VIEM
ActiveSummary
VIEM has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.21M and a net result of €940k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €450k at 30 days acceptable
Liquidity ample (current ratio 9.05 against 10.4 in 2024; short-term debt: 7.3% and cash: 1.8% of total assets), and 7.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
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
92.7%
Return on assets
16.7%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
31 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.21M▼ 16.1%
2024 · €6.21M
2018: €2.48M
2019: €3.26M
2020: €4.12M
2021: €4.84M
2022: €6.14M
2023: €5.57M
2024: €6.21M
2018 → 2025
Total assets
€5.62M▼ 15.7%
2024 · €6.66M
2018: €2.82M
2019: €3.70M
2020: €4.62M
2021: €5.15M
2022: €6.63M
2023: €5.97M
2024: €6.66M
2018 → 2025
Net result
€940k▲ 47.5%
2024 · €637k
2018: €611k
2019: €839k
2020: €863k
2021: €1.10M
2022: €992k
2023: €930k
2024: €637k
2018 → 2025
Working capital
€3.31M▼ 22.4%
2024 · €4.26M
2018: €1.85M
2019: €2.54M
2020: €3.20M
2021: €3.91M
2022: €5.19M
2023: €4.67M
2024: €4.26M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.84M-€6.14M▲ 26.8%€5.57M▼ 9.3%€6.21M▲ 11.4%€5.21M▼ 16.1%
Operating result€1.52M-€1.40M▼ 8.0%€1.36M▼ 2.6%€981k▼ 28.2%€1.35M▲ 37.7%
Net result€1.10M-€992k▼ 9.7%€930k▼ 6.3%€637k▼ 31.5%€940k▲ 47.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.62M
Fixed assets
€1.90M ▼ 2.3%
Current assets
€3.72M ▼ 21.2%
Equity and liabilities €5.62M
Equity
€5.21M ▼ 16.1%
Debt
€411k ▼ 9.4%
Debt's share of the balance-sheet total rises from 6.8% to 7.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€1.42M▲
2024 · €1.06M
Cash flow
€1.01M▲
2024 · €713k
Current ratio
9.05▼
2024 · 10.40
Debt to equity
0.08▲
2024 · 0.07
ROE
18.0%▲
2024 · 10.3%
ROA
16.7%▲
2024 · 9.6%
Interest coverage
131.58▲
2024 · 107.14
Debt ≤ 1 year
€411k▼
2024 · €453k
Income taxes
€487k▲
2024 · €376k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.66M€5.62M▼
Fixed assets21/28€1.95M€1.90M▼
Tangible fixed assets22/27€1.95M€1.90M▼
Land and buildings22€1.89M€1.86M▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€51k€36k▼
Financial fixed assets28€350€350=
Current assets29/58€4.72M€3.72M▼
Amounts receivable after more than one year29€600k-
Other amounts receivable291€600k-
Amounts receivable within one year40/41€141k€52k▼
Trade receivables40€135k€46k▼
Other amounts receivable41€6k€6k▲
Current investments50/53€3.83M€3.50M▼
Cash at bank and in hand54/58€86k€99k▲
Deferred charges and accrued income490/1€65k€65k=
Equity and liabilities
Total equity and liabilities10/49€6.66M€5.62M▼
Equity10/15€6.21M€5.21M▼
Contributions10/11€20k€20k=
Reserves13€6.19M€5.18M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€663k€313k▼
Distributable reserves133€5.52M€4.87M▼
Profit (loss) carried forward14€5k€5k=
Amounts payable17/49€453k€411k▼
Amounts payable within one year42/48€453k€411k▼
Trade debts44€8k€102k▲
Suppliers440/4€8k€102k▲
Taxes, remuneration and social security45€371k€280k▼
Taxes450/3€371k€260k▼
Remuneration and social security454/9-€20k
Other amounts payable47/48€75k€29k▼
Income statement
Code20242025
Non-recurring operating income76A€4k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€66k▼
Other operating charges640/8€165k€9k▼
Gross operating margin9900€1.22M€1.43M▲
Operating profit (loss)9901€981k€1.35M▲
Financial income75/76B€42k€88k▲
Recurring financial income75€42k€30k▼
Non-recurring financial income76B-€58k
Financial charges65/66B€10k€11k▲
Recurring financial charges65€10k€11k▲
Profit (loss) for the period before taxes9903€1.01M€1.43M▲
Income taxes67/77€376k€487k▲
Profit (loss) for the period9904€637k€940k▲
Transfer from tax-exempt reserves789€579k€497k▼
Transfer to tax-exempt reserves689-€147k
Profit (loss) for the period to be appropriated9905€1.22M€1.29M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.22M€1.29M▲
Profit (loss) brought forward from the previous period14P€5k€5k=
Transfer from equity791/2-€1.92M
Transfer to equity691/2€1.22M€1.27M▲
To other reserves6921€1.22M€1.27M▲
Profit to be distributed694/7-€1.94M
Return on contributions (dividend)694-€1.92M
Directors or managers695-€18k
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-12
Financial
Equity above €5MEq €6.14M ▲26.8%
5 profitable years in a row build equity to €6.14M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €1.10M ▲27.3%
Operating result €1.52M, net result €1.10M, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Bertem · 1 establishment unit since 2010
Ground area
3,557 m²
Building footprint
527 m²
Volume, LiDAR
1,838 m³
2 parcels, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Advocatenkantoor De Schreye - Sommerijns
since 20102.189.880.116
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24123A0008/00D000 | Flanders | 1,885 m² | 1 · 310 m² | 8.7 m · 1 fl. |
| 24061E0042/00A000 | Flanders | 1,672 m² | 1 · 217 m² | 8.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
984500F8S6AX40BE2F12
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Of 22,056 companies in sector 69101 we hold annual accounts for 9,051. 1,197 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2010
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.