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VFB ET CO

Active
Private limited companyfounded 199729 years activeRue Notre Dame(Th.Les Béguines) 54, 1360 Perwez, BelgiumKBO/BCE: BE 0459.619.949
Summary

VFB ET CO has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57,519 and a net result of -€4,663. Equity is growing by ~60.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 10,567 sector peers (NACE 70, fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Business and other management consultancy
NACE 70200
1 site
Size
€86,307total assets 2025
Equity
€57,519
Loss
-€4,663
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy probability, 12 months
0.1%
Structure
Accounts filed 20 days late0 of 1 deed read
Why 94- Loss of €4,663, the second in a row (FY 2025)+ Liquidity: current ratio 2.37, cash €40,806+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €86,307Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 49% of its sector peers (NACE 70, micro)
Financial strength · tick = 2024
Strong
Solvency 92+13
equity 66.6% of total assets
Liquidity 85+52
short-term debt 33.4% · cash 47.3%
Profitability 62-4
return on assets -5.4%
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 0.1% (48,264 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025lowest value 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.3%▲ +0.2 percentage points vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.2%▼ -0.1 percentage points vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.3%▲ +0.1 percentage points vs 06-2026 08-2026: 0.5%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.1%▼ -0.4 percentage points vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.42 in 2024; short-term debt: 33.4% and cash: 47.3% of total assets), and 33.4% of the assets are financed with debt.
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 70, micro): better than 62% on solvency, 77% on liquidity, 28% on profitability and 30% on growth.

The bankruptcy probability was computed on 06-10-2026 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).

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Signals

Six signals.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 2.37, cash €40,806
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · Loss of €4,663, the second in a row (FY 2025)
NBB · annual accounts
lowers risk · Size: total assets €86,307
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€4,663
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 days late
2024
54 days late
2023
13 days late
2022
29 days late
2021
23 days late
2020
82 days late
2019
95 days late
← 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 45 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 (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 23 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Among the weakest 19% on net resultsector median €37,739 · 10,565 companies -€4,663 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€4,663 View
  • Active since 1997founded 07-01-1997 29 years View

By topic

Financials

Fiscal year
2025
Total assets
€86,307
Loss
-€4,663
Solvency
66.6%
Total assets▼ 24.5%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 31-12-2023Highest result since 2018
  2. 29-08-2023Annual accounts filed
  3. 31-12-2022Liquidity doubles
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
07-01-1997
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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