VILLA INTERNO
ActiveVILLA INTERNO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €296k and a net result of €24k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 27% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-1
Solvency43▲+1
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.72 in 2024; short-term debt: 43.9% and cash: 8.6% of total assets), but 82.4% 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 · 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
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 · 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
17.6%
Return on assets
1.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €296k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
27 d early
2023
57 d early
2022
4 d early
2021
9 d early
2020
17 d early
2019
8 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€296k▲ 9.0%
2024 · €272k
2018: €307k
2019: €310k
2020: €347k
2021: €426k
2022: €222k
2023: €225k
2024: €272k
2018 → 2025
Total assets
€1.69M▲ 4.8%
2024 · €1.61M
2018: €1.37M
2019: €1.32M
2020: €1.55M
2021: €1.56M
2022: €1.58M
2023: €1.50M
2024: €1.61M
2018 → 2025
Net result
€24k▼ 47.7%
2024 · €47k
2018: €25k
2019: €3k
2020: €37k
2021: €79k
2022: €96k
2023: €3k
2024: €47k
2018 → 2025
Working capital
€502k▲ 10.7%
2024 · €454k
2018: €280k
2019: €283k
2020: €400k
2021: €410k
2022: €158k
2023: €422k
2024: €454k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€426k-€222k▼ 47.9%€225k▲ 1.3%€272k▲ 20.7%€296k▲ 9.0%
Operating result€89k-€100k▲ 12.4%€4k▼ 96.4%€67k▲ 1,754%€42k▼ 37.7%
Net result€79k-€96k▲ 20.8%€3k▼ 96.9%€47k▲ 1,469%€24k▼ 47.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.69M
Fixed assets
€444k▼ 15.0%
Current assets
€1.24M▲ 14.3%
Equity and liabilities €1.69M
Equity
€296k▲ 9.0%
Debt
€1.39M▲ 3.9%
The debt ratio falls from 83.1% to 82.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€141k▼
2024 · €163k
Cash flow
€124k▼
2024 · €143k
Solvency
17.6%▲
2024 · 16.9%
Current ratio
1.68▼
2024 · 1.72
Quick ratio
1.18▼
2024 · 1.20
Debt / equity
4.70▼
2024 · 4.92
ROE
8.2%▼
2024 · 17.2%
ROA
1.4%▼
2024 · 2.9%
Interest coverage
5.46▲
2024 · 5.32
Debt
€1.39M▲
2024 · €1.34M
Debt ≤ 1 year
€740k▲
2024 · €633k
Debt > 1 year
€317k▼
2024 · €422k
Income taxes
€22k▼
2024 · €22k
Staff costs
€1.03M▲
2024 · €955k
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€1.61M€1.69M▲
Fixed assets21/28€522k€444k▼
Intangible fixed assets21€100-
Tangible fixed assets22/27€521k€443k▼
Land and buildings22€368k€340k▼
Plant, machinery and equipment23€91k€52k▼
Furniture and vehicles24€62k€51k▼
Financial fixed assets28€500€500=
Current assets29/58€1.09M€1.24M▲
Stocks and contracts in progress3€329k€368k▲
Stocks30/36€316k€356k▲
Contracts in progress37€13k€12k▼
Amounts receivable within one year40/41€531k€704k▲
Trade receivables40€531k€689k▲
Other amounts receivable41-€15k
Cash at bank and in hand54/58€186k€145k▼
Deferred charges and accrued income490/1€41k€26k▼
Equity and liabilities
Total equity and liabilities10/49€1.61M€1.69M▲
Equity10/15€272k€296k▲
Contributions10/11€32k€32k=
Reserves13€150k€150k=
Distributable reserves133€150k€150k=
Profit (loss) carried forward14€90k€114k▲
Amounts payable17/49€1.34M€1.39M▲
Amounts payable after more than one year17€422k€317k▼
Financial debts170/4€422k€317k▼
Amounts payable within one year42/48€633k€740k▲
Current portion of amounts payable after more than one year42€111k€105k▼
Financial debts43-€20k
Credit institutions430/8-€20k
Trade debts44€275k€486k▲
Suppliers440/4€275k€486k▲
Taxes, remuneration and social security45€126k€122k▼
Taxes450/3€40k€67k▲
Remuneration and social security454/9€86k€55k▼
Other amounts payable47/48€121k€6k▼
Accrued charges and deferred income492/3€282k€334k▲
Income statement
Code20242025
Non-recurring operating income76A€42k-
Remuneration, social security and pensions62€955k€1.03M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€96k€99k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€11k€-7k▼
Other operating charges640/8€13k€15k▲
Gross operating margin9900€1.14M€1.18M▲
Operating profit (loss)9901€67k€42k▼
Financial income75/76B€33k€30k▼
Recurring financial income75€33k€30k▼
Financial charges65/66B€31k€26k▼
Recurring financial charges65€31k€26k▼
Profit (loss) for the period before taxes9903€69k€46k▼
Income taxes67/77€22k€22k▼
Profit (loss) for the period9904€47k€24k▼
Profit (loss) for the period to be appropriated9905€47k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€114k▲
Profit (loss) brought forward from the previous period14P€43k€90k▲
Social balance
Average headcount (FTE)908716.116.2▲
The notes to these accounts (20 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €96k ▲20.8%
Operating result €100k, net result €96k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €3k ▼89.5%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kortrijk · 1 establishment unit since 2000
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.
Ringlaan(Heu) 18501 KortrijkGround area
4,546 m²
Building footprint
1,104 m²
Volume, LiDAR
4,904 m³
Parcel 34016B0651/00V000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VILLA INTERNO
since 20002.115.748.162
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016B0651/00V000indicative | Flanders | 4,546 m² | 1 · 1,104 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 77,851 EUR awarded · 77,851 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 8,274 EUR | 8,274 EUR |
| 2024 | 2 | 7,574 EUR | 7,574 EUR |
| 2023 | 3 | 43,291 EUR | 43,291 EUR |
| 2022 | 2 | 18,712 EUR | 18,712 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Recognitions · licences · registrations
Dual-learning approval
6 live approvalsBinnen- en buitenschrijnwerk duaal (so)
Binnenschrijnwerk en interieur duaal (so)
Interieurbouwer duaal (so)
Logistiek duaal (so)
Medewerker hout duaal (so)
Operator CNC-gestuurde houtbewerkingsmachines duaal (so)
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ARTE LIFE
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Of 2,612 companies in sector 47551 we hold annual accounts for 1,719. 1,312 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-1999
Fiscal year end31-12
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
47551Retail sale of household furniture
47591Retail trade
52441
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.