VANLANCKER MONIA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VANLANCKER MONIA is 1.2% (low). The 2025 annual accounts show equity of €50k and a net result of €14k. Equity is growing by ~50.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 378 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	22-01-2026	9 d early	2026-00013896
30-06-2024	31-01-2025	27-01-2025	4 d early	2025-00013065
30-06-2023	31-01-2024	19-01-2024	12 d early	2024-00003407
30-06-2022	31-01-2023	30-01-2023	1 d early	2023-00007989

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.2% Low

0%0,5%1,5%4%10%≥25%

Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€14k-48.8%

Working capital€35k+99.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 22-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~50.3%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 96, Personal services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	55.0%	25.8%	better than 74% of 378 sector peers
Net result	€14k	€5k	better than 70% of 377 sector peers
Equity	€50k	€16k	better than 75% of 379 sector peers
Gross operating margin	€88k	€29k	better than 79% of 377 sector peers
Staff costs	€46k	€37k	higher than 55% of 184 sector peers

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

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P74

Improving position over 2022-2025 · n=378-1745

Net result P70

Improving position over 2022-2025 · n=377-1742

Equity P75

Stable position over 2022-2025 · n=379-1749

Gross operating margin P79

Stable position over 2022-2025 · n=377-1741

Describes the position versus peers, not a forecast.

EBITDA

€42k

+11.2% 22-25

Net profit

€14k

-48.8% 22-25

Cash flow

€26k

-21.3% 22-25

Total assets

€92k

+3.5% 22-25

Equity

€50k

+36.9% 22-25

Working capital

€35k

+99.3% 22-25

Employees (FTE)

1

-10.0% 22-25

Staff costs

€46k

+19.2% 22-25

Income taxes

€14k

+261.5% 22-25

Debt

€41k

-20.2% 22-25

Debt ≤ 1y

€31k

-10.0% 22-25

Debt > 1y

€10k

-40.2% 22-25

Current ratio

2.14

+41.2% 22-25

Quick ratio

1.50

+46.2% 22-25

Solvency

55.0%

+32.2% 22-25

Debt / equity

0.82

-41.7% 22-25

ROE

27.0%

-62.6% 22-25

ROA

14.8%

-50.5% 22-25

Interest coverage

36.41

-52.3% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€42k
Net profit	€14k
Cash flow	€26k
Staff costs	€46k
Income taxes	€14k
Dividends	-
Total assets	€92k
Equity	€50k
Debt	€41k
of which ≤ 1y	€31k
of which > 1y	€10k
Working capital	€35k
Employees (FTE)	0.9

Ratios (computed)

	2025
Current ratio	2.14
Quick ratio	1.50
Working capital ratio	38.1%
Solvency	55.0%
Debt / equity	0.82
Long-term debt ratio	0.21
Interest coverage	36.41
Gross margin	-
Net margin	-
ROA	14.8%
ROE	27.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €26k · 28.3% Current assets €66k · 71.7%

Equity & liabilities

Equity €50k · 55.0% Debt €41k · 45.0%

Full annual accounts

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€92k
Fixed assets	21/28	€26k
Formation expenses	20	€0
Tangible fixed assets	22/27	€26k
Financial fixed assets	28	€250
Current assets	29/58	€66k
Stocks & contracts in progress	3	€20k
Amounts receivable within one year	40/41	€258
Cash & bank	54/58	€46k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€92k
Equity	10/15	€50k
Contributions / capital	10/11	€10k
Accumulated profits (losses)	14	€40k
Amounts payable	17/49	€41k
Amounts payable after one year	17	€10k
Amounts payable within one year	42/48	€31k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€88k
Operating result	9901	€29k
Financial charges	65	€1k
Result before taxes	9903	€28k
Income taxes	67/77	€14k
Net result for the period	9904	€14k
Result to be appropriated	9905	€14k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

93 / 100 Excellent

050100

Computed from 5 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 from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

VANLANCKER MONIA

Stijn Streuvelsstraat(H) 43, 8551 ZwevegemDetailhandel in kledingaccessoires

since 20212.312.229.976

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

Parcels1

Ground area895 m²

Buildings1

Building footprint255 m²

Volume (LiDAR)993 m³

Tallest building6.5 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34014B0568/00G000	Flanders	895 m²	1 · 255 m²	6.5 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

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

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

92 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 100

Solvency 97

Growth 78

Stability 94

Ask AI about this company

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AI due-diligence brief

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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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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

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We hold annual accounts for 729 of the 21,778 companies in this sector. 478 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Haarverzorging96021Kappers- en barbiersactiviteiten96210Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299

Primary activity highlighted.

Names & trade names

Legal nameNL

VANLANCKER MONIA

Registered office

Stijn Streuvelsstraat(H) 43

8551 Zwevegem, Belgium

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