VAM&I

Active

Private limited company (pre-2019)founded 201016 yrs activeSteenweg Hulst-Lessen 82, 9140 Temse, BelgiumKBO/BCE: BE 0822.384.608

Summary

The computed 12-month bankruptcy probability of VAM&I is 2.1% (moderate). For VAM&I, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €402,359 and a net result of €30,145. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 34194 sector peers (fiscal year 2023). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

VAM&IActive

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

1 site

Size

€412,874total assets 2023

Equity: €402,359
Profit: €30,145

Turnover not published (abridged schema)

Financial health

Bankruptcy chance 12 m: 2.1%

2023 figures too old to score

Structure

Accounts 430 d overdue0 of 2 deeds read

Signals- Figures for FY 2023 (filed 04-10-2024)- 2 financial years not filed after the legal deadline; latest accounts 61 days late; 3 of the last 3 late- Two or more financial years not filed+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Equity €402,359 (97.5% of total assets)Filed after the deadlineShow the evidence

Checked score

No current score

Figures too old

The available figures for FY 2023 are too old to assess current financial health.

Filing: At least two filing cycles are missing

Financial strength, FY 2023 · tick = 2022

Strong

Solvency 100=

equity 97.5% of total assets

Liquidity 58-10

short-term debt 2.5% · cash 6.3%

Profitability 78-10

return on assets 7.3%

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (47,788 companies)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -0.9% vs 12-2024 02-2025: 0.2%▲ +0.9% vs 01-2025 03-2025: 0.2%▼ -4.3% vs 02-2025 04-2025: 0.2%▼ -0.9% vs 03-2025 05-2025: 0.2%▼ -5.4% vs 04-2025lowest value 06-2025: 0.2%▲ +1.9% vs 05-2025 07-2025: 0.3%▲ +19.5% vs 06-2025 08-2025: 0.3%▲ +35.4% vs 07-2025 09-2025: 0.4%▲ +13.5% vs 08-2025 10-2025: 0.5%▲ +27.6% vs 09-2025 11-2025: 0.5%▲ +3.6% vs 10-2025 12-2025: 0.7%▲ +28.9% vs 11-2025 01-2026: 1.4%▲ +111% vs 12-2025 02-2026: 1.4%● 0.0% vs 01-2026 03-2026: 1.5%▲ +6.2% vs 02-2026 04-2026: 1.4%▼ -10.3% vs 03-2026 05-2026: 1.4%● 0.0% vs 04-2026 06-2026: 1.4%● 0.0% vs 05-2026 07-2026: 1.4%● 0.0% vs 06-2026 08-2026: 2.1%▲ +55.0% vs 07-2026highest value 09-2026: 2.1%● 0.0% vs 08-2026highest value 10-2026: 2.1%● 0.0% vs 09-2026highest value

Figures for FY 2023 (filed 04-10-2024) raises the probability
2 financial years not filed after the legal deadline; latest accounts 61 days late; 3 of the last 3 late raises the probability
Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Equity €402,359 (97.5% of total assets) lowers the probability

Credit check for your own amount and term

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

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Figures for FY 2023 (filed 04-10-2024)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

2 financial years not filed after the legal deadline; latest accounts 61 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Equity €402,359 (97.5% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Two or more financial years not filed

Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.

NBB · 10 filings

Position against the passed deadline

31-12-2024 close31-07-2025 deadline04-10-2026 today

Filed after the deadline

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 30-09-2024, 61 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

not confirmed

2024

not filed

2023

61 d late

2022

31 d late

2021

61 d late

2020

31 d late

2019

118 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 60 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)

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

30-09-24 Annual accounts filedfiscal year 2023 · micro…
31-12-23 Liquidity triplescurrent ratio 35.83
31-08-23 Annual accounts filedfiscal year 2022 · micro…

Key points

Risk: Accounts not fileddeadline was 31-07-2025 430 d late View
Positive: Among the best 5% on solvencysector median 56.7% · 34,194 companies 97.5% View
Total assets 20236 fiscal years filed €412,874 View