VILARBEL
ActiveVILARBEL has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €156k and a net result of €66k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+26
Solvency92▲+32
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 1.47 in 2024; short-term debt: 32.6% and cash: 61.2% of total assets), and 32.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
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
67.4%
Return on assets
28.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
21 d late
2023
30 d late
2022
168 d late
2021
61 d late
2020
61 d late
2019
192 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€156k▲ 72.3%
2024 · €91k
2018: €69k
2019: €78k
2020: €75k
2021: €76k
2022: €72k
2023: €80k
2024: €91k
2018 → 2025
Total assets
€232k▼ 10.9%
2024 · €260k
2018: €127k
2019: €112k
2020: €124k
2021: €124k
2022: €169k
2023: €218k
2024: €260k
2018 → 2025
Net result
€66k▲ 538%
2024 · €10k
2018: €9k
2019: €10k
2020: €-3k
2021: €680
2022: €-4k
2023: €8k
2024: €10k
2018 → 2025
Working capital
€149k▲ 88.6%
2024 · €79k
2018: €46k
2019: €69k
2020: €86k
2021: €80k
2022: €73k
2023: €69k
2024: €79k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€72k▼ 4.8%€80k▲ 11.2%€91k▲ 12.8%€156k▲ 72.3%
Operating result€1k-€4k▲ 206%€12k▲ 173%€15k▲ 26.8%€87k▲ 475%
Net result€680-€-4k€8k€10k▲ 27.2%€66k▲ 538%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 475% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €232k
Fixed assets
€7k▼ 38.5%
Current assets
€224k▼ 9.6%
Equity and liabilities €232k
Equity
€156k▲ 72.3%
Debt
€75k▼ 55.4%
The debt ratio falls from 65.1% to 32.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▲
2024 · €19k
Cash flow
€70k▲
2024 · €14k
Solvency
67.4%▲
2024 · 34.9%
Current ratio
2.98▲
2024 · 1.47
Quick ratio
2.98▲
2024 · 1.47
Debt / equity
0.48▼
2024 · 1.87
ROE
42.0%▲
2024 · 11.3%
ROA
28.3%▲
2024 · 4.0%
Interest coverage
62.51▲
2024 · 9.99
Debt
€75k▼
2024 · €169k
Debt ≤ 1 year
€75k▼
2024 · €169k
Income taxes
€26k▲
2024 · €6k
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€260k€232k▼
Fixed assets21/28€12k€7k▼
Tangible fixed assets22/27€11k€7k▼
Plant, machinery and equipment23€531€177▼
Furniture and vehicles24€3k€1k▼
Leasing and similar rights25€8k€5k▼
Financial fixed assets28€231€231=
Current assets29/58€248k€224k▼
Amounts receivable within one year40/41€194k€82k▼
Trade receivables40€142k€32k▼
Other amounts receivable41€51k€50k▼
Cash at bank and in hand54/58€53k€142k▲
Deferred charges and accrued income490/1€1k€835▼
Equity and liabilities
Total equity and liabilities10/49€260k€232k▼
Equity10/15€91k€156k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€70k€136k▲
Amounts payable17/49€169k€75k▼
Amounts payable within one year42/48€169k€75k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€115k€41k▼
Suppliers440/4€115k€41k▼
Advances received on contracts in progress46€41k-
Taxes, remuneration and social security45€8k€34k▲
Taxes450/3€6k€32k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€690€728▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€6k€366▼
Gross operating margin9900€27k€95k▲
Operating profit (loss)9901€15k€87k▲
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€16k€91k▲
Income taxes67/77€6k€26k▲
Profit (loss) for the period9904€10k€66k▲
Profit (loss) for the period to be appropriated9905€10k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€136k▲
Profit (loss) brought forward from the previous period14P€60k€70k▲
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Highest result since 2018net €66k ▲538%
Operating result €87k, net result €66k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.98
Current ratio from 1.47 to 2.98; short-term debt falls from €169k to €75k.
31-12
Financial
Equity above €150kEq €156k ▲72.3%
3 profitable years in a row build equity to €156k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
15-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 168 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2022
31-12
Financial
Weakest financial yearnet €-4k ▼642%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €680
Net result €680 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 192 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 4.08
Current ratio from 1.91 to 4.08; short-term debt falls from €51k to €22k.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
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, Etterbeek · 1 establishment unit since 2004
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.
Louis Schmidtlaan 1191040 EtterbeekGround area
1,253 m²
Building footprint
333 m²
Volume, LiDAR
7,526 m³
Parcel 21362B0292/00X006, Brussels · tallest building 29.8 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
VILARBEL
since 20042.136.545.952
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0292/00X006 | Brussels | 1,253 m² | 1 · 333 m² | 29.8 m · 9 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.
Similar companies · same sector, comparable size
CAFES DE PAUW
BE 0433.573.271
Sint-Gillis (bij-Brussel) · Eq €156k
LIEGEPICES
BE 0808.129.170
Herstal · Eq €157k
Né me Mé Nieuwpoort
BE 0767.934.746
Roeselare · Eq €156k
HA. SI.
BE 0821.781.327
Courcelles · Eq €155k
HAPPY SNACK
BE 0463.599.919
Oostrozebeke · Eq €155k
Of 2,477 companies in sector 47279 we hold annual accounts for 950. 722 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2004
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
52272
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:02/231.14.05