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V-C-T

Active
Private limited companyfounded 201511 yrs activeRue des Bourrains 12, 7012 Mons, BelgiumKBO/BCE: BE 0633.579.155
Summary

V-C-T has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €334,803 and a net result of €94,358. Equity is growing by ~48.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
V-C-TActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Roofing work
NACE 43410Bricklaying and masonry work NACE 43910
1 site
Size
€1.1mturnover 2025
Staff
5.8 FTE
Equity
€334,803
Profit
€94,358
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 27 d late0 of 5 deeds read
Why 94- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 1.88, cash €380,033+ Size: turnover €1.1m, total assets €870,846+ Figures for FY 2025 (filed 06-03-2026)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 65% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 63+8
equity 38.4% of total assets
Liquidity 89+3
short-term debt 27.2% · cash 43.6%
Profitability 81-7
return on assets 10.8%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)
Last 19 months 04-2025: 0.3% 05-2025: 0.3%● 0.0% vs 04-2025 06-2025: 0.3%● 0.0% vs 05-2025 07-2025: 0.3%● 0.0% vs 06-2025 08-2025: 0.3%▲ +0.7% vs 07-2025 09-2025: 0.3%▲ +3.4% vs 08-2025 10-2025: 0.3%▲ +8.8% vs 09-2025 11-2025: 0.4%▲ +17.7% vs 10-2025 12-2025: 0.2%▼ -53.3% vs 11-2025 01-2026: 0.2%▲ +6.0% vs 12-2025 02-2026: 0.4%▲ +83.5% vs 01-2026 03-2026: 0.5%▲ +36.5% vs 02-2026highest value 04-2026: 0.1%▼ -77.2% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%▼ -3.6% vs 05-2026 07-2026: 0.1%● 0.0% vs 06-2026 08-2026: 0.1%▼ -1.9% vs 07-2026lowest value 09-2026: 0.1%▲ +3.8% vs 08-2026 10-2026: 0.1%▲ +6.4% vs 09-2026
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Liquidity: current ratio 1.88, cash €380,033 lowers the probability
  • Size: turnover €1.1m, total assets €870,846 lowers the probability for this profile
  • Figures for FY 2025 (filed 06-03-2026) lowers the probability
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 1.88 against 1.48 in 2024; short-term debt: 27.2% and cash: 43.6% of total assets), but 61.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 41%, liquidity 86%, profitability 61%, growth against the median 70%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Liquidity: current ratio 1.88, cash €380,033
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: turnover €1.1m, total assets €870,846
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 06-03-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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 · 10 filings
Deviation from the deadline
2025
27 d late
2024
24 d late
2023
28 d late
2022
27 d late
2021
21 d late
2020
25 d late
2019
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 27 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close02-10-2026 today31-01-2027 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Highest result since 2019net €114,482 ▲150%

Key points

  • Positive: Among the best 5% on net resultsector median €10,005 · 30,640 companies €94,358 View
  • Positive: 7 profitable years in a rowprofit 2025: €94,358 7 years View
  • Positive: Equity rose in 2025from €243,445 to €334,803 ▲ 37.5% View

By topic

Financials

Fiscal year
2025
Turnover
€1.1m
Profit
€94,358
Solvency
38.4%
Turnover▲ 10.0%
Net result
20232025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-01-2027
  1. 27-02-2026Annual accounts filed
  2. 24-02-2025Annual accounts filed
  3. 30-06-2024Highest result since 2019
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Roofing workNACE 43410
Founded
06-07-2015
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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