VIAFIMO
ActiveVIAFIMO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €113k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 4839 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+29
Solvency60▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 2.29 against 2.77 in 2024; short-term debt: 1.1% and cash: 1.5% of total assets), but 64.8% of the assets are financed with debt.
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.2%
Return on assets
3.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
62 d early
2023
20 d late
2022
1 d early
2021
16 d early
2020
23 d early
2020
47 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€113k▲ 123%
2024 · €51k
2019: €-46k
2020: €-151k
2020: €-116k
2021: €-37k
2022: €62k
2023: €2k
2024: €51k
2019 → 2025
Working capital
€45k▼ 40.5%
2024 · €76k
2019: €347k
2020: €329k
2020: €234k
2021: €-78k
2022: €27k
2023: €-25k
2024: €76k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€866k-€928k▲ 7.1%€930k▲ 0.2%€981k▲ 5.5%€1.09M▲ 11.5%
Operating result€-7k-€113k€107k▼ 5.7%€148k▲ 38.9%€145k▼ 2.1%
Net result€-37k-€62k€2k▼ 96.6%€51k▲ 2,357%€113k▲ 123%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.11M
Fixed assets
€3.03M▼ 3.9%
Current assets
€80k▼ 32.5%
Equity and liabilities €3.11M
Equity
€1.09M▲ 11.5%
Debt
€2.02M▼ 12.0%
The debt ratio falls from 70.0% to 64.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€268k▼
2024 · €271k
Cash flow
€236k▲
2024 · €174k
Solvency
35.2%▲
2024 · 30.0%
Current ratio
2.29▼
2024 · 2.77
Quick ratio
2.29▼
2024 · 2.77
Debt / equity
1.84▼
2024 · 2.34
ROE
10.4%▲
2024 · 5.2%
ROA
3.6%▲
2024 · 1.6%
Interest coverage
8.38▲
2024 · 2.78
Debt
€2.02M▼
2024 · €2.29M
Debt ≤ 1 year
€35k▼
2024 · €43k
Debt > 1 year
€1.97M▼
2024 · €2.22M
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.27M€3.11M▼
Fixed assets21/28€3.15M€3.03M▼
Tangible fixed assets22/27€3.15M€3.03M▼
Land and buildings22€3.15M€3.03M▼
Current assets29/58€119k€80k▼
Amounts receivable within one year40/41€37k€11k▼
Trade receivables40€37k€11k▼
Cash at bank and in hand54/58€73k€48k▼
Deferred charges and accrued income490/1€10k€22k▲
Equity and liabilities
Total equity and liabilities10/49€3.27M€3.11M▼
Equity10/15€981k€1.09M▲
Contributions10/11€1.18M€1.18M=
Capital10€1.18M€1.18M=
Issued capital100€1.18M€1.18M=
Reserves13€288k€288k=
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Tax-exempt reserves132€123€123=
Distributable reserves133€277k€277k=
Profit (loss) carried forward14€-491k€-378k▲
Amounts payable17/49€2.29M€2.02M▼
Amounts payable after more than one year17€2.22M€1.97M▼
Financial debts170/4€0-
Other amounts payable178/9€2.22M€1.97M▼
Amounts payable within one year42/48€43k€35k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€34k€11k▼
Suppliers440/4€34k€11k▼
Taxes, remuneration and social security45€4k€683▼
Taxes450/3€4k€683▼
Other amounts payable47/48€5k€24k▲
Accrued charges and deferred income492/3€34k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€123k€123k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€0▼
Other operating charges640/8€31k€27k▼
Gross operating margin9900€304k€295k▼
Operating profit (loss)9901€148k€145k▼
Financial charges65/66B€98k€32k▼
Recurring financial charges65€98k€32k▼
Profit (loss) for the period before taxes9903€51k€113k▲
Profit (loss) for the period9904€51k€113k▲
Profit (loss) for the period to be appropriated9905€51k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-491k€-378k▲
Profit (loss) brought forward from the previous period14P€-542k€-491k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2019net €113k ▲123%
Net result €113k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.09M ▲11.5%
4 profitable years in a row build equity to €1.09M.
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.77
Current ratio from 0.87 to 2.77; short-term debt falls from €190k to €43k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 20 days late
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €62k
Net result €62k after 4 loss-making years.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500kEq €904k ▲174%
Equity rises from €330k to €904k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-01
Financial
Weakest financial yearnet €-151k
Net result drops to €-151k, the lowest in the series; recovery starts the following year.
31-01
Financial
Liquidity quadruplescurrent ratio 7.24
Current ratio from 1.97 to 7.24; short-term debt falls from €358k to €53k.
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
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, Fosses-la-Ville · 1 establishment unit since 2015
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 Vitrival 325070 Fosses-la-VilleGround area
217 m²
Building footprint
115 m²
Volume, LiDAR
1,139 m³
Parcel 92048E0573/00B003, Wallonia · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Vitrival 32, 5070 Fosses-la-Ville
since 20152.243.092.732
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92048E0573/00B003 | Wallonia | 217 m² | 1 · 115 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,804 companies in sector 46831 we hold annual accounts for 1,398. 994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-06-2015
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
45194
46713Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@viafimo.be
Phone:071/71.00.51