VeHa-bouw
ActiveSummary
VeHa-bouw has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €189k and a net result of €20k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
79
/ 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
Profitability77▲+3
Solvency89▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.3 against 2.4 in 2024; short-term debt: 35.8% and cash: 49.9% of total assets), and 35.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 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
64.2%
Return on assets
6.6%
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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
7 d late
2023
5 d early
2022
5 d early
2021
23 d late
2020
30 d late
2019
34 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, micro schema
Equity
€189k▲ 11.5%
2024 · €170k
2018: €38k
2019: €48k
2020: €72k
2021: €106k
2022: €137k
2023: €158k
2024: €170k
2018 → 2025
Total assets
€295k▲ 15.7%
2024 · €255k
2018: €85k
2019: €109k
2020: €157k
2021: €198k
2022: €266k
2023: €233k
2024: €255k
2018 → 2025
Net result
€20k▲ 71.5%
2024 · €11k
2018: €26k
2019: €9k
2020: €25k
2021: €34k
2022: €31k
2023: €22k
2024: €11k
2018 → 2025
Working capital
€138k▲ 15.0%
2024 · €120k
2018: €2k
2019: €10k
2020: €36k
2021: €53k
2022: €53k
2023: €94k
2024: €120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€137k▲ 29.1%€158k▲ 15.8%€170k▲ 7.2%€189k▲ 11.5%
Operating result€40k-€37k▼ 8.9%€27k▼ 26.0%€16k▼ 41.7%€27k▲ 69.7%
Net result€34k-€31k▼ 8.4%€22k▼ 29.9%€11k▼ 47.2%€20k▲ 71.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 70% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295k
Fixed assets
€52k ▲ 3.1%
Current assets
€243k ▲ 18.8%
Equity and liabilities €295k
Equity
€189k ▲ 11.5%
Debt
€106k ▲ 24.0%
Debt's share of the balance-sheet total rises from 33.4% to 35.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▲
2024 · €36k
Cash flow
€42k▲
2024 · €31k
Current ratio
2.30▼
2024 · 2.40
Quick ratio
1.96▼
2024 · 2.18
Debt to equity
0.56▲
2024 · 0.50
ROE
10.3%▲
2024 · 6.7%
ROA
6.6%▲
2024 · 4.5%
Interest coverage
88.69▼
2024 · 322.43
Debt ≤ 1 year
€106k▲
2024 · €85k
Income taxes
€7k▲
2024 · €4k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€255k€295k▲
Fixed assets21/28€50k€52k▲
Tangible fixed assets22/27€50k€52k▲
Plant, machinery and equipment23€15k€30k▲
Furniture and vehicles24€32k€19k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€205k€243k▲
Stocks and contracts in progress3€19k€36k▲
Stocks30/36€19k€15k▼
Contracts in progress37€0€20k▲
Amounts receivable within one year40/41€64k€59k▼
Trade receivables40€46k€52k▲
Other amounts receivable41€17k€8k▼
Cash at bank and in hand54/58€120k€147k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€255k€295k▲
Equity10/15€170k€189k▲
Contributions10/11€12k€12k=
Reserves13€157k€177k▲
Distributable reserves133€157k€177k▲
Amounts payable17/49€85k€106k▲
Amounts payable within one year42/48€85k€106k▲
Trade debts44€3k€23k▲
Suppliers440/4€3k€23k▲
Taxes, remuneration and social security45€598€1k▲
Taxes450/3€598€1k▲
Other amounts payable47/48€81k€82k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€22k▲
Other operating charges640/8€692€710▲
Gross operating margin9900€36k€49k▲
Operating profit (loss)9901€16k€27k▲
Financial income75/76B-€62
Recurring financial income75-€62
Financial charges65/66B€110€550▲
Recurring financial charges65€110€550▲
Profit (loss) for the period before taxes9903€16k€26k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€11k€20k▲
Profit (loss) for the period to be appropriated9905€11k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€20k▲
Transfer to equity691/2€11k€20k▲
To other reserves6921€11k€20k▲
The notes to these accounts (5 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 · micro schema · 31 days late
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €158k ▲15.8%
6 profitable years in a row build equity to €158k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Highest result since 2018net €34k ▲36.8%
Operating result €40k, net result €34k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲46.5%
4 profitable years in a row build equity to €106k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
31-12
Financial
Weakest financial yearnet €9k ▼64.2%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 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, Evergem · 1 establishment unit since 2017
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.
Meerbeke 469940 EvergemGround area
2,339 m²
Building footprint
149 m²
Volume, LiDAR
507 m³
Parcel 44302D0136/00C000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Meerbeke 46, 9940 Evergem
since 20172.264.405.810
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302D0136/00C000 | Flanders | 2,338 m² | 1 · 149 m² | 8.7 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.
Similar companies · same sector, comparable size
A. JOOKEN & ZONEN
BE 0441.692.171
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T & K Woningbouw
BE 0829.692.270
Oudsbergen · Eq €189,298
BUILDING GAB
BE 0759.874.739
Vilvoorde · Eq €189,237
TROBA GROUP
BE 0450.922.811
Aarschot · Eq €189,212
Feniks74
BE 0805.635.577
Zemst · Eq €189,353
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,211 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
Founded18-05-2017
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.