VIAMAR
ActiveVIAMAR has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128k and a net result of €17k. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent▲ +28 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+68
Solvency97▼-3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 6.72 in 2024), and 44.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
55.6%
Return on assets
7.6%
Age of the figures
8 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
29 d early
2024
28 d early
2023
29 d early
2022
24 d early
2021
19 d early
2020
3 d early
2019
108 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€128k▼ 39.2%
2024 · €211k
2018: €75k
2019: €100k
2020: €105k
2021: €127k
2022: €145k
2023: €245k
2024: €211k
2018 → 2025
Total assets
€230k▼ 6.9%
2024 · €247k
2018: €381k
2019: €291k
2020: €189k
2021: €197k
2022: €156k
2023: €294k
2024: €247k
2018 → 2025
Net result
€17k
2024 · €-34k
2018: €56k
2019: €25k
2020: €5k
2021: €22k
2022: €18k
2023: €100k
2024: €-34k
2018 → 2025
Working capital
€128k▼ 39.2%
2024 · €211k
2018: €162k
2019: €92k
2020: €104k
2021: €168k
2022: €145k
2023: €245k
2024: €211k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€145k▲ 14.1%€245k▲ 69.3%€211k▼ 14.0%€128k▼ 39.2%
Operating result€32k-€28k▼ 14.0%€134k▲ 384%€-37k€14k
Net result€22k-€18k▼ 17.5%€100k▲ 459%€-34k€17k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €37k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €230k
Equity
€128k▼ 39.2%
Debt
€102k▲ 178%
The debt ratio rises from 14.9% to 44.4%: debt grows while equity shrinks.
Key figures and ratios
Solvency
55.6%▼
2024 · 85.1%
Current ratio
2.25▼
2024 · 6.72
Quick ratio
2.25▼
2024 · 6.72
Debt / equity
0.80▲
2024 · 0.17
ROE
13.6%▲
2024 · -16.3%
ROA
7.6%▲
2024 · -13.8%
Debt
€102k▲
2024 · €37k
Debt ≤ 1 year
€102k▲
2024 · €37k
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€247k€230k▼
Current assets29/58€247k€230k▼
Amounts receivable within one year40/41€5k€32k▲
Trade receivables40-€30k
Other amounts receivable41€5k€2k▼
Current investments50/53-€185k
Cash at bank and in hand54/58€242k€13k▼
Equity and liabilities
Total equity and liabilities10/49€247k€230k▼
Equity10/15€211k€128k▼
Contributions10/11€19k€19k=
Reserves13€192k€109k▼
Distributable reserves133€192k€109k▼
Amounts payable17/49€37k€102k▲
Amounts payable within one year42/48€37k€102k▲
Trade debts44€31k€2k▼
Suppliers440/4€31k€2k▼
Taxes, remuneration and social security45€3k€15k▲
Taxes450/3€3k€15k▲
Other amounts payable47/48€3k€85k▲
Income statement
Code20242025
Other operating charges640/8€705€910▲
Gross operating margin9900€-36k€15k▲
Operating profit (loss)9901€-37k€14k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€185€343▲
Recurring financial charges65€185€343▲
Profit (loss) for the period before taxes9903€-34k€17k▲
Profit (loss) for the period9904€-34k€17k▲
Profit (loss) for the period to be appropriated9905€-34k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€17k▲
Transfer from equity791/2€34k€100k▲
Transfer to equity691/2-€17k
To other reserves6921-€17k
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-34k ▼134%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €100k ▲459%
Operating result €134k, net result €100k, both a record.
31-12
Financial
Equity above €200kEq €245k ▲69.3%
6 profitable years in a row build equity to €245k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 7.90
Current ratio from 2.48 to 7.90; short-term debt falls from €71k to €24k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €105k ▲5.3%
3 profitable years in a row build equity to €105k.
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Temse · 1 establishment unit since 2017
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.
Smesstraat 689140 TemseGround area
3,048 m²
Building footprint
261 m²
Volume, LiDAR
1,171 m³
Parcel 46025B0830/00K000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Smesstraat 68, 9140 Temse
since 20172.269.774.561
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0830/00K000 | Flanders | 3,048 m² | 1 · 261 m² | 7.0 m · 1 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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CLOET ENGENERING
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Of 11,505 companies in sector 71121 we hold annual accounts for 6,524. 5,207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2017
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.