V. & L. Finance
0828.358.521 · rovalta.com · 24/09/2026
NORMAL SITUATION
V. & L. Finance
Financial year 2025 · closed on 30/09/2025
Net result
-4,4 k €
-103.3% YoY
Gross margin
26,7 k €
-14.7% YoY
Equity
141,2 k €
-31.6% YoY
Company — Normal situation.
Overview
What does V. & L. Finance do?
V. & L. Finance is a company registered in Belgium.
Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0828.358.521
Legal form
Private limited company
Contributed capital
200,00 €
Latest accounts
30/09/2025
Joint committees (1)
- 336000
Signals
Solid equityPositive EBITDA
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Financials
Trend over 14 financial years
| 2025 | 2024 | 2023 | 2022 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||||||||||||||||||||
| Gross margin | 26,7 k € | -14.7% | 31,3 k € | -94.3% | 548,7 k € | +3543% | 15,1 k € | -71.0% | 51,9 k € | +18.2% | 43,9 k € | +4.4% | 42 k € | -57.4% | 98,7 k € | +24.6% | 79,2 k € | +17.8% | 67,3 k € | +23.1% | 54,6 k € | -20.5% | 68,7 k € | -13.1% | 79,1 k € | +121% | 35,8 k € |
| EBITDA | 20,4 k € | -34.5% | 31,1 k € | -94.3% | 548,7 k € | +20958% | -2,6 k € | -122% | 12,2 k € | -21.1% | 15,5 k € | +53.2% | 10,1 k € | -85.1% | 67,9 k € | +18.3% | 57,4 k € | -14.5% | 67,1 k € | +23.5% | 54,3 k € | -20.8% | 68,6 k € | -12.7% | 78,5 k € | +128% | 34,4 k € |
| Operating result | 20,4 k € | -25.7% | 27,5 k € | -95.0% | 547,7 k € | +16181% | -3,4 k € | -136% | 9,4 k € | -31.5% | 13,7 k € | +65.0% | 8,3 k € | -87.8% | 67,9 k € | +18.3% | 57,4 k € | -5.9% | 61 k € | +30.5% | 46,8 k € | -21.4% | 59,5 k € | -0.1% | 59,6 k € | +113% | 28 k € |
| Net result | -4,4 k € | -103% | 131,1 k € | -76.3% | 552,7 k € | +20318774% | -2,7 € | -100% | 6,6 k € | -15.2% | 7,7 k € | +43.6% | 5,4 k € | -89.1% | 49,4 k € | +49.4% | 33,1 k € | -7.3% | 35,6 k € | -3.6% | 37 k € | +28.7% | 28,7 k € | +9.4% | 26,2 k € | -57.7% | 62,1 k € |
| Balance sheet | |||||||||||||||||||||||||||
| Equity | 141,2 k € | -31.6% | 206,6 k € | -69.1% | 667,8 k € | +306% | 164,5 k € | -37.7% | 264 k € | +2.2% | 258,2 k € | +2.8% | 251,2 k € | -22.5% | 324,1 k € | +17.7% | 275,3 k € | +13.6% | 242,2 k € | +17.3% | 206,6 k € | +21.8% | 169,6 k € | +79.5% | 94,5 k € | +38.5% | 68,3 k € |
| Total assets | 152,8 k € | -44.8% | 277,1 k € | -59.4% | 682,5 k € | +314% | 164,9 k € | -46.7% | 309,1 k € | -5.0% | 325,5 k € | -4.0% | 339,2 k € | -25.1% | 452,7 k € | +1.5% | 445,9 k € | -1.9% | 454,4 k € | -10.0% | 504,7 k € | -5.4% | 533,5 k € | +5.2% | 507 k € | +3.8% | 488,5 k € |
| Cash | 148,4 € | -98.1% | 7,7 k € | +11484% | 66,1 € | -81.9% | 364,5 € | -98.2% | 20,6 k € | +6584% | 308,6 € | -71.0% | 1,1 k € | -83.8% | 6,6 k € | -33.6% | 9,9 k € | -3.7% | 10,3 k € | -91.9% | 126,1 k € | +185% | 44,3 k € | +365% | 9,5 k € | -15.1% | 11,2 k € |
| Debts | 11,6 k € | -83.5% | 70,5 k € | +405% | 14 k € | +3812% | 356,9 € | -99.2% | 45,2 k € | -27.6% | 62,4 k € | -29.1% | 88 k € | -31.6% | 128,6 k € | -24.6% | 170,6 k € | -19.6% | 212,2 k € | -28.8% | 298,2 k € | -18.1% | 363,9 k € | -11.8% | 412,5 k € | -1.8% | 420,3 k € |
| Other | |||||||||||||||||||||||||||
| Workforce | – | – | – | – | – | – | – | 1,0 ETP | -23.1% | 1,3 ETP | – | – | – | – | – | ||||||||||||
Governance
Board of directors
Seen on filing of 30/09/2025 · 1 active · 5 ended
Active mandates
Vincent MAGERMANS
ActiveEnded mandates
Vincent MAGERMANS
EndedVincent Fernand G Magermans
EndedVincent MAGERMANS
EndedVincent MAGERMANS
EndedFinancials
Annual accounts
Full financial information
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Micro model | Micro model | Micro model | Micro model | Micro model | Micro model |
| Start of the financial year | 01/10/2024 | 01/10/2023 | 01/10/2022 | 01/01/2022 | 01/01/2021 | 01/01/2020 |
| Closing of the financial year | 30/09/2025 | 30/09/2024 | 30/09/2023 | 30/09/2022 | 31/12/2021 | 31/12/2020 |
| Length of the financial year | 12 months | 12 months | 12 months | 9 months | 12 months | 12 months |
| Filing date | 03/12/2025 | 23/04/2025 | 02/04/2024 | 01/03/2023 | 07/02/2022 | 08/01/2021 |
| General meeting | 03/12/2025 | 25/03/2025 | 12/03/2024 | 01/03/2023 | 31/01/2022 | 08/01/2021 |
| Currency of the financial year | EUR | EUR | EUR | EUR | EUR | EUR |
| NBB quality label | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls |
Ratios
Financial ratios
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Annual accounts filings
15 filings with the NBB
| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Micro model | 30/09/2025 | 03/12/2025 | 03/12/2025 | French | |
| Micro model | 30/09/2024 | 25/03/2025 | 23/04/2025 | French | |
| Micro model | 30/09/2023 | 12/03/2024 | 02/04/2024 | French | |
| Micro model | 30/09/2022 | 01/03/2023 | 01/03/2023 | French | |
| Micro model | 31/12/2021 | 31/01/2022 | 07/02/2022 | French | |
| Micro model | 31/12/2020 | 08/01/2021 | 08/01/2021 | French | |
| Micro model | 31/12/2019 | 08/02/2020 | 08/02/2020 | French | |
| Micro model | 31/12/2018 | 16/02/2019 | 22/02/2019 | French | |
| Abridged model | 31/12/2017 | 17/02/2018 | 17/02/2018 | French | |
| Abridged model | 31/12/2016 | 21/02/2017 | 21/02/2017 | French | |
| Abridged model | 31/12/2015 | 09/01/2016 | 09/01/2016 | French | |
| Abridged model | 31/12/2014 | 12/01/2015 | 12/01/2015 | French | |
| Abridged model | 31/12/2013 | 03/02/2014 | 03/02/2014 | French | |
| Abridged model | 31/12/2012 | 12/03/2013 | 13/03/2013 | French | |
| Abridged model | 31/12/2011 | 18/01/2012 | 23/01/2012 | French |
Valuation
Estimate
Indicative valuation
The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Governance
Board of directors
Seen on filing of 30/09/2025 · 1 active · 5 ended
Active mandates
Vincent MAGERMANS
ActiveEnded mandates
Vincent MAGERMANS
EndedVincent Fernand G Magermans
EndedVincent MAGERMANS
EndedVincent MAGERMANS
EndedShareholders
Ownership and network
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Try for 7 daysPublications
Belgian Official Gazette
Belgian Official Gazette publications
- Dissolution03/02/2026RUBRIQUE FIN (CESSATION, ANNULATION CESSATION, NULLITE, CONC, REORGANISATION JUDICIAIRE, ETC...) - DEMISSIONS, NOMINATIONS
- Mandates05/10/2022STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - OBJET - DEMISSIONS, NOMINATIONS - ANNEE COMPTABLE
- Mandates22/06/2022DEMISSIONS, NOMINATIONS
- Capital / shares21/12/2018CAPITAL, ACTIONS
- Registered office04/01/2017SIEGE SOCIAL
- Mandates29/01/2016DEMISSIONS, NOMINATIONS
Source: Belgian Official Gazette
Similar companies
Competition
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 2025-4,4 k €↓
- 2024Annual accounts 2024131,1 k €↓
- 2023Annual accounts 2023552,7 k €↑
- 2022Annual accounts 2022-2,7 €↓
- 2020Annual accounts 20206,6 k €↓
- 2019Annual accounts 20197,7 k €↑
- 2018Annual accounts 20185,4 k €↓
- 2017Annual accounts 201749,4 k €↑
- 2016Annual accounts 201633,1 k €↓
- 2015Annual accounts 201535,6 k €↓
- 2014Annual accounts 201437 k €↑
- 2013Annual accounts 201328,7 k €↑
- 2012Annual accounts 201226,2 k €↓
- 2011Annual accounts 201162,1 k €