VANOVERBEKE
ActiveSummary
VANOVERBEKE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €849k and a net result of €169k. Equity is growing by ~26.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-8
Solvency99▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 15.83 against 13.95 in 2024; short-term debt: 6% and cash: 46.9% of total assets), and 26.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
73.5%
Return on assets
14.7%
Age of the figures
9 mo
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
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 11-05-2026, 81 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
81 d early
2024
84 d early
2023
35 d early
2022
29 d late
2021
31 d late
2020
87 d late
2019
49 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€849k▲ 24.9%
2024 · €680k
2018: €166k
2019: €184k
2020: €222k
2021: €266k
2022: €330k
2023: €476k
2024: €680k
2018 → 2025
Total assets
€1.16M▲ 17.9%
2024 · €980k
2018: €390k
2019: €375k
2020: €383k
2021: €397k
2022: €514k
2023: €744k
2024: €980k
2018 → 2025
Net result
€169k▼ 16.9%
2024 · €204k
2018: €437
2019: €18k
2020: €38k
2021: €50k
2022: €67k
2023: €146k
2024: €204k
2018 → 2025
Working capital
€1.03M▲ 18.6%
2024 · €869k
2018: €324k
2019: €306k
2020: €315k
2021: €323k
2022: €437k
2023: €681k
2024: €869k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€266k-€330k▲ 24.2%€476k▲ 44.3%€680k▲ 42.8%€849k▲ 24.9%
Operating result€72k-€104k▲ 43.5%€221k▲ 113%€306k▲ 38.6%€259k▼ 15.5%
Net result€50k-€67k▲ 35.0%€146k▲ 117%€204k▲ 39.4%€169k▼ 16.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€55k ▲ 25.7%
Current assets
€1.10M ▲ 17.6%
Equity and liabilities €1.16M
Equity
€849k ▲ 24.9%
Debt
€306k ▲ 2.1%
Debt's share of the balance-sheet total falls from 30.6% to 26.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€270k▼
2024 · €314k
Cash flow
€180k▼
2024 · €212k
Current ratio
15.83▲
2024 · 13.95
Quick ratio
8.81▲
2024 · 5.76
Debt to equity
0.36▼
2024 · 0.44
ROE
19.9%▼
2024 · 30.0%
ROA
14.7%▼
2024 · 20.8%
Interest coverage
15.93▼
2024 · 21.67
Debt ≤ 1 year
€70k▲
2024 · €67k
Debt > 1 year
€220k▼
2024 · €233k
Income taxes
€72k▼
2024 · €88k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€980k€1.16M▲
Fixed assets21/28€44k€55k▲
Tangible fixed assets22/27€44k€55k▲
Plant, machinery and equipment23€18k€28k▲
Furniture and vehicles24€26k€27k▲
Financial fixed assets28€135€135=
Current assets29/58€936k€1.10M▲
Stocks and contracts in progress3€550k€488k▼
Stocks30/36€550k€488k▼
Amounts receivable within one year40/41€91k€68k▼
Trade receivables40€32k€47k▲
Other amounts receivable41€59k€21k▼
Cash at bank and in hand54/58€290k€542k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€980k€1.16M▲
Equity10/15€680k€849k▲
Contributions10/11€20k€20k=
Reserves13€660k€829k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€660k€829k▲
Amounts payable17/49€300k€306k▲
Amounts payable after more than one year17€233k€220k▼
Other amounts payable178/9€233k€220k▼
Amounts payable within one year42/48€67k€70k▲
Trade debts44€8k€33k▲
Suppliers440/4€8k€33k▲
Advances received on contracts in progress46€36k€24k▼
Taxes, remuneration and social security45€16k€5k▼
Taxes450/3€12k€2k▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€7k€8k▲
Accrued charges and deferred income492/3-€17k
Income statement
Code20242025
Non-recurring operating income76A€8k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€318k€273k▼
Operating profit (loss)9901€306k€259k▼
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€15k€17k▲
Recurring financial charges65€15k€17k▲
Profit (loss) for the period before taxes9903€292k€242k▼
Income taxes67/77€88k€72k▼
Profit (loss) for the period9904€204k€169k▼
Profit (loss) for the period to be appropriated9905€204k€169k▼
Appropriation of the result
Profit (loss) to be appropriated9906€204k€169k▼
Transfer to equity691/2€204k€169k▼
To other reserves6921€204k€169k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €204k ▲39.4%
Operating result €306k, net result €204k, both a record.
31-12
Financial
Equity above €500kEq €680k ▲42.8%
7 profitable years in a row build equity to €680k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 30.11
Current ratio from 9.09 to 30.11; short-term debt falls from €54k to €23k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Equity above €200kEq €222k ▲20.6%
3 profitable years in a row build equity to €222k.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Koksijde · 1 establishment unit since 2012
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.
Nieuwpoortsteenweg(Odk) 468670 KoksijdeGround area
2,936 m²
Building footprint
151 m²
Volume, LiDAR
699 m³
Parcel 38502D0003/00N000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VANOVERBEKE
since 20122.205.901.051
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502D0003/00N000 | Flanders | 2,936 m² | 1 · 151 m² | 7.4 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
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Similar companies · same sector, comparable size
M. Gent
BE 0434.300.177
Gent · Eq €849,390
GOVAERTS WAANRODE
BE 0436.632.434
Kortenaken · Eq €849,404
DYNAMIC CARS
BE 0534.684.685
Essen · Eq €849,202
DEWILDE MOTOR & C°
BE 0415.619.066
Anderlecht · Eq €850,082
TRUCK EN AUTO CENTER
BE 0449.451.082
Grobbendonk · Eq €850,093
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,086 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.