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VANBILLEMONT

Active
Private limited companyfounded 198937 yrs activeRamskapellestraat 7, 8620 Nieuwpoort, BelgiumKBO/BCE: BE 0438.295.191
Summary

VANBILLEMONT has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of €390,695. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 9042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
VANBILLEMONTActiveChecked score 99/100
Risk analysis ReportCompare

Overview

Activity
Painting of buildings
NACE 43341NACE 45441
#3 company by equity in Nieuwpoort, Construction sector1 site
Size
€1.4mtotal assets 2025
Staff
7.3 FTE
Equity
€1.1m
Profit
€390,695
Turnover not published (abridged schema)
Financial health
99 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Board
1 member
Accounts 105 d early1 of 5 deeds read
Why 99- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 4.53, cash €872,553+ Equity €1.1m (79.8% of total assets)+ Founded in 1989Show the evidence

Checked score

Score 2025
99 / 100
Excellent
Probability in this band: under 0.55%
Better than 88% 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 100+14
equity 79.8% of total assets
Liquidity 94+45
short-term debt 20.2% · cash 62.3%
Profitability 100=
return on assets 27.9%
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).

Sector median 0.7% (47,046 companies)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● 0.0% vs 11-2024 01-2025: 0.4%▼ -0.3% vs 12-2024 02-2025: 0.4%▲ +19.0% vs 01-2025highest value 03-2025: 0.4%▼ -9.8% vs 02-2025 04-2025: 0.3%▼ -30.3% vs 03-2025 05-2025: 0.3%● 0.0% vs 04-2025 06-2025: 0.3%● 0.0% vs 05-2025 07-2025: 0.3%▲ +2.9% vs 06-2025 08-2025: 0.1%▼ -59.2% vs 07-2025 09-2025: 0.1%● 0.0% 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%▲ +0.9% vs 12-2025 02-2026: < 0.1%▼ -69.2% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%● 0.0% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%▼ -5.6% vs 09-2026lowest value
  • Liquidity: current ratio 4.53, cash €872,553 lowers the probability
  • Equity €1.1m (79.8% of total assets) lowers the probability
  • Founded in 1989 lowers the probability for this profile
  • Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €110,000 at 30 days acceptable
Liquidity ample (current ratio 4.53 against 2.8 in 2024; short-term debt: 20.2% and cash: 62.3% of total assets), and 20.2% 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 90%, liquidity 91%, profitability 93%, growth against the median 78%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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
lowers risk · Liquidity: current ratio 4.53, cash €872,553
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €1.1m (79.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1989
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-01-2026, 105 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
105 d early
2024
42 d early
2023
64 d early
2022
1 d late
2021
10 d late
2020
36 d early
2019
44 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 40 days before 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 19 March (4 of the last 5 filed years within 52 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 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. Resignation: Alain Vanbillemont (non-statutory director)Appointment: Alvan BC (non-statutory director)…
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Highest result since 2019net €390,695 ▲4.4%

Key points

  • Positive: Among the best 6% on net resultsector median €27,666 · 9,035 companies €390,695 View
  • Caution: Board changedlatest change 11-06-2026 · 1 in office 1 joined · 1 left View
  • Positive: 7 profitable years in a rowprofit 2025: €390,695 7 years View
  • Positive: Equity rose in 2025from €813,040 to €1.1m ▲ 37.5% View

By topic

Financials

Fiscal year
2025
Total assets
€1.4m
Profit
€390,695
Solvency
79.8%
Total assets▲ 5.9%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 30-04-2027
  1. 02-07-2026Resignation: Alain Vanbillemont (non-statutory director)
  2. 15-01-2026Annual accounts filed
  3. 30-09-2025Highest result since 2019
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Painting of buildingsNACE 43341
Founded
05-09-1989
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies

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