Summary
Velolino is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €317k and a net result of €67k. Equity is growing by ~61.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 8023 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
1 d early
2023
32 d early
2022
31 d early
2021
48 d early
2020
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€317k▲ 26.5%
2024 · €251k
2020: €10k
2021: €60k
2022: €95k
2023: €153k
2024: €251k
2020 → 2025
Net result
€67k▼ 32.0%
2024 · €98k
2020: €4k
2021: €49k
2022: €35k
2023: €58k
2024: €98k
2020 → 2025
Total assets
€439k▲ 4.9%
2024 · €418k
2020: €320k
2021: €336k
2022: €318k
2023: €350k
2024: €418k
2020 → 2025
Solvency
72.4%▲ 12.4pp
2024 · 60.0%
2020: 3.3%
2021: 17.8%
2022: 29.9%
2023: 43.7%
2024: 60.0%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€95k▲ 59.1%€153k▲ 61.0%€251k▲ 63.9%€317k▲ 26.5%
Operating result€16k-€16k=€15k▼ 3.1%€14k▼ 11.4%€27k▲ 95.2%
Net result€49k-€35k▼ 28.4%€58k▲ 64.1%€98k▲ 68.8%€67k▼ 32.0%
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 95% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €439k
Fixed assets
€302k =
Current assets
€137k ▲ 17.5%
Equity and liabilities €439k
Equity
€317k ▲ 26.5%
Debt
€121k ▼ 27.6%
Debt's share of the balance-sheet total falls from 40.0% to 27.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
21.0%▼
2024 · 39.0%
ROA
15.2%▼
2024 · 23.4%
Debt ≤ 1 year
€37k▼
2024 · €48k
Debt > 1 year
€84k▼
2024 · €119k
Income taxes
€13k▲
2024 · €13k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€418k€439k▲
Fixed assets21/28€302k€302k=
Financial fixed assets28€302k€302k=
Current assets29/58€116k€137k▲
Amounts receivable within one year40/41€83k€118k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€80k€112k▲
Cash at bank and in hand54/58€34k€18k▼
Equity and liabilities
Total equity and liabilities10/49€418k€439k▲
Equity10/15€251k€317k▲
Contributions10/11€6k€6k=
Reserves13€245k€311k▲
Distributable reserves133€245k€311k▲
Amounts payable17/49€167k€121k▼
Amounts payable after more than one year17€119k€84k▼
Financial debts170/4€119k€84k▼
Amounts payable within one year42/48€48k€37k▼
Current portion of amounts payable after more than one year42€35k€36k▲
Trade debts44€99€103▲
Suppliers440/4€99€103▲
Taxes, remuneration and social security45€13k€1k▼
Taxes450/3€13k€1k▼
Other amounts payable47/48€350€350=
Income statement
Code20242025
Gross operating margin9900€14k€27k▲
Operating profit (loss)9901€14k€27k▲
Financial income75/76B€100k€55k▼
Recurring financial income75€100k€55k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€110k€79k▼
Income taxes67/77€13k€13k▲
Profit (loss) for the period9904€98k€67k▼
Profit (loss) for the period to be appropriated9905€98k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€98k€67k▼
Transfer to equity691/2€98k€67k▼
To other reserves6921€98k€67k▼
The notes to these accounts (4 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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2020net €98k ▲68.8%
Net result €98k, the highest in the series.
31-03
Financial
Liquidity doublescurrent ratio 2.42
Current ratio from 1.14 to 2.42.
31-03
Financial
Equity above €200kEq €251k ▲63.9%
5 profitable years in a row build equity to €251k.
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 1.14
Current ratio from 0.46 to 1.14.
31-03
Financial
Equity above €150kEq €153k ▲61%
4 profitable years in a row build equity to €153k.
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-09
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
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, Malle · 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.
Antwerpsesteenweg 3132390 MalleGround area
340 m²
Building footprint
217 m²
Volume, LiDAR
1,197 m³
Parcel 11049B0392/00D002, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Velolino
since 20192.285.366.322
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0392/00D002 | Flanders | 340 m² | 1 · 217 m² | 11.7 m · 2 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
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NATHOM
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Marfa Consult
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ASAP VDS
BE 0899.088.149
Sint-Lievens-Houtem · Eq €317,630
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,776 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
Founded13-02-2019
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
47632Retail sale of bicycles
70100Activities of head offices
70200Business and other management consultancy
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.