Vanobo
ActiveThe computed 12-month bankruptcy probability of Vanobo is 1.8% (moderate). The 2025 annual accounts show equity of €39k and a net result of €14k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 25% of 7321 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency31▼-17
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 0.73 in 2024), and 80.6% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Sector 41
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
19.4%
Return on assets
6.9%
Age of the figures
8 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 03-07-2026, 28 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
28 d early
2024
51 d early
2023
30 d early
2022
38 d early
2021
46 d early
2020
40 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 29.4%
2024 · €55k
2020: €42k
2021: €53k
2022: €103k
2023: €74k
2024: €55k
2020 → 2025
Total assets
€201k▲ 26.1%
2024 · €160k
2020: €154k
2021: €188k
2022: €276k
2023: €248k
2024: €160k
2020 → 2025
Net result
€14k▲ 26.5%
2024 · €11k
2020: €47k
2021: €18k
2022: €55k
2023: €1k
2024: €11k
2020 → 2025
Working capital
€19k
2024 · €-15k
2020: €16k
2021: €-618
2022: €33k
2023: €9k
2024: €-15k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€103k▲ 93.5%€74k▼ 27.9%€55k▼ 25.7%€39k▼ 29.4%
Operating result€20k-€65k▲ 229%€7k▼ 89.8%€20k▲ 204%€24k▲ 20.3%
Net result€18k-€55k▲ 196%€1k▼ 97.7%€11k▲ 758%€14k▲ 26.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€123k▲ 5.0%
Current assets
€78k▲ 84.9%
Equity and liabilities €201k
Equity
€39k▼ 29.4%
Debt
€162k▲ 55.5%
The debt ratio rises from 65.4% to 80.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€74k▲
2024 · €65k
Cash flow
€64k▲
2024 · €56k
Solvency
19.4%▼
2024 · 34.6%
Current ratio
1.31▲
2024 · 0.73
Quick ratio
1.13▲
2024 · 0.60
Debt / equity
4.16▲
2024 · 1.89
ROE
35.4%▲
2024 · 19.8%
ROA
6.9%▲
2024 · 6.8%
Interest coverage
12.44▼
2024 · 12.57
Debt
€162k▲
2024 · €104k
Debt ≤ 1 year
€59k▲
2024 · €58k
Debt > 1 year
€103k▲
2024 · €47k
Income taxes
€7k▲
2024 · €6k
Staff costs
€12k▼
2024 · €33k
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€160k€201k▲
Fixed assets21/28€117k€123k▲
Tangible fixed assets22/27€114k€120k▲
Plant, machinery and equipment23€61k€91k▲
Furniture and vehicles24€40k€22k▼
Other tangible fixed assets26€13k€7k▼
Financial fixed assets28€3k€3k=
Current assets29/58€42k€78k▲
Stocks and contracts in progress3€8k€11k▲
Stocks30/36€8k€0▼
Contracts in progress37€0€11k▲
Amounts receivable within one year40/41€33k€58k▲
Trade receivables40€2k€13k▲
Other amounts receivable41€31k€45k▲
Cash at bank and in hand54/58€0€9k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€160k€201k▲
Equity10/15€55k€39k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€50k€34k▼
Amounts payable17/49€104k€162k▲
Amounts payable after more than one year17€47k€103k▲
Financial debts170/4€47k€103k▲
Amounts payable within one year42/48€58k€59k▲
Current portion of amounts payable after more than one year42€36k€33k▼
Financial debts43€4k€0▼
Credit institutions430/8€4k€0▼
Trade debts44€4k€12k▲
Suppliers440/4€4k€12k▲
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€13k€14k▲
Remuneration and social security454/9€470€680▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€33k€12k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€50k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€102k€89k▼
Operating profit (loss)9901€20k€24k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€17k€21k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€11k€14k▲
Profit (loss) for the period to be appropriated9905€11k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€64k▼
Profit (loss) brought forward from the previous period14P€69k€50k▼
Profit to be distributed694/7€30k€30k=
Return on contributions (dividend)694€30k€30k=
The notes to these accounts (14 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €1k ▼97.7%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €55k ▲196%
Operating result €65k, net result €55k, both a record.
31-12
Financial
Equity above €100kEq €103k ▲93.5%
3 profitable years in a row build equity to €103k.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
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, Zwalm · 1 establishment unit since 2020
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.
Kerkstraat(Hund) 489630 ZwalmGround area
643 m²
Building footprint
186 m²
Volume, LiDAR
567 m³
Parcel 45016A0335/00E000, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Vanobo
since 20202.302.280.647
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45016A0335/00E000 | Flanders | 643 m² | 1 · 186 m² | 8.1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,000 EUR awarded · 1,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
Schemes
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Dual-learning approval
2 live approvalsMetselaar (vwo)
Ruwbouw duaal (so)
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 12,685 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.vanobo.be
E-mail:info@vanobo.be