VANOVERVELT
ActiveVANOVERVELT has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €79k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 76% of 2176 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+49
Solvency89=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 3.7 against 9.2 in 2024; short-term debt: 25.8% and cash: 48% of total assets), and 36% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 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
64%
Return on assets
32.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €153k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
27 d late
2023
29 d late
2022
5 d early
2021
24 d late
2020
16 d early
2019
7 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€153k▲ 105%
2024 · €75k
2018: €118k
2019: €119k
2020: €122k
2021: €75k
2022: €75k
2023: €77k
2024: €75k
2018 → 2025
Total assets
€240k▲ 106%
2024 · €116k
2018: €325k
2019: €195k
2020: €177k
2021: €114k
2022: €118k
2023: €135k
2024: €116k
2018 → 2025
Net result
€79k
2024 · €-2k
2018: €-43k
2019: €1k
2020: €3k
2021: €-47k
2022: €166
2023: €2k
2024: €-2k
2018 → 2025
Working capital
€167k▲ 86.0%
2024 · €90k
2018: €132k
2019: €128k
2020: €133k
2021: €95k
2022: €104k
2023: €95k
2024: €90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€75k▲ 0.2%€77k▲ 2.8%€75k▼ 2.8%€153k▲ 105%
Operating result€-47k-€962€-335€-1k▼ 201%€80k
Net result€-47k-€166€2k▲ 1,152%€-2k€79k
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 returns to profit in 2025: €80k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€11k▼ 29.8%
Current assets
€229k▲ 127%
Equity and liabilities €240k
Equity
€153k▲ 105%
Debt
€86k▲ 109%
The debt ratio rises from 35.5% to 36.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€84k▲
2024 · €4k
Cash flow
€83k▲
2024 · €3k
Solvency
64.0%▼
2024 · 64.5%
Current ratio
3.70▼
2024 · 9.20
Quick ratio
2.95▼
2024 · 4.62
Debt / equity
0.56▲
2024 · 0.55
ROE
51.2%▲
2024 · -2.9%
ROA
32.8%▲
2024 · -1.8%
Interest coverage
88.60▲
2024 · 4.15
Debt
€86k▲
2024 · €41k
Debt ≤ 1 year
€62k▲
2024 · €11k
Debt > 1 year
€24k▼
2024 · €30k
Income taxes
€550▲
2024 · €520
Staff costs
€103k▼
2024 · €111k
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€116k€240k▲
Fixed assets21/28€15k€11k▼
Tangible fixed assets22/27€15k€11k▼
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€2k€794▼
Furniture and vehicles24€11k€8k▼
Financial fixed assets28€135€135=
Current assets29/58€101k€229k▲
Stocks and contracts in progress3€50k€46k▼
Stocks30/36€30k€26k▼
Contracts in progress37€20k€20k=
Amounts receivable within one year40/41€25k€67k▲
Trade receivables40€25k€62k▲
Other amounts receivable41€0€5k▲
Cash at bank and in hand54/58€25k€115k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€116k€240k▲
Equity10/15€75k€153k▲
Contributions10/11€74k€74k=
Capital10€74k€74k=
Issued capital100€74k€74k=
Reserves13€48k€79k▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€34k€66k▲
Profit (loss) carried forward14€-47k€0▲
Amounts payable17/49€41k€86k▲
Amounts payable after more than one year17€30k€24k▼
Financial debts170/4€3k€0▼
Other amounts payable178/9€27k€24k▼
Amounts payable within one year42/48€11k€62k▲
Current portion of amounts payable after more than one year42€5k€3k▼
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Advances received on contracts in progress46-€48k
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€786€657▼
Remuneration and social security454/9€2k€3k▲
Accrued charges and deferred income492/3€375€375=
Income statement
Code20242025
Non-recurring operating income76A€0€37k▲
Remuneration, social security and pensions62€111k€103k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€116k€190k▲
Operating profit (loss)9901€-1k€80k▲
Financial income75/76B€293€468▲
Recurring financial income75€293€468▲
Financial charges65/66B€897€950▲
Recurring financial charges65€897€950▲
Profit (loss) for the period before taxes9903€-2k€79k▲
Income taxes67/77€520€550▲
Profit (loss) for the period9904€-2k€79k▲
Profit (loss) for the period to be appropriated9905€-2k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€31k▲
Profit (loss) brought forward from the previous period14P€-45k€-47k▼
Transfer to equity691/2-€31k
To the legal reserve6920-€31k
The notes to these accounts (13 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Back to profitnet €79k
Net result €79k after one loss-making year.
31-12
Financial
Equity above €150kEq €153k ▲105%
Equity rises from €75k to €153k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €166
Net result €166 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €-47k ▼1509%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 23.27
Current ratio from 8.02 to 23.27; short-term debt falls from €19k to €4k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 6.08
Current ratio from 1.99 to 6.08; short-term debt falls from €133k to €25k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Anzegem · 1 establishment unit since 1988
Ground area
2,952 m²
Building footprint
285 m²
Volume, LiDAR
1,268 m³
Parcel 34019B0098/00L000, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Varentstraat 36, 8572 Anzegem
since 19882.032.517.016
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34019B0098/00L000 | Flanders | 2,952 m² | 1 · 285 m² | 8.0 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 189 EUR awarded · 142 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 95 EUR | 48 EUR |
| 2024 | 1 | 94 EUR | 94 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,599 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-12-1987
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
45211
45213
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.