VB Woningen
ActiveSummary
VB Woningen has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €839k and a net result of €15k. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-29
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 7.21 against 7.03 in 2024; short-term debt: 13.7% and cash: 91.5% of total assets), and 13.7% 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 · 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
86.3%
Return on assets
1.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
12 d early
2021
5 d early
2020
2 d early
2019
61 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
€839k▲ 1.8%
2024 · €824k
2020: €132k
2021: €178k
2022: €504k
2023: €572k
2024: €824k
2020 → 2025
Total assets
€972k▲ 3.6%
2024 · €938k
2020: €392k
2021: €347k
2022: €583k
2023: €631k
2024: €938k
2020 → 2025
Net result
€15k▼ 94.2%
2024 · €252k
2020: €69k
2021: €47k
2022: €326k
2023: €68k
2024: €252k
2020 → 2025
Working capital
€827k▲ 20.5%
2024 · €687k
2020: €119k
2021: €165k
2022: €483k
2023: €553k
2024: €687k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€178k-€504k▲ 184%€572k▲ 13.6%€824k▲ 44.1%€839k▲ 1.8%
Operating result€64k-€471k▲ 633%€93k▼ 80.2%€374k▲ 301%€27k▼ 92.8%
Net result€47k-€326k▲ 599%€68k▼ 79.1%€252k▲ 269%€15k▼ 94.2%
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 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €972k
Fixed assets
€11k ▼ 91.7%
Current assets
€961k ▲ 20.0%
Equity and liabilities €972k
Equity
€839k ▲ 1.8%
Debt
€133k ▲ 17.1%
Debt's share of the balance-sheet total rises from 12.1% to 13.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €406k
Cash flow
€18k▼
2024 · €284k
Current ratio
7.21▲
2024 · 7.03
Debt to equity
0.16▲
2024 · 0.14
ROE
1.7%▼
2024 · 30.6%
ROA
1.5%▼
2024 · 26.9%
Interest coverage
12.34▼
2024 · 498.88
Debt ≤ 1 year
€133k▲
2024 · €114k
Income taxes
€14k▼
2024 · €123k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€938k€972k▲
Fixed assets21/28€138k€11k▼
Tangible fixed assets22/27€131k€5k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€123k€32▼
Financial fixed assets28€6k€6k=
Current assets29/58€800k€961k▲
Amounts receivable within one year40/41€83k€56k▼
Trade receivables40€60k€40k▼
Other amounts receivable41€23k€16k▼
Current investments50/53€700k€15k▼
Cash at bank and in hand54/58€8k€889k▲
Deferred charges and accrued income490/1€10k€0▼
Equity and liabilities
Total equity and liabilities10/49€938k€972k▲
Equity10/15€824k€839k▲
Contributions10/11€81k€81k=
Reserves13€744k€758k▲
Distributable reserves133€744k€758k▲
Amounts payable17/49€114k€133k▲
Amounts payable within one year42/48€114k€133k▲
Trade debts44€13k€12k▼
Suppliers440/4€13k€12k▼
Taxes, remuneration and social security45€79k€80k▲
Taxes450/3€79k€80k▲
Remuneration and social security454/9€316€0▼
Other amounts payable47/48€21k€41k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€4k▼
Other operating charges640/8€458€2k▲
Non-recurring operating charges66A-€28k
Gross operating margin9900€406k€60k▼
Operating profit (loss)9901€374k€27k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€814€2k▲
Recurring financial charges65€814€2k▲
Profit (loss) for the period before taxes9903€375k€28k▼
Income taxes67/77€123k€14k▼
Profit (loss) for the period9904€252k€15k▼
Profit (loss) for the period to be appropriated9905€252k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€252k€15k▼
Transfer to equity691/2€252k€15k▼
To other reserves6921€252k€15k▼
Social balance
Average headcount (FTE)9087-0.0
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €15k ▼94.2%
Net result drops to €15k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €326k ▲599%
Operating result €471k, net result €326k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 7.10
Current ratio from 1.97 to 7.10; short-term debt falls from €169k to €79k.
31-12
Financial
Equity above €500kEq €504k ▲184%
3 profitable years in a row build equity to €504k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €178k ▲34.8%
2 profitable years in a row build equity to €178k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lebbeke · 1 establishment unit since 2019
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.
Klein Gent 449280 LebbekeGround area
173 m²
Building footprint
81 m²
Volume, LiDAR
344 m³
Parcel 42005A0723/00M000, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VB woningen
since 20192.289.020.450
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42005A0723/00M000 | Flanders | 172 m² | 1 · 81 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.
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 7,158 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
Founded10-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.