VELOSHOP
ActiveThe annual accounts of VELOSHOP for fiscal year 2025 show a net loss of 61% of the equity at the start of that year. The 2025 annual accounts show equity of €158k and a net result of €-246k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 40% of 10359 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-35
Solvency54▼-20
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.4 against 1.97 in 2024; short-term debt: 71.3% and cash: 2.7% of total assets), and 71.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.7%
Return on assets
-44.7%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-03-2026, 38 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
38 d late
2024
51 d early
2023
49 d early
2022
55 d early
2021
48 d early
2020
48 d early
2019
50 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€158k▼ 60.9%
2024 · €404k
2019: €298k
2020: €347k
2021: €393k
2022: €403k
2023: €399k
2024: €404k
2019 → 2025
Total assets
€550k▼ 32.7%
2024 · €817k
2019: €561k
2020: €647k
2021: €638k
2022: €616k
2023: €745k
2024: €817k
2019 → 2025
Net result
€-246k
2024 · €4k
2019: €30k
2020: €49k
2021: €46k
2022: €10k
2023: €-4k
2024: €4k
2019 → 2025
Working capital
€155k▼ 61.1%
2024 · €399k
2019: €298k
2020: €358k
2021: €394k
2022: €398k
2023: €393k
2024: €399k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€393k-€403k▲ 2.5%€399k▼ 0.9%€404k▲ 1.0%€158k▼ 60.9%
Operating result€68k-€21k▼ 68.8%€5k▼ 75.0%€15k▲ 193%€-236k
Net result€46k-€10k▼ 78.7%€-4k€4k€-246k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €236k after €15k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €550k
Fixed assets
€2k▼ 46.0%
Current assets
€547k▼ 32.7%
Equity and liabilities €550k
Equity
€158k▼ 60.9%
Debt
€392k▼ 5.2%
The debt ratio rises from 50.6% to 71.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-234k▼
2024 · €17k
Cash flow
€-244k▼
2024 · €6k
Solvency
28.7%▼
2024 · 49.4%
Current ratio
1.40▼
2024 · 1.97
Quick ratio
0.81▼
2024 · 0.83
Debt / equity
2.49▲
2024 · 1.03
ROE
-156.0%▼
2024 · 1.0%
ROA
-44.7%▼
2024 · 0.5%
Interest coverage
-27.25▼
2024 · 1.90
Debt
€392k▼
2024 · €414k
Debt ≤ 1 year
€392k▼
2024 · €414k
Income taxes
€1k▼
2024 · €2k
Staff costs
€121k▲
2024 · €115k
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€817k€550k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€813k€547k▼
Stocks and contracts in progress3€469k€229k▼
Stocks30/36€469k€229k▼
Amounts receivable within one year40/41€311k€303k▼
Trade receivables40€65k€20k▼
Other amounts receivable41€247k€283k▲
Cash at bank and in hand54/58€11k€15k▲
Deferred charges and accrued income490/1€22k€0▼
Equity and liabilities
Total equity and liabilities10/49€817k€550k▼
Equity10/15€404k€158k▼
Contributions10/11€6k€6k=
Reserves13€145k€145k=
Distributable reserves133€145k€145k=
Profit (loss) carried forward14€253k€7k▼
Amounts payable17/49€414k€392k▼
Amounts payable within one year42/48€414k€392k▼
Financial debts43€58k€65k▲
Credit institutions430/8€58k€65k▲
Trade debts44€153k€157k▲
Suppliers440/4€153k€157k▲
Taxes, remuneration and social security45€28k€22k▼
Taxes450/3€28k€21k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€174k€148k▼
Income statement
Code20242025
Non-recurring operating income76A-€158
Remuneration, social security and pensions62€115k€121k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€150€4k▲
Gross operating margin9900€133k€-109k▼
Operating profit (loss)9901€15k€-236k▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€6k€-245k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€4k€-246k▼
Profit (loss) for the period to be appropriated9905€4k€-246k▼
Appropriation of the result
Profit (loss) to be appropriated9906€253k€7k▼
Profit (loss) brought forward from the previous period14P€248k€253k▲
Social balance
Average headcount (FTE)90872.32.0▼
The notes to these accounts (8 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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 38 days late
2025
30-06
Financial
Weakest financial yearnet €-246k ▼5964%
Net result drops to €-246k, the lowest in the series.
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Highest result since 2019net €49k ▲64.2%
Net result €49k, the highest in the series.
2019
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
06-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
05-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herentals · 1 establishment unit since 2006
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.
Noordervaart(HRT) 412200 HerentalsGround area
2,418 m²
Building footprint
539 m²
Volume, LiDAR
2,903 m³
Parcel 13302C0368/00E000, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VELOSHOP
since 20062.156.711.361
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302C0368/00E000 | Flanders | 2,418 m² | 1 · 539 m² | 6.0 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.
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Of 1,467 companies in sector 47632 we hold annual accounts for 733. 645 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2006
Fiscal year end30-06
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
50400Inland freight water transport
52492
45402
47830Retail sale of motorcycles and motorcycle parts and accessories
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.