VVS Montage
ActiveVVS Montage has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €8k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+53
Solvency92▼-8
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 4.16 in 2024; short-term debt: 32.6% and cash: 0.4% of total assets), and 32.6% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
67.4%
Return on assets
6.3%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-02-2026, 24 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
24 d late
2024
4 d early
2023
7 d early
2022
on the day
2021
on the day
2020
747 d late
2016
on the day
← 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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€82k▲ 9.2%
2024 · €75k
2020: €29k
2021: €45k
2022: €55k
2023: €75k
2024: €75k
2020 → 2025
Total assets
€122k▲ 24.8%
2024 · €98k
2020: €53k
2021: €72k
2022: €81k
2023: €100k
2024: €98k
2020 → 2025
Net result
€8k▲ 1,322%
2024 · €543
2020: €19k
2021: €24k
2022: €11k
2023: €27k
2024: €543
2020 → 2025
Working capital
€77k▲ 8.6%
2024 · €71k
2020: €26k
2021: €37k
2022: €49k
2023: €69k
2024: €71k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€55k▲ 22.9%€75k▲ 36.3%€75k▲ 0.7%€82k▲ 9.2%
Operating result€28k-€15k▼ 46.8%€32k▲ 120%€-10€7k
Net result€24k-€11k▼ 54.7%€27k▲ 143%€543▼ 98.0%€8k▲ 1,322%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €10 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€5k▲ 19.4%
Current assets
€117k▲ 25.1%
Equity and liabilities €122k
Equity
€82k▲ 9.2%
Debt
€40k▲ 77.3%
The debt ratio rises from 23.0% to 32.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▲
2024 · €889
Cash flow
€8k▲
2024 · €1k
Solvency
67.4%▼
2024 · 77.0%
Current ratio
2.93▼
2024 · 4.16
Quick ratio
2.57▼
2024 · 4.16
Debt / equity
0.48▲
2024 · 0.30
ROE
9.4%▲
2024 · 0.7%
ROA
6.3%▲
2024 · 0.6%
Interest coverage
7.50▲
2024 · 0.55
Debt
€40k▲
2024 · €22k
Debt ≤ 1 year
€40k▲
2024 · €22k
Income taxes
€5k▲
2024 · €2k
Staff costs
€2k▲
2024 · €2k
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€98k€122k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Land and buildings22€4k€4k▼
Furniture and vehicles24-€1k
Current assets29/58€93k€117k▲
Stocks and contracts in progress3-€15k
Stocks30/36-€4k
Contracts in progress37-€11k
Amounts receivable within one year40/41€87k€94k▲
Trade receivables40€14k€10k▼
Other amounts receivable41€73k€84k▲
Cash at bank and in hand54/58€77€491▲
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€98k€122k▲
Equity10/15€75k€82k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€69k€76k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€67k€74k▲
Amounts payable17/49€22k€40k▲
Amounts payable within one year42/48€22k€40k▲
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€12k€28k▲
Suppliers440/4€12k€28k▲
Taxes, remuneration and social security45€4k€11k▲
Taxes450/3€4k€11k▲
Other amounts payable47/48€1k€560▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€898€690▼
Other operating charges640/8€1k€825▼
Gross operating margin9900€4k€10k▲
Operating profit (loss)9901€-10€7k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€2k€992▼
Recurring financial charges65€2k€992▼
Profit (loss) for the period before taxes9903€2k€12k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€543€8k▲
Profit (loss) for the period to be appropriated9905€543€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€543€8k▲
Transfer to equity691/2€543€7k▲
To other reserves6921€543€7k▲
Profit to be distributed694/7-€800
Return on contributions (dividend)694-€800
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
2026
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €543 ▼98%
Net result drops to €543, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2020net €27k ▲143%
Operating result €32k, net result €27k, both a record.
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 747 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
25-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2014
08-12
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
14-02
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 14 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, Berlaar · 2 establishment units since 2009
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.
Liersesteenweg 3082590 BerlaarGround area
2,367 m²
Building footprint
445 m²
Volume, LiDAR
3,240 m³
2 parcels, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
VVS - Keukens
since 20092.178.217.944
VVS - Keukens
since 20262.384.213.577
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002A0031/00R000 | Flanders | 1,452 m² | 1 · 212 m² | 9.0 m · 2 fl. |
| 12018B0236/00R000 | Flanders | 915 m² | 1 · 233 m² | 11.3 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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DYNAMIC MEN GRUP
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Of 20,033 companies in sector 43320 we hold annual accounts for 9,135. 7,683 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2009
Fiscal year end30-06
Activities, NACEBEL
43320Joinery installation
16230Manufacture of other builders' carpentry and joinery
43341Painting of buildings
47527Retail trade
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.