8%
Interest coverage
8.55▲
2024 · 8.05
Debt
€598k▼
2024 · €762k
Debt ≤ 1 year
€266k▼
2024 · €432k
Debt > 1 year
€332k▲
2024 · €330k
Income taxes
€22k▲
2024 · €18k
Staff costs
€38k▲
2024 · €21k
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€867k€755k▼
Fixed assets21/28€442k€449k▲
Tangible fixed assets22/27€442k€449k▲
Land and buildings22€294k€281k▼
Plant, machinery and equipment23€99k€90k▼
Furniture and vehicles24€683€420▼
Leasing and similar rights25€48k€78k▲
Current assets29/58€425k€306k▼
Stocks and contracts in progress3€197k€215k▲
Stocks30/36€197k€215k▲
Amounts receivable within one year40/41€194k€33k▼
Trade receivables40€194k€33k▼
Cash at bank and in hand54/58€29k€54k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€867k€755k▼
Equity10/15€105k€157k▲
Contributions10/11€19k€19k=
Reserves13€2k€27k▲
Distributable reserves133€2k€27k▲
Profit (loss) carried forward14€84k€112k▲
Amounts payable17/49€762k€598k▼
Amounts payable after more than one year17€330k€332k▲
Financial debts170/4€330k€332k▲
Amounts payable within one year42/48€432k€266k▼
Current portion of amounts payable after more than one year42€32k€42k▲
Financial debts43€117k€117k=
Credit institutions430/8€117k€117k=
Trade debts44€216k€42k▼
Suppliers440/4€216k€42k▼
Taxes, remuneration and social security45€25k€31k▲
Taxes450/3€22k€25k▲
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€43k€35k▼
Income statement
Code20242025
Non-recurring operating income76A€165-
Remuneration, social security and pensions62€21k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€54k▲
Other operating charges640/8€3k€6k▲
Non-recurring operating charges66A€630-
Gross operating margin9900€153k€189k▲
Operating profit (loss)9901€83k€91k▲
Financial income75/76B€209€375▲
Recurring financial income75€209€375▲
Financial charges65/66B€16k€17k▲
Recurring financial charges65€16k€17k▲
Profit (loss) for the period before taxes9903€68k€74k▲
Income taxes67/77€18k€22k▲
Profit (loss) for the period9904€50k€52k▲
Profit (loss) for the period to be appropriated9905€50k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€137k▲
Profit (loss) brought forward from the previous period14P€34k€84k▲
Transfer to equity691/2-€25k
To other reserves6921-€25k
Social balance
Average headcount (FTE)90870.40.8▲
The notes to these accounts (9 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €52k ▲4%
Operating result €91k, net result €52k, both a record.
31-12
Financial
Equity above €150kEq €157k ▲49.8%
7 profitable years in a row build equity to €157k.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
31-12
Financial
Equity above €100kEq €105k ▲91.8%
6 profitable years in a row build equity to €105k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 75 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 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, Asse · 1 establishment unit since 1989
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.
Kezeweide 721730 AsseGround area
837 m²
Building footprint
294 m²
Volume, LiDAR
892 m³
Parcel 23053A0161/00Z000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BVBA VAEREMANS THEO
since 19892.042.328.367
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23053A0161/00Z000 | Flanders | 837 m² | 1 · 294 m² | 5.8 m · 1 fl. |
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.
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Of 300 companies in sector 47525 we hold annual accounts for 206. 168 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-1989
Fiscal year end31-12
Activities, NACEBEL
47525Retail trade
47789Other retail sale of new goods
52498
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.