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VIBI

Active
Private limited companyfounded 20205 yrs activeChaussée d'Ottenbourg 129, 1300 Wavre, BelgiumKBO/BCE: BE 0759.941.946
Summary

The computed 12-month bankruptcy probability of VIBI is 2.8% (moderate). The 2024 annual accounts show equity of €78,718 and a net result of €107,718. Equity is growing by ~25.9% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 6.1 against 9.72 in 2023; short-term debt: 14.4% and cash: 15.8% of total assets), and 14.4% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 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 · 5 filings
Deviation from the deadline
2025
not confirmed
2024
69 d late
2023
69 d late
2022
80 d late
2021
138 d late
2020
121 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 5 accounts on average 95 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · 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

History

On 17 December 2020, VIBI was incorporated as a Private limited company.1 Total assets went from EUR 5,000 in 2020 to EUR 91,994 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2024

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Financials · fiscal year 2024, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€107,718▲ 243%
2023 · €31,365
Working capital
€67,680▲ 36.9%
2023 · €49,428
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€63,151€45,106▼ 28.6%€40,416▼ 10.4%€139,463▲ 245%
Net result€50,482€35,443▼ 29.8%€31,365▼ 11.5%€107,718▲ 243%
Equity€5,000-€55,482▲ 1,010%€55,482=€59,145▲ 6.6%€78,718▲ 33.1%
Total assets€5,000-€69,996▲ 1,300%€86,283▲ 23.3%€64,813▼ 24.9%€91,994▲ 41.9%
Debt€14,515€30,801▲ 112%€5,668▼ 81.6%€13,276▲ 134%
Working capital€40,714€42,218▲ 3.7%€49,428▲ 17.1%€67,680▲ 36.9%
Result per fiscal year
Operating resultNet result
€0€50,000€100,000€150,000Operating result 2021: €63,151€63,151Net result 2021: €50,482€50,482Operating result 2022: €45,106€45,106Net result 2022: €35,443€35,443Operating result 2023: €40,416€40,416Net result 2023: €31,365€31,365Operating result 2024: €139,463€139,463Net result 2024: €107,718€107,71820202021202220232024€0€50,000€100,000€150,000Operating result 2022: €45,106€45,100Net result 2022: €35,443€35,400Operating result 2023: €40,416€40,400Net result 2023: €31,365€31,400Operating result 2024: €139,463€139,000Net result 2024: €107,718€108,000202220232024
The operating result recovers in 2024; 2024 is 245% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €91,994
Fixed assets €11,038 ▲ 13.6%
Current assets €80,956 ▲ 46.9%
Equity and liabilities €91,994
Equity €78,718 ▲ 33.1%
Debt €13,276 ▲ 134%
Debt's share of the balance-sheet total rises from 8.7% to 14.4%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€141,825▲
2023 · €42,374
Cash flow
€110,080▲
2023 · €33,322
Current ratio
6.10▼
2023 · 9.72
Debt to equity
0.17▲
2023 · 0.10
ROE
136.8%▲
2023 · 53.0%
ROA
117.1%▲
2023 · 48.4%
Interest coverage
1929.60▲
2023 · 356.08
Debt ≤ 1 year
€13,276▲
2023 · €5,668
Income taxes
€31,672▲
2023 · €8,933
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.5% went bankrupt
3.4% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet Code20232024
Assets
Total assets20/58€64,813€91,994▲
Fixed assets21/28€9,717€11,038▲
Intangible fixed assets21€890€890=
Tangible fixed assets22/27€8,827€10,148▲
Furniture and vehicles24€1,032€3,408▲
Other tangible fixed assets26€7,795€6,740▼
Current assets29/58€55,096€80,956▲
Amounts receivable within one year40/41€1,067€1,353▲
Trade receivables40-€840
Other amounts receivable41€1,067€514▼
Current investments50/53€26,200€64,484▲
Cash at bank and in hand54/58€27,829€14,566▼
Deferred charges and accrued income490/1-€553
Equity and liabilities
Total equity and liabilities10/49€64,813€91,994▲
Equity10/15€59,145€78,718▲
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14€54,145€73,718▲
Amounts payable17/49€5,668€13,276▲
Amounts payable within one year42/48€5,668€13,276▲
Trade debts44€1,513€951▼
Suppliers440/4€1,513€951▼
Taxes, remuneration and social security45€4,155€11,772▲
Taxes450/3€4,155€11,772▲
Other amounts payable47/48-€553
Income statement Code20232024
Non-recurring operating income76A-€151
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,957€2,362▲
Other operating charges640/8€521€860▲
Non-recurring operating charges66A€590-
Gross operating margin9900€43,485€142,685▲
Operating profit (loss)9901€40,416€139,463▲
Financial charges65/66B€119€74▼
Recurring financial charges65€119€74▼
Profit (loss) for the period before taxes9903€40,297€139,390▲
Income taxes67/77€8,933€31,672▲
Profit (loss) for the period9904€31,365€107,718▲
Profit (loss) for the period to be appropriated9905€31,365€107,718▲
Appropriation of the result
Profit (loss) to be appropriated9906€81,846€161,863▲
Profit (loss) brought forward from the previous period14P€50,482€54,145▲
Profit to be distributed694/7€27,701€88,145▲
Return on contributions (dividend)694€27,701€88,145▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Non-recurring operating income76A----€151-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1,082€2,394€1,957€2,362▲ 20.7%
Other operating charges640/8-€775€428€521€860▲ 65.0%
Non-recurring operating charges66A---€590--
Gross operating margin9900-€65,007€47,927€43,485€142,685▲ 228%
Operating profit (loss)9901-€63,151€45,106€40,416€139,463▲ 245%
Financial charges65/66B-€64€69€119€74▼ 38.2%
Recurring financial charges65-€64€69€119€74▼ 38.2%
Profit (loss) for the period before taxes9903-€63,086€45,037€40,297€139,390▲ 246%
Income taxes67/77-€12,605€9,594€8,933€31,672▲ 255%
Profit (loss) for the period9904-€50,482€35,443€31,365€107,718▲ 243%
Profit (loss) for the period to be appropriated9905-€50,482€35,443€31,365€107,718▲ 243%
Line20202021202220232024Change
Assets
Total assets20/58€5,000€69,996€86,283€64,813€91,994▲ 41.9%
Fixed assets21/28-€14,768€13,264€9,717€11,038▲ 13.6%
Intangible fixed assets21--€890€890€890=
Tangible fixed assets22/27-€14,768€12,374€8,827€10,148▲ 15.0%
Furniture and vehicles24-€4,864€3,525€1,032€3,408▲ 230%
Other tangible fixed assets26-€9,903€8,849€7,795€6,740▼ 13.5%
Current assets29/58€5,000€55,229€73,019€55,096€80,956▲ 46.9%
Amounts receivable within one year40/41-€5,668-€1,067€1,353▲ 26.8%
Trade receivables40-€2,863--€840-
Other amounts receivable41-€2,805-€1,067€514▼ 51.8%
Current investments50/53--€11,200€26,200€64,484▲ 146%
Cash at bank and in hand54/58€5,000€49,561€61,819€27,829€14,566▼ 47.7%
Deferred charges and accrued income490/1----€553-
Equity and liabilities
Total equity and liabilities10/49€5,000€69,996€86,283€64,813€91,994▲ 41.9%
Equity10/15€5,000€55,482€55,482€59,145€78,718▲ 33.1%
Contributions10/11-€5,000€5,000€5,000€5,000=
Profit (loss) carried forward14-€50,482€50,482€54,145€73,718▲ 36.1%
Amounts payable17/49-€14,515€30,801€5,668€13,276▲ 134%
Amounts payable within one year42/48-€14,515€30,801€5,668€13,276▲ 134%
Trade debts44-€1,910-€1,513€951▼ 37.1%
Suppliers440/4-€1,910-€1,513€951▼ 37.1%
Taxes, remuneration and social security45-€12,605€27,515€4,155€11,772▲ 183%
Taxes450/3-€12,605€27,515€4,155€11,772▲ 183%
Other amounts payable47/48--€3,286-€553-
Line20202021202220232024Change
Profit (loss) for the period9904-€50,482€35,443€31,365€107,718▲ 243%
+ Depreciation and write-downs630-€1,082€2,394€1,957€2,362▲ 20.7%
Operating cash flow (approximation)-€51,563€37,837€33,322€110,080▲ 230%
Investment in fixed assets (approximation)---€890€1,590-€3,683▼ 332%
Change in cash-€44,561€12,258-€33,990-€13,263▲ 61.0%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
08-10
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 69 days late
2024
31-12
Financial Highest result since 2021net €107,718 ▲243%
Operating result €139,463, net result €107,718, both a record.
08-10
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 69 days late
2023
31-12
Financial Weakest financial yearnet €31,365 ▼11.5%
Net result drops to €31,365, the lowest in the series; recovery starts the following year.
31-12
Financial Liquidity quadruplescurrent ratio 9.72
Current ratio from 2.37 to 9.72; short-term debt falls from €30,801 to €5,668.
19-10
NBB filing Annual accounts filed
fiscal year 2022 · full schema · 80 days late
2022
16-12
NBB filing Annual accounts filed
fiscal year 2021 · full schema · 138 days late
2021
29-11
NBB filing Annual accounts filed
fiscal year 2020 · full schema · 121 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Wavre · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
2,001 m²
Building footprint
219 m²
Volume, LiDAR
596 m³
Parcel 25112D0185/00L002, Wallonia · tallest building 4.7 m, ±1 floor. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
VIBI
Chaussée d'Ottenbourg 129, 1300 WavreGeneral medical practice
since 20202.311.862.663
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25112D0185/00L002 Wallonia 2,001 m² 1 · 219 m² 4.7 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded17-12-2020
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.