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IMMO VIO

Active
Private limited companyfounded 20224 yrs activeMontagne Sainte Barbe(JB) 7, 5100 Namur, BelgiumKBO/BCE: BE 0782.262.141
Summary

The computed 12-month bankruptcy probability of IMMO VIO is 3.5% (moderate). The 2025 annual accounts show equity of €17,442 and a net result of -€1,166. Equity is shrinking by ~8.9% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability12▲+5
Solvency100=
Growth58=
Track record94
Bankruptcy probability, 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.08 in 2024; short-term debt: 21.8% and cash: 1.5% of total assets), and 21.8% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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 2025
Solvency, return and age of the figures
Solvency
78.2%
Return on assets
-5.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filings
Deviation from the deadline
2025
5 d late
2024
6 d early
2023
9 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 3 accounts on average 3 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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. Usually files around 25 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

IMMO VIO was incorporated on 16 February 2022 as a Private limited company.1 Since 2026, Vandevandel Benjamin has served as director of the company.2 Total assets went from EUR 20,773 in 2023 to EUR 22,319 in 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 24-07-2026
  3. 3National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€17,442▼ 6.3%
2024 · €18,609
Total assets
€22,319▼ 0.3%
2024 · €22,391
Net result
-€1,166▲ 46.1%
2024 · -€2,165
Working capital
-€4,546▼ 31.2%
2024 · -€3,464
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result-€3,115--€2,105▲ 32.4%-€1,106▲ 47.4%
Net result-€3,227--€2,165▲ 32.9%-€1,166▲ 46.1%
Equity€20,773-€18,609▼ 10.4%€17,442▼ 6.3%
Total assets€20,773-€22,391▲ 7.8%€22,319▼ 0.3%
Debt€3,782€4,876▲ 28.9%
Working capital-€3,464-€4,546▼ 31.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€3,000-€2,000-€1,000€0Operating result 2023: -€3,115-€3,115Net result 2023: -€3,227-€3,227Operating result 2024: -€2,105-€2,105Net result 2024: -€2,165-€2,165Operating result 2025: -€1,106-€1,106Net result 2025: -€1,166-€1,166202320242025-€4,000-€3,000-€2,000-€1,000€0Operating result 2023: -€3,115-€3,110Net result 2023: -€3,227-€3,230Operating result 2024: -€2,105-€2,100Net result 2024: -€2,165-€2,160Operating result 2025: -€1,106-€1,110Net result 2025: -€1,166-€1,170202320242025
The operating result stays negative: a loss of €1,106 in 2025 against €2,105 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22,319
Fixed assets €21,989 ▼ 0.4%
Current assets €330 ▲ 3.6%
Equity and liabilities €22,319
Equity €17,442 ▼ 6.3%
Debt €4,876 ▲ 28.9%
Debt's share of the balance-sheet total rises from 16.9% to 21.8%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€1,022▲
2024 · -€2,092
Cash flow
-€1,082▲
2024 · -€2,152
Current ratio
0.07▼
2024 · 0.08
Debt to equity
0.28▲
2024 · 0.20
ROE
-6.7%▲
2024 · -11.6%
ROA
-5.2%▲
2024 · -9.7%
Interest coverage
-17.04▲
2024 · -34.86
Debt ≤ 1 year
€4,876▲
2024 · €3,782
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,146 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 92% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a small loss
2.2% went bankrupt
5.9% stopped otherwise
92% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 3.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,146 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 26 lines
Balance sheet Code20242025
Assets
Total assets20/58€22,391€22,319▼
Fixed assets21/28€22,073€21,989▼
Tangible fixed assets22/27€22,073€21,989▼
Land and buildings22€22,073€21,989▼
Current assets29/58€319€330▲
Cash at bank and in hand54/58€319€330▲
Equity and liabilities
Total equity and liabilities10/49€22,391€22,319▼
Equity10/15€18,609€17,442▼
Contributions10/11€24,000€24,000=
Profit (loss) carried forward14-€5,391-€6,558▼
Amounts payable17/49€3,782€4,876▲
Amounts payable within one year42/48€3,782€4,876▲
Trade debts44€1,026€620▼
Suppliers440/4€1,026€620▼
Other amounts payable47/48€2,757€4,257▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13€84▲
Other operating charges640/8€1,066€1,103▲
Gross operating margin9900-€1,026€80▲
Operating profit (loss)9901-€2,105-€1,106▲
Financial charges65/66B€60€60=
Recurring financial charges65€60€60=
Profit (loss) for the period before taxes9903-€2,165-€1,166▲
Profit (loss) for the period9904-€2,165-€1,166▲
Profit (loss) for the period to be appropriated9905-€2,165-€1,166▲
Appropriation of the result
Profit (loss) to be appropriated9906-€5,391-€6,558▼
Profit (loss) brought forward from the previous period14P-€3,227-€5,391▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,400€13€84▲ 552%
Other operating charges640/8€1,715€1,066€1,103▲ 3.5%
Gross operating margin9900--€1,026€80▲ 108%
Operating profit (loss)9901-€3,115-€2,105-€1,106▲ 47.4%
Financial charges65/66B€112€60€60=
Recurring financial charges65€112€60€60=
Profit (loss) for the period before taxes9903-€3,227-€2,165-€1,166▲ 46.1%
Profit (loss) for the period9904-€3,227-€2,165-€1,166▲ 46.1%
Profit (loss) for the period to be appropriated9905-€3,227-€2,165-€1,166▲ 46.1%
Line202320242025Change
Assets
Total assets20/58€20,773€22,391€22,319▼ 0.3%
Fixed assets21/28€19,331€22,073€21,989▼ 0.4%
Tangible fixed assets22/27€19,331€22,073€21,989▼ 0.4%
Land and buildings22€19,331€22,073€21,989▼ 0.4%
Current assets29/58€1,442€319€330▲ 3.6%
Cash at bank and in hand54/58€1,442€319€330▲ 3.6%
Equity and liabilities
Total equity and liabilities10/49€20,773€22,391€22,319▼ 0.3%
Equity10/15€20,773€18,609€17,442▼ 6.3%
Contributions10/11€24,000€24,000€24,000=
Profit (loss) carried forward14-€3,227-€5,391-€6,558▼ 21.6%
Amounts payable17/49-€3,782€4,876▲ 28.9%
Amounts payable within one year42/48-€3,782€4,876▲ 28.9%
Trade debts44-€1,026€620▼ 39.6%
Suppliers440/4-€1,026€620▼ 39.6%
Other amounts payable47/48-€2,757€4,257▲ 54.4%
Line202320242025Change
Profit (loss) for the period9904-€3,227-€2,165-€1,166▲ 46.1%
+ Depreciation and write-downs630€1,400€13€84▲ 552%
Operating cash flow (approximation)-€1,827-€2,152-€1,082▲ 49.7%
Investment in fixed assets (approximation)--€2,754€0▲ 100%
Change in cash--€1,123€12▲ 101%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
05-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
24-07
State Gazette act Resignation: Breugelmans Thierry (director)
Appointment: Vandevandel Benjamin (director)3 facts ▸
  • General meeting, 24-06-2026
  • Director resignation, Breugelmans Thierry (director)
  • Director appointment, Vandevandel Benjamin (director)
2025
25-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
State Gazette actNBB filing
1 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 director, last change in 2026
Vandevandel Benjamin
Director · since 12-06-2026
Current
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
435 m²
Building footprint
54 m²
Volume, LiDAR
540 m³
Parcel 92067C0209/00F000, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Montagne Sainte Barbe(JB) 7, 5100 Namur
Real estate activities
since 20222.330.604.251
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92067C0209/00F000 Wallonia 435 m² 1 · 54 m² 12.0 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Mandate history

2 people since 2026, 1 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
Vandevandel Benjamin
  • Director, from 12-06-2026 to date
Breugelmans Thierry
  • Director, until 24-07-2026
See the board, name and seat on a given date →

Structure & network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

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Identification & contact

Identification
Legal formPrivate limited company
Founded16-02-2022
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0782262141
Registered 25-09-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.