VB INTERIOR CONSULT
ActiveSummary
VB INTERIOR CONSULT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €245k and a net result of €-168. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 58% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability49▲+1
Solvency65▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.85 in 2023; short-term debt: 45.7% and cash: 2.8% of total assets), and 60.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
39.6%
Return on assets
0%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
64 d late
2022
152 d late
2021
87 d late
2020
89 d late
2019
201 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-168
2023 · €699
2018: €15k
2019: €9k
2020: €20k
2021: €12k
2022: €-3k
2023: €699
2018 → 2024
Working capital
€-34k▲ 28.5%
2023 · €-48k
2018: €-127k
2019: €-41k
2020: €-32k
2021: €-21k
2022: €-54k
2023: €-48k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€236k-€248k▲ 5.0%€245k▼ 1.4%€245k▲ 0.3%€245k▼ 0.1%
Operating result€47k-€34k▼ 28.0%€9k▼ 74.2%€21k▲ 135%€14k▼ 33.5%
Net result€20k-€12k▼ 39.2%€-3k€699€-168
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 34% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €619k
Fixed assets
€370k ▼ 9.5%
Current assets
€249k ▼ 7.8%
Equity and liabilities €619k
Equity
€245k ▼ 0.1%
Debt
€374k ▼ 13.8%
Debt's share of the balance-sheet total falls from 63.9% to 60.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€55k▼
2023 · €66k
Cash flow
€41k▼
2023 · €46k
Current ratio
0.88▲
2023 · 0.85
Quick ratio
0.27▼
2023 · 0.36
Debt to equity
1.52▼
2023 · 1.77
ROE
-0.1%▼
2023 · 0.3%
ROA
0.0%▼
2023 · 0.1%
Interest coverage
3.61▲
2023 · 3.51
Debt ≤ 1 year
€283k▼
2023 · €318k
Debt > 1 year
€79k▼
2023 · €116k
Income taxes
€4k▼
2023 · €7k
Staff costs
€119k▲
2023 · €115k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 56 lines
Balance sheet
Code20232024
Assets
Total assets20/58€679k€619k▼
Formation expenses20€0€0=
Fixed assets21/28€409k€370k▼
Intangible fixed assets21€28k€19k▼
Tangible fixed assets22/27€358k€329k▼
Land and buildings22€279k€266k▼
Plant, machinery and equipment23€67k€57k▼
Furniture and vehicles24€10k€4k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€23k€23k=
Current assets29/58€270k€249k▼
Stocks and contracts in progress3€155k€173k▲
Stocks30/36€155k€173k▲
Amounts receivable within one year40/41€49k€34k▼
Trade receivables40-€0
Other amounts receivable41€49k€34k▼
Cash at bank and in hand54/58€49k€17k▼
Deferred charges and accrued income490/1€17k€23k▲
Equity and liabilities
Total equity and liabilities10/49€679k€619k▼
Equity10/15€245k€245k▼
Contributions10/11€19k€19k=
Reserves13€44k€44k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€183k€182k▼
Amounts payable17/49€434k€374k▼
Amounts payable after more than one year17€116k€79k▼
Financial debts170/4€116k€79k▼
Amounts payable within one year42/48€318k€283k▼
Current portion of amounts payable after more than one year42€52k€38k▼
Financial debts43€38k€40k▲
Credit institutions430/8€38k€40k▲
Trade debts44€150k€58k▼
Suppliers440/4€150k€58k▼
Taxes, remuneration and social security45€78k€28k▼
Taxes450/3€55k€19k▼
Remuneration and social security454/9€22k€9k▼
Other amounts payable47/48-€119k
Accrued charges and deferred income492/3-€11k
Income statement
Code20232024
Non-recurring operating income76A€1k-
Remuneration, social security and pensions62€115k€119k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€41k▼
Other operating charges640/8€11k€9k▼
Gross operating margin9900€191k€182k▼
Operating profit (loss)9901€21k€14k▼
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€19k€15k▼
Recurring financial charges65€19k€15k▼
Profit (loss) for the period before taxes9903€8k€4k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€699€-168▼
Profit (loss) for the period to be appropriated9905€699€-168▼
Appropriation of the result
Profit (loss) to be appropriated9906€183k€182k▼
Profit (loss) brought forward from the previous period14P€182k€183k▲
Social balance
Average headcount (FTE)90873.23.0▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 57 days late
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 64 days late
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 152 days late
2023
31-12
Financial
Back to profitnet €699
Net result €699 after one loss-making year.
30-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 152 days late
2022
31-12
Financial
Weakest financial yearnet €-3k ▼129%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 87 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 201 days late
2020
31-12
Financial
Highest result since 2018net €20k ▲109%
Operating result €47k, net result €20k, both a record.
2019
21-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 113 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Jemeppe-sur-Sambre · 1 establishment unit since 2004
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de la Station,Moustier 215190 Jemeppe-sur-SambreGround area
757 m²
Building footprint
139 m²
Volume, LiDAR
833 m³
2 parcels, Wallonia · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Sleeping House
since 20042.144.546.076
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92091A0313/00R003 | Wallonia | 514 m² | 1 · 139 m² | 10.8 m · 1 fl. |
| 25076A0131/00L002 | Wallonia | 243 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Similar companies · same sector, comparable size
ITALY MEUBLES
BE 0685.543.738
Charleroi · Eq €245,333
MILLE SENSI
BE 0652.988.459
Turnhout · Eq €245,431
VEVA
BE 0863.757.185
Knokke-Heist · Eq €244,816
ADECOR
BE 0440.845.895
Fleurus · Eq €245,746
EUROSLEEP
BE 0445.552.474
Ninove · Eq €245,827
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,328 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2004
Fiscal year end31-12
Abbreviation FR
VBIC
Activities, NACEBEL 2025
47551Retail sale of household furniture
47552Retail sale of lighting equipment
64210Activities of holding companies
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
70200Business and other management consultancy
74130Interior design
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.