VARIMA

Active

Private limited companyfounded 2010active for 16 yearsRivierstraat 15, 9080 Lochristi, BelgiumKBO/BCE: BE 0826.080.506

Summary

VARIMA has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €323,246 and a net result of €307,278. Equity remains stable across the filed financial years (±0.2% per year). Its solvency ranks better than 20% of 12,678 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisFollow Report Compare

VARIMAActiveChecked score 68/100

Risk analysis Report Compare

Activity

Non-specialised retail sale with food, beverages or tobacco predominating

NACE 47110

6th fastest staff growth in Lochristi1 site

Size

€3.5mtotal assets 2025

Staff: 20.5 FTE
Equity: €323,246
Profit: €307,278

Turnover not published (abbreviated format)

Financial health

68 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.7%

Structure

Parent: JOVIMA · 99.8%

2025 accounts 8 days early1 of 7 deeds summarised

Why 68raises riskEquity €323,246 (9.3% of total assets)Liquidity: current ratio 0.91, cash €179,688, halvedSector: Retail trade (NACE 47)lowers riskFounded in 2010Show the evidence

Checked score

Score 2025

68 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 34% of its sector peers (NACE 47, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 34-12

equity 9.3% of total assets

Liquidity 31-21

short-term debt 50.9% · cash 5.2%

Profitability 79+3

return on assets 8.8%

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,693 companies, NACE 47, small)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.6%▲ +0.3 percentage points vs 12-2024 02-2025: 0.9%▲ +0.3 percentage points vs 01-2025highest value 03-2025: 0.2%▼ -0.7 percentage points vs 02-2025lowest value 04-2025: 0.2%● unchanged vs 03-2025lowest value 05-2025: 0.2%● unchanged vs 04-2025lowest value 06-2025: 0.2%● unchanged vs 05-2025lowest value 07-2025: 0.2%● unchanged vs 06-2025lowest value 08-2025: 0.2%● unchanged vs 07-2025lowest value 09-2025: 0.3%▲ +0.1 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.4%▲ +0.1 percentage points vs 11-2025 01-2026: 0.5%▲ +0.1 percentage points vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.1 percentage points vs 07-2026 09-2026: 0.7%▲ +0.1 percentage points vs 08-2026 10-2026: 0.7%● unchanged vs 09-2026

Credit of up to €21,000 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.91, compared with 1.23 in 2024, below 1; short-term debt: 50.9% and cash: 5.2% of total assets), and 90.7% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, small): better than 21% on solvency, 31% on liquidity, 76% on profitability and 7% on growth.

The bankruptcy probability was computed on 25-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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.

lowers riskraises riskneutral

Equity €323,246 (9.3% of total assets)

NBB · annual accounts

Founded in 2010

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Liquidity: current ratio 0.91, cash €179,688, halved

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 12678 sector peers (2025).

NBB · sector comparison

Position among 12678 sector peers

Solvency

better than 20%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

8 days early

2024

on the day

2023

on the day

2022

7 days early

2021

on the day

2020

2 days early

2019

36 days 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 8 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end26-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

24-06-2026 Board meeting · ShareholdingGazette deed
23-01-2026 Annual accounts filedfinancial year 2025 · abbreviated…
31-01-2025 Annual accounts filedfinancial year 2024 · abbreviated…

Key points

Caution: Equity fell in 2025from €785,967 to €323,246 ▼ 58.9% View
Positive: Among the best 7% on net resultsector median €27,728 · 12,668 companies €307,278 View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Controlled by JOVIMA 99.8% View
Positive: 7 profitable years in a rowprofit 2025: €307,278 7 years View
Flemish supportawarded from 2022 to 2025 €78,968 View

By topic

Financials

Financial year: 2025
Total assets: €3.5m
Profit: €307,278
Solvency: 9.3%

Total assets▼ 6.4%

Net result

20192025

Go to Financials

Board & ownership

Parent: JOVIMA · 99.8%

Go to Board & ownership

Timeline

Events: 18
Since: 2012
Next accounts: by 31-01-2027

31-01-2024Annual accounts filed
30-06-2023Weakest financial year
24-01-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Non-specialised retail sale with food, beverages or tobacco…NACE 47110
Founded: 21-05-2010
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Key facts about VARIMA

What is the company number of VARIMA?: 0826.080.506. In Belgium the VAT number is the company number with BE in front: BE 0826.080.506.
Where is VARIMA based?: The registered office is at Rivierstraat 15, 9080 Lochristi.Company details
What does VARIMA do?: According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of VARIMA?: Private limited company (BV).
When was VARIMA founded?: On 21-05-2010.
Is VARIMA still active?: Yes, VARIMA is an active enterprise in the KBO register.
How many employees does VARIMA have?: On average 20.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of VARIMA?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is VARIMA profitable?: In financial year 2025, VARIMA made a profit of €307,278.
Where can I find the annual accounts of VARIMA?: VARIMA filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of VARIMA due?: By 31-01-2027, for financial year 2026.Timeline