Financials
- Fiscal year
- 2025
- Total assets
- €2.4m
- Profit
- €147,199
- Solvency
- 60.1%
Total assets▼ 3.2%
Net result
20182025
V.D.I.
ActiveSummary
V.D.I. has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.4m and a net result of €147,199. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 68% of 8593 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Insulation installation
NACE 43230NACE 43291NACE 45320
1 site
Size
€2.4mtotal assets 2025
- Staff
- 10.3 FTE
- Equity
- €1.4m
- Profit
- €147,199
Turnover not published (abridged schema)
Structure
Accounts 25 d early0 of 1 deed read
Why 96+ Liquidity: current ratio 2.55, cash €1.3m+ Founded in 1993+ Equity €1.4m (60.1% of total assets)+ Size: 10.3 FTE, total assets €2.4mShow the evidence
Checked score
Score 2025
96
/ 100
Excellent
Probability in this band: under 0.55%
Better than 69% of its sector peers (NACE 43, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
85+4
equity 60.1% of total assets
Liquidity
82+25
short-term debt 38.6% · cash 55.4%
Profitability
77-6
return on assets 6.2%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 16 months
07-2025: 0.1%
08-2025: 0.2%▲ +85.2% vs 07-2025highest value
09-2025: 0.1%▼ -58.9% vs 08-2025
10-2025: 0.1%● 0.0% vs 09-2025
11-2025: 0.1%● 0.0% vs 10-2025
12-2025: 0.1%● 0.0% vs 11-2025
01-2026: 0.1%● 0.0% vs 12-2025
02-2026: 0.1%▼ -13.4% vs 01-2026
03-2026: 0.1%● 0.0% vs 02-2026
04-2026: 0.1%▲ +3.4% vs 03-2026
05-2026: 0.1%▲ +5.0% vs 04-2026
06-2026: 0.1%▼ -7.9% vs 05-2026
07-2026: 0.1%▲ +8.6% vs 06-2026
08-2026: < 0.1%▼ -30.2% vs 07-2026lowest value
09-2026: < 0.1%● 0.0% vs 08-2026lowest value
10-2026: < 0.1%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 2.55, cash €1.3m lowers the probability
- Founded in 1993 lowers the probability for this profile
- Equity €1.4m (60.1% of total assets) lowers the probability
- Size: 10.3 FTE, total assets €2.4m lowers the probability for this profile
Credit up to €130,000 at 30 days acceptable
Liquidity ample (current ratio 2.55 against 2.3 in 2024; short-term debt: 38.6% and cash: 55.4% of total assets), and 39.9% 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, small). Better than this share of them on solvency 79%, liquidity 94%, profitability 62%, growth against the median 42%. 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○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
12 d late
2023
35 d early
2022
22 d late
2021
31 d late
2020
31 d late
2019
37 d early
← 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 on the deadline day; 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 12 August (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Highest result since 2018net €269,830 ▲32.5%
Key points
By topic
Timeline
- Events
- 12
- Since
- 2017
- Next accounts
- by 31-07-2027
- 06-07-2026Annual accounts filed
- 12-08-2025Annual accounts filed
- 31-12-2024Highest result since 2018
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insulation installationNACE 43230
- Founded
- 15-02-1993
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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