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VILLA-TECHNICS

Active
Private limited companyfounded 20232 yrs activeNeerheide (HEU) 133, 9070 Destelbergen, BelgiumKBO/BCE: BE 1001.428.493
Summary

The computed 12-month bankruptcy probability of VILLA-TECHNICS is 2.1% (moderate). The 2025 annual accounts show equity of €94,276 and a net result of €64,168. Its solvency ranks better than 62% of 8200 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
VILLA-TECHNICSActiveChecked score 56/100
Risk analysis ReportCompare

Overview

What they do
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
How big
€172,371total assets 2025
Equity
€94,276
Profit
€64,168
Turnover not published (abridged schema)
Financially healthy?
56 Fair Checked score 2025
Bankruptcy chance 12 m
2.1%
Who decides
Accounts filed 47 d late0 of 2 deeds read
Why 56- Sector Construction of residential and non-residential buildings (NACE 41)- Founded in 2023- Size: total assets €172,371+ Liquidity: current ratio 2.27, cash €34,345Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 80% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 80+7
equity 54.7% of total assets
Liquidity 64=
short-term debt 27.8% · cash 19.9%
Profitability 100=
return on assets 37.2%
Bankruptcy probability, 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,149 companies)
Last 24 months 11-2024: 3.6% 12-2024: 3.6%● 0.0% vs 11-2024 01-2025: 3.8%▲ +4.2% vs 12-2024 02-2025: 4.1%▲ +7.9% vs 01-2025 03-2025: 4.2%▲ +3.8% vs 02-2025 04-2025: 4.6%▲ +8.7% vs 03-2025 05-2025: 4.6%● 0.0% vs 04-2025 06-2025: 5.0%▲ +9.1% vs 05-2025 07-2025: 4.8%▼ -3.2% vs 06-2025 08-2025: 4.8%▼ -1.0% vs 07-2025 09-2025: 5.1%▲ +7.2% vs 08-2025highest value 10-2025: 2.2%▼ -58.1% vs 09-2025 11-2025: 2.2%▲ +0.4% vs 10-2025 12-2025: 2.2%● 0.0% vs 11-2025 01-2026: 2.1%▼ -2.1% vs 12-2025 02-2026: 2.1%● 0.0% vs 01-2026 03-2026: 2.1%▼ -0.6% vs 02-2026lowest value 04-2026: 2.1%▲ +1.7% vs 03-2026 05-2026: 2.2%▲ +0.2% vs 04-2026 06-2026: 2.1%▼ -1.6% vs 05-2026 07-2026: 2.2%▲ +2.0% vs 06-2026 08-2026: 3.0%▲ +37.1% vs 07-2026 09-2026: 3.2%▲ +8.2% vs 08-2026 10-2026: 2.1%▼ -33.8% vs 09-2026
  • Liquidity: current ratio 2.27, cash €34,345 lowers the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Founded in 2023 raises the probability for this profile
  • Size: total assets €172,371 raises the probability for this profile
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.27 against 1.07 in 2024; short-term debt: 27.8% and cash: 19.9% of total assets), and 45.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 63%, liquidity 69%, profitability 92%, growth against the median 95%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 2.27, cash €34,345
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Founded in 2023
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Size: total assets €172,371
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 2 filings
Deviation from the deadline
2025
47 d late
2024
32 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 40 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

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 months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Liquidity doublescurrent ratio 2.27
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Equity rose in 2025from €30,109 to €94,276 ▲ 213% View
  • Positive: Among the best 9% on net resultsector median €8,346 · 8,193 companies €64,168 View
  • Total assets 20252 fiscal years filed €172,371 View

By topic

Financials

Fiscal year
2025
Total assets
€172,371
Profit
€64,168
Solvency
54.7%
Total assets▲ 174%
Net result
20242025
Go to Financials

Timeline

Events
3
Since
2025
Next accounts
by 31-07-2027
  1. 16-09-2026Annual accounts filed
  2. 31-12-2025Liquidity doubles
  3. 01-09-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
20-10-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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