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V.I.F. SELECTION NV

Active
Public limited companyfounded 2010active for 16 yearsVollezeelsesteenweg 2, 1570 Pajottegem, BelgiumKBO/BCE: BE 0827.409.406
Summary

The computed 12-month bankruptcy probability of V.I.F. SELECTION NV is 1.6% (moderate). The 2025 annual accounts show negative equity (-€26,094) and a net result of -€30,746. Equity has been shrinking by about 31% per year since 2019. Its solvency ranks better than 17% of 13,741 sector peers (NACE 46, financial year 2025). The company has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 01-07-2010 Normal situation
Activity
Wholesale of wines and spirits NACE 46341and 3 others
Joint committee
200 Aanvullend Paritair Comité voor de bedienden · annual accounts 31-07-2025
Establishment unit
2.236.236.416 1570 Pajottegem, since 01-07-2010
Financial year end
31 July
Peppol
Reachable since 24-07-2026

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.6%
Annual accounts to 31-07-2025
Gross margin
€25,416
▼ 37.0%
Turnover
≈ €200,000
estimated
Loss
€30,746
▼ 12.9%
Equity
-€26,094
Total assets
€268,410
▼ 10.2%
Staff
1.9 FTE
▲ 35.7%
  • Negative equity on 31-07-2025
Score breakdownraises riskLoss of €30,746, the second in a row (financial year 2025)Negative equity -€26,094Liquidity: current ratio 0.59lowers riskSize: total assets €268,410Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 10% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Weak
Solvency 15-12
equity -9.7% of total assets
Liquidity 9-18
short-term debt 82.6%
Profitability 4=
return on assets -11.5%
Bankruptcy probability within 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 1.1% 01-2025: 1.1%● unchanged vs 12-2024 02-2025: 1.3%▲ +0.2 percentage points vs 01-2025 03-2025: 1.1%▼ -0.2 percentage points vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025 07-2025: 1.1%● unchanged vs 06-2025 08-2025: 1.1%● unchanged vs 07-2025 09-2025: 1.1%● unchanged vs 08-2025 10-2025: 1.1%● unchanged vs 09-2025 11-2025: 1.1%● unchanged vs 10-2025 12-2025: 1.0%▼ -0.1 percentage points vs 11-2025 01-2026: 1.0%● unchanged vs 12-2025lowest value 02-2026: 1.1%▲ +0.1 percentage points vs 01-2026 03-2026: 1.6%▲ +0.5 percentage points vs 02-2026 04-2026: 1.6%● unchanged vs 03-2026 05-2026: 1.6%● unchanged vs 04-2026 06-2026: 1.6%● unchanged vs 05-2026 07-2026: 1.6%● unchanged vs 06-2026 08-2026: 1.6%● unchanged vs 07-2026 09-2026: 1.6%● unchanged vs 08-2026highest value 10-2026: 1.6%● unchanged vs 09-2026highest value 11-2026: 1.6%● unchanged vs 10-2026highest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.59 (0.74 in 2024), below 1. Short-term debt is 82.6% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 14% of them on solvency, 11% on liquidity, 14% on profitability and 1% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €268,410
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €30,746, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€26,094
NBB · annual accounts
raises risk · Liquidity: current ratio 0.59
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€26,094
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 18-02-2026, 10 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
10 days early
2024
11 days early
2023
36 days early
2022
1 day early
2021
3 days early
2020
3 days late
2019
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 8 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-07-2026 is due by 28-02-2027. Nothing is late today. The company usually files around 18 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
31-07-2026 year end03-11-2026 today28-02-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€26,094 View
  • Risk: 6 loss-making years in a rowloss in financial year 2025 -€30,746 View
  • Caution: Lower net result than 91% of companies in wholesale tradesector median €5,660 · 13,747 companies -€30,746 View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

Recent changes

  1. · Gazette deed Incorporation
All 12 events

Comparable companies

These companies have the same main activity as V.I.F. SELECTION NV: wholesale of wines and spirits (NACE 46341). They are comparable in size and age: total assets between €168,000 and €366,000, founded between 2006 and 2014.

CompanyTotal assetsGross margin
V.I.F. SELECTION NV Pajottegem€268,410€25,416
FIJNWIJN Opwijk€332,091€22,989
Maison WNDRLST Lubbeek€275,937€35,024
FRABEL VINS Sint-Genesius-Rode€168,419€20,078
ARNIM WINES Lebbeke€365,927€30,579
GOUT DIT VIN Sambreville€188,173€32,519
UN MOMENTO DI VINO Flémalle€287,858€12,823
Full comparison

Key facts about V.I.F. SELECTION NV

What is the company number of V.I.F. SELECTION NV?
The company number of V.I.F. SELECTION NV is 0827.409.406. The VAT number is the same number with BE in front: BE 0827.409.406.
Where is V.I.F. SELECTION NV based?
The registered office is at Vollezeelsesteenweg 2, 1570 Pajottegem.Company details
What does V.I.F. SELECTION NV do?
According to the KBO register, the main activity is wholesale of wines and spirits (NACE 46341).
What is the legal form of V.I.F. SELECTION NV?
The legal form of V.I.F. SELECTION NV is Public limited company (NV).
When was V.I.F. SELECTION NV founded?
V.I.F. SELECTION NV was founded on 01-07-2010.
Is V.I.F. SELECTION NV still active?
Yes, V.I.F. SELECTION NV is an active enterprise in the KBO register.
How many employees does V.I.F. SELECTION NV have?
V.I.F. SELECTION NV had an average of 1.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does V.I.F. SELECTION NV fall under?
In its 31-07-2025 annual accounts, V.I.F. SELECTION NV states joint committee 200 (Aanvullend Paritair Comité voor de bedienden).
What is the turnover of V.I.F. SELECTION NV?
The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €25,416 and 35 comparable companies (NACE 463). It probably lies between €99,000 and €430,000.
Is V.I.F. SELECTION NV profitable?
In financial year 2025, V.I.F. SELECTION NV made a loss of €30,746.
Where can I find the annual accounts of V.I.F. SELECTION NV?
V.I.F. SELECTION NV filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of V.I.F. SELECTION NV due?
V.I.F. SELECTION NV must file the annual accounts for financial year 2026 by 28-02-2027.Timeline

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