VB INVEST

Active

Private limited companyfounded 20233 yrs activePlace de l'Hôtel de Ville(Wal) 13, 5650 Walcourt, BelgiumKBO/BCE: BE 0802.156.742

The computed 12-month bankruptcy probability of VB INVEST is 2.5% (moderate). The 2024 annual accounts show equity of €5k and a net result of €48k. Its solvency ranks better than 20% of 19358 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability72▲+59

Solvency25▲+3

Growth78

Track record94

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 68

Relative position

BE, all sectors

reference

Sector 68

lower

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 19358 sector peers (2024).

NBB · sector comparison

Position among 19358 sector peers

Solvency

better than 20%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

70 d late

2023

69 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€5k

2023 · €-43k

2023: €-43k

2023 → 2024

Total assets

€2.13M▲ 34.7%

2023 · €1.58M

2023: €1.58M

2023 → 2024

Net result

€48k

2023 · €-68k

2023: €-68k

2023 → 2024

Working capital

€-288k▲ 8.5%

2023 · €-314k

2023: €-314k

2023 → 2024

Multi-year overview

Available amounts per fiscal year

Line20232024Trend

Equity€-43k-€5k

Operating result€-76k-€124k

Net result€-68k-€48k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €124k after a loss of €76k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €2.13M

33.0%

67.0%

Fixed assets €703k▼ 8.5%

Current assets €1.42M▲ 75.8%

Equity and liabilities €2.13M

99.8%

Equity €5k

Debt €2.12M

Debt finances 99.8% of the balance-sheet total.

Key figures and ratios

2024 value · change against 2023

EBITDA

€231k▲

2023 · €-25k

Cash flow

€155k▲

2023 · €-17k

Solvency

0.2%▲

2023 · -2.7%

Current ratio

0.83▲

2023 · 0.72

Quick ratio

0.83▲

2023 · 0.72

ROE

970.8%

ROA

2.3%▲

2023 · -4.3%

Interest coverage

9.06▲

2023 · -1.14

Debt

€2.12M▲

2023 · €1.62M

Debt ≤ 1 year

€1.71M▲

2023 · €1.12M

Debt > 1 year

€411k▼

2023 · €491k

Income taxes

€50k▲

2023 · €-30k

Staff costs

€265k▲

2023 · €148k

A ratio outside any meaningful range has been withheld (balance sheet total €2.13M, equity €5k).

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€1.58M€2.13M▲

Fixed assets21/28€769k€703k▼

Intangible fixed assets21€652k€583k▼

Tangible fixed assets22/27€117k€120k▲

Plant, machinery and equipment23-€294

Furniture and vehicles24€93k€75k▼

Other tangible fixed assets26€24k€45k▲

Current assets29/58€811k€1.42M▲

Amounts receivable within one year40/41€63k€596k▲

Trade receivables40€33k€446k▲

Other amounts receivable41€30k€150k▲

Current investments50/53€12k€14k▲

Cash at bank and in hand54/58€734k€809k▲

Deferred charges and accrued income490/1€2k€6k▲

Equity and liabilities

Total equity and liabilities10/49€1.58M€2.13M▲

Equity10/15€-43k€5k▲

Contributions10/11€25k€25k=

Profit (loss) carried forward14€-68k€-20k▲

Amounts payable17/49€1.62M€2.12M▲

Amounts payable after more than one year17€491k€411k▼

Financial debts170/4€491k€411k▼

Amounts payable within one year42/48€1.12M€1.71M▲

Current portion of amounts payable after more than one year42€96k€81k▼

Financial debts43-€100k

Credit institutions430/8-€100k

Trade debts44€65k€87k▲

Suppliers440/4€65k€87k▲

Advances received on contracts in progress46€671k€1.13M▲

Taxes, remuneration and social security45€59k€81k▲

Taxes450/3€34k€47k▲

Remuneration and social security454/9€24k€35k▲

Other amounts payable47/48€234k€231k▼

Accrued charges and deferred income492/3€7k-

Income statement Code20232024

Remuneration, social security and pensions62€148k€265k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€107k▲

Other operating charges640/8€9k€5k▼

Gross operating margin9900€132k€501k▲

Operating profit (loss)9901€-76k€124k▲

Financial income75/76B€0€1▲

Recurring financial income75€0€1▲

Financial charges65/66B€22k€25k▲

Recurring financial charges65€22k€25k▲

Profit (loss) for the period before taxes9903€-98k€98k▲

Income taxes67/77€-30k€50k▲

Profit (loss) for the period9904€-68k€48k▲

Profit (loss) for the period to be appropriated9905€-68k€48k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-68k€-20k▲

Profit (loss) brought forward from the previous period14P-€-68k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

2025

09-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 70 days late

2024

31-12

Financial Back to profitnet €48k

Net result €48k after one loss-making year.

08-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 69 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Walcourt · 6 establishment units since 2023

establishment All 6 establishment units on the map

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.

Place de l'Hôtel de Ville(Wal) 135650 Walcourt

Ground area

1,021 m²

Building footprint

871 m²

Volume, LiDAR

11,629 m³

6 parcels, Wallonia · tallest building 23.8 m, ±7 floors. Linked by address, not a title deed.

6 establishment units

Century 21 – Les Lacs

Place de l'Hôtel de Ville(Wal) 13, 5650 WalcourtReal estate activities

since 20232.345.513.745

Century 21 – Les Lacs

Rue Albert 1er(GER) 4, 6280 GerpinnesReal estate activities

since 20232.346.522.941

Century 21 – Les Lacs

Rue de Montigny 36/38, 6000 CharleroiReal estate activities

since 20232.346.523.040

Century 21 – Les Lacs

Rue des Ormeaux(CH) 14, 6460 ChimayReal estate activities

since 20232.346.523.139

Century 21 – Beaux Villages

Place Verte 25, 5620 FlorennesReal estate activities

since 20232.346.523.238

Century 21 – Beaux Villages

Rue Albert Ier 24, 5640 MettetReal estate activities

since 20232.346.523.337

6 parcels

Wallonia 6 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52011C0040/00K000	Wallonia	477 m²	1 · 472 m²	23.8 m · 7 fl.
93088C0537/00A000	Wallonia	244 m²	1 · 120 m²	-
93022K0233/00A000	Wallonia	97 m²	1 · 77 m²	-
92087F0112/00G000	Wallonia	70 m²	1 · 69 m²	9.6 m · 3 fl.
56016C0361/00V000	Wallonia	69 m²	1 · 51 m²	10.6 m · 3 fl.
52025C0075/00L000	Wallonia	64 m²	1 · 83 m²	12.5 m · 3 fl.