Vinken Luc
ActiveVinken Luc has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €9k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 50% of 7321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
89
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+44
Solvency72▲+22
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.05 in 2024), and 56.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
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
43.3%
Return on assets
6.9%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
21 d early
2022
28 d early
2021
33 d early
2020
15 d early
2019
32 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 17.0%
2024 · €49k
2018: €30k
2019: €30k
2020: €32k
2021: €42k
2022: €48k
2023: €47k
2024: €49k
2018 → 2025
Total assets
€134k▼ 16.3%
2024 · €160k
2018: €117k
2019: €117k
2020: €130k
2021: €179k
2022: €255k
2023: €161k
2024: €160k
2018 → 2025
Net result
€9k▲ 162%
2024 · €4k
2018: €10k
2019: €10k
2020: €2k
2021: €10k
2022: €5k
2023: €152
2024: €4k
2018 → 2025
Working capital
€20k▲ 266%
2024 · €5k
2018: €2k
2019: €2k
2020: €3k
2021: €19k
2022: €9k
2023: €11k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€48k▲ 12.0%€47k▼ 1.4%€49k▲ 5.7%€58k▲ 17.0%
Operating result€13k-€6k▼ 51.0%€-226€7k€15k▲ 131%
Net result€10k-€5k▼ 50.1%€152▼ 97.0%€4k▲ 2,220%€9k▲ 162%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 131% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€39k▼ 23.4%
Current assets
€95k▼ 12.9%
Equity and liabilities €134k
Equity
€58k▲ 17.0%
Debt
€76k▼ 31.2%
The debt ratio falls from 69.0% to 56.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▲
2024 · €22k
Cash flow
€28k▲
2024 · €19k
Solvency
43.3%▲
2024 · 31.0%
Current ratio
1.26▲
2024 · 1.05
Quick ratio
1.23▲
2024 · 1.04
Debt / equity
1.31▼
2024 · 2.23
ROE
16.0%▲
2024 · 7.1%
ROA
6.9%▲
2024 · 2.2%
Interest coverage
8.00▼
2024 · 34.77
Debt
€76k▼
2024 · €110k
Debt ≤ 1 year
€75k▼
2024 · €103k
Debt > 1 year
€0▼
2024 · €6k
Income taxes
€5k▲
2024 · €3k
Staff costs
€45k▲
2024 · €41k
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€160k€134k▼
Fixed assets21/28€51k€39k▼
Tangible fixed assets22/27€51k€39k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€15k€13k▼
Furniture and vehicles24€33k€23k▼
Current assets29/58€109k€95k▼
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€97k€71k▼
Trade receivables40€92k€66k▼
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€7k€17k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€160k€134k▼
Equity10/15€49k€58k▲
Contributions10/11€6k€6k=
Reserves13€43k€52k▲
Distributable reserves133€43k€52k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€110k€76k▼
Amounts payable after more than one year17€6k€0▼
Financial debts170/4€6k€0▼
Amounts payable within one year42/48€103k€75k▼
Current portion of amounts payable after more than one year42€8k€6k▼
Trade debts44€44k€18k▼
Suppliers440/4€44k€18k▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€3k€511▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€48k€49k▲
Accrued charges and deferred income492/3€343€870▲
Income statement
Code20242025
Remuneration, social security and pensions62€41k€45k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€19k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€66k€85k▲
Operating profit (loss)9901€7k€15k▲
Financial income75/76B€127€3k▲
Recurring financial income75€127€3k▲
Financial charges65/66B€630€4k▲
Recurring financial charges65€630€4k▲
Profit (loss) for the period before taxes9903€6k€14k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€4k€9k▲
Profit (loss) for the period to be appropriated9905€4k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€9k▲
Profit (loss) brought forward from the previous period14P€3k€0▼
Transfer from equity791/2€859€0▼
Transfer to equity691/2€7k€8k▲
To other reserves6921€7k€8k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (9 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €152 ▼97%
Net result drops to €152, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €10k ▲372%
Net result €10k, the highest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 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, Maasmechelen · 2 establishment units 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.
Eisdenweg(L) 1613630 MaasmechelenGround area
1,247 m²
Building footprint
323 m²
Volume, LiDAR
2,005 m³
2 parcels, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
ROBERT EN LUC VINKEN
since 20062.157.627.814
Kapelstraat 156/A, 3650 Dilsen-Stokkem
since 20162.259.958.062
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73081D0261/00A002 | Flanders | 659 m² | 1 · 161 m² | 9.5 m · 2 fl. |
| 73045A0986/00K000 | Flanders | 587 m² | 1 · 162 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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PMA CONSTRUCT
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 13,029 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2006
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43910Bricklaying and masonry work
43994Specialised construction activities
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477870168