Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 8.1 to 6.
Financials
Financial year 2026
ZANDBEDRIJF VELBO from Lommel, company number BE0428625776, closed financial year 2026 with a result of € 175,558 after tax. For that financial year ZANDBEDRIJF VELBO recorded a gross margin of € 944,599 and equity of € 3.8 million. Compared with financial year 2025, the result moved from € 175,257 to € 175,558. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 20, 2026.
€ 3.8 million
▲ 5% vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 175,558
Profit after tax over the fiscal year.
€ 446,546
▼ 17% vs 2025
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2026. Retained profit grew to € 1.5 million.
People and assets in 2026
6
▼ 0.9 vs 2025
Average over the fiscal year, from the social balance sheet.
€ 448,662
▼ 12% vs 2025
€ 74,800 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 91,623
▲ 31% vs 2025
Book value of vehicles, furniture and equipment.
Debts at end 2026
€ 173,485
▼ 12% vs 2025
€ 24,220 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 580,269
▲ 37% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 77,052
▼ 42% vs 2025
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 740,651 | € 899,325 | € 973,952 | € 944,599 | ▼ 3% |
| Profit after taxes | € -74,835 | € 53,789 | € 175,257 | € 175,558 | |
| Equity | € 3,417,639 | € 3,471,427 | € 3,646,684 | € 3,822,242 | ▲ 5% |
| Total debts | € 1,125,550 | € 878,312 | € 807,240 | € 883,393 | ▲ 9% |
| Cash | € 356,553 | € 437,524 | € 537,330 | € 446,546 | ▼ 17% |
| Land & buildings | € 2,304,848 | € 2,224,562 | € 2,149,207 | € 2,052,151 | ▼ 5% |
| Retained profit | € 1,105,639 | € 1,159,427 | € 1,334,684 | € 1,510,242 | ▲ 13% |
| Bank debt | € 242,605 | € 220,155 | € 197,115 | € 173,485 | ▼ 12% |
| Balance sheet total | € 4,543,189 | € 4,349,739 | € 4,453,924 | € 4,705,635 | ▲ 6% |
| Employees (FTE) | 7.9 | 8.1 | 6.9 | 6 | ▼ 0.9 |
Key figures of ZANDBEDRIJF VELBO, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
What happened to ZANDBEDRIJF VELBO?
What happened at ZANDBEDRIJF VELBO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: profit of € 175,558. Source: NBB ↗
- Jacobus Vanvelthoven became a director. NBB
- Bengt Vanvelthoven became a director. NBB
- Lydia Deckers became a director. NBB
- Arne Vanvelthoven became a director. NBB
- New establishment in Lommel. KBO
- Start of the company according to the CBE. KBO
In short
From € 74,835 loss in 2023 to € 175,558 profit in 2026.
Paid € 101,852 in corporate taxes since 2023.
Best year ever: 2026, with € 175,558 profit.
On average € 157,400 of value added per employee in 2026.
A new publication or filing at ZANDBEDRIJF VELBO? We notify you, reason included.
Follow ZANDBEDRIJF VELBODatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of BOVEL comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ZANDBEDRIJF VELBOBehind ZANDBEDRIJF VELBO are Jacobus Vanvelthoven, Bengt Vanvelthoven, Lydia Deckers and Arne Vanvelthoven. The shares are held by BOVEL (50%).
Directors
According to the 2026 annual accounts
since 2014
Bengt Vanvelthoven
Director
Also active at: BOVEL, Bengt Servicecenter, World MX Training Center, Neox België, NEUTAN
since 2014
since 2014
since 2014
Shareholders
50%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Luikersteenweg 316 box A000
3920 Lommel
Luikersteenweg 316 box A0000
3920 Lommel
Active since 1 April 1986
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Details
- Company number
- 0428.625.776
- VAT number
- BE 0428.625.776
- Registered office
- Luikersteenweg 316 bus A000, 3920 Lommel
- Names & denominations
- ZANDBEDRIJF VELBO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 March 1986
- Peppol
- Active · Active since 7 Jul 2026
- Contact
- velbo.be
- Activities · NACE
Winning van zand