VANLOU
ActiveVANLOU has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €5k. Equity is shrinking by ~13% per year across the filed fiscal years. Its solvency ranks better than 46% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+63
Solvency54▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.19 in 2024; short-term debt: 70.5% and cash: 73.4% of total assets), and 70.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
29.5%
Return on assets
6.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
on the day
2023
6 d early
2022
28 d late
2021
29 d late
2020
27 d late
2019
123 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▲ 27.0%
2024 · €19k
2018: €51k
2019: €39k
2020: €47k
2021: €18k
2022: €2k
2023: €22k
2024: €19k
2018 → 2025
Total assets
€82k▲ 5.7%
2024 · €78k
2018: €66k
2019: €39k
2020: €72k
2021: €81k
2022: €36k
2023: €78k
2024: €78k
2018 → 2025
Net result
€5k
2024 · €-3k
2018: €-14k
2019: €-13k
2020: €8k
2021: €13k
2022: €-16k
2023: €20k
2024: €-3k
2018 → 2025
Working capital
€15k▲ 40.4%
2024 · €11k
2018: €51k
2020: €42k
2021: €13k
2022: €-771
2023: €16k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€2k▼ 88.5%€22k▲ 987%€19k▼ 14.4%€24k▲ 27.0%
Operating result€13k-€-13k€16k€-2k€7k
Net result€13k-€-16k€20k€-3k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€9k▲ 8.6%
Current assets
€73k▲ 5.4%
Equity and liabilities €82k
Equity
€24k▲ 27.0%
Debt
€58k▼ 1.2%
The debt ratio falls from 75.5% to 70.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €-1k
Cash flow
€6k▲
2024 · €-2k
Solvency
29.5%▲
2024 · 24.5%
Current ratio
1.27▲
2024 · 1.19
Quick ratio
1.09▲
2024 · 0.93
Debt / equity
2.39▼
2024 · 3.08
ROE
21.3%▲
2024 · -16.8%
ROA
6.3%▲
2024 · -4.1%
Interest coverage
6.16▲
2024 · -1.03
Debt
€58k▼
2024 · €59k
Debt ≤ 1 year
€58k▼
2024 · €59k
Income taxes
€962▲
2024 · €-451
Staff costs
€397▼
2024 · €13k
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€78k€82k▲
Fixed assets21/28€8k€9k▲
Tangible fixed assets22/27€3k€3k▲
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€0€0=
Financial fixed assets28€5k€5k=
Current assets29/58€69k€73k▲
Stocks and contracts in progress3€15k€10k▼
Stocks30/36€15k€10k▼
Amounts receivable within one year40/41€5k€62▼
Trade receivables40€0€0=
Other amounts receivable41€5k€62▼
Cash at bank and in hand54/58€49k€60k▲
Deferred charges and accrued income490/1€173€3k▲
Equity and liabilities
Total equity and liabilities10/49€78k€82k▲
Equity10/15€19k€24k▲
Contributions10/11€6k€6k=
Reserves13€16k€18k▲
Distributable reserves133€16k€18k▲
Profit (loss) carried forward14€-3k-
Amounts payable17/49€59k€58k▼
Amounts payable within one year42/48€59k€58k▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€13k€9k▼
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€43k€43k▼
Income statement
Code20242025
Remuneration, social security and pensions62€13k€397▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€715€854▲
Other operating charges640/8€1k€806▼
Gross operating margin9900€12k€9k▼
Operating profit (loss)9901€-2k€7k▲
Financial income75/76B€1€213▲
Recurring financial income75€1€213▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-4k€6k▲
Income taxes67/77€-451€962▲
Profit (loss) for the period9904€-3k€5k▲
Profit (loss) for the period to be appropriated9905€-3k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€2k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer to equity691/2-€2k
To the legal reserve6920-€2k
The notes to these accounts (6 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-16k ▼223%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
01-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 123 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Ciney · 1 establishment unit since 1998
Ground area
3,760 m²
Building footprint
1,329 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
LOU'ANN
since 19982.087.639.245
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030A0654/00L000 | Wallonia | 2,769 m² | 1 · 1,210 m² | - |
| 91001F0106/00B002 | Wallonia | 991 m² | 1 · 120 m² | - |
Linked by address, not proof of ownership
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.
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 385 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-1998
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.