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VILLA TOTEM

Active
Public limited companyfounded 2002active for 23 yearsGrand'Route 141, 7000 Mons, BelgiumKBO/BCE: BE 0479.056.175

The file of VILLA TOTEM contains 2 judicial reorganisation notices, as published in the Belgian Official Gazette.

Summary

The computed 12-month bankruptcy probability is 0.5% (low). The 2025 annual accounts show equity of €145,884 and a net result of -€7,286. Equity has been shrinking by about 6.6% per year since 2019. Its solvency ranks better than 51% of 17,149 sector peers (NACE 68, financial year 2025).

Overview

Official details

Source: KBO
Status
Active since 31-12-2002 Normal situation
Registered office
18 active companies are registered at this address Source: KBO register, as of 4 November 2026.
Activity
Development of residential building projects NACE 68121and 1 other
Establishment unit
2.114.226.846 7000 Mons, since 10-01-2003
Financial year end
31 August
Peppol
Reachable since 27-03-2026

Financial position

79 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Annual accounts to 31-08-2025
Gross margin
€6,476
▼ 65.3%
Turnover
≈ €27,000
estimated
Loss
€7,286
▼ 71.3%
Equity
€145,884
▼ 4.8%
Total assets
€473,477
▼ 0.8%
Staff
≈ 0.1 FTE
estimated
Score breakdownraises riskJudicial reorganisation on record (2 publications, latest 12-02-2021)Liquidity: current ratio 0.24, cash €2,376, halvedlowers riskSize: total assets €473,477Legal form: public limited companyShow the evidence

Checked score

Score 2025
79 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 31% of micro companies in real estate (NACE 68)
Financial strength · tick: 2024
Weak
Solvency 56-1
equity 30.8% of total assets
Liquidity 14-3
short-term debt 69.2% · cash 0.5%
Profitability 34+10
return on assets -1.5%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,630 companies, NACE 68, micro)
Last 24 months 12-2024: 0.8% 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 1.1%▲ +0.3 percentage points vs 02-2025 04-2025: 1.9%▲ +0.8 percentage points vs 03-2025 05-2025: 2.4%▲ +0.5 percentage points vs 04-2025highest value 06-2025: 0.7%▼ -1.7 percentage points vs 05-2025 07-2025: 0.7%● unchanged vs 06-2025 08-2025: 0.7%● unchanged vs 07-2025 09-2025: 0.7%● unchanged vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.8%▲ +0.1 percentage points vs 11-2025 01-2026: 0.5%▼ -0.3 percentage points vs 12-2025lowest value 02-2026: 0.5%● unchanged vs 01-2026lowest value 03-2026: 0.5%● unchanged vs 02-2026lowest value 04-2026: 0.5%● unchanged vs 03-2026lowest value 05-2026: 0.5%● unchanged vs 04-2026lowest value 06-2026: 0.5%● unchanged vs 05-2026lowest value 07-2026: 0.5%● unchanged vs 06-2026lowest value 08-2026: 0.5%● unchanged vs 07-2026lowest value 09-2026: 0.5%● unchanged vs 08-2026lowest value 10-2026: 0.5%● unchanged vs 09-2026 11-2026: 0.5%● unchanged vs 10-2026
Credit of up to €11,000 on 30-day terms, only on tighter conditions: judicial reorganisation (WER Book XX) on file
Liquidity is insufficient, with a current ratio of 0.24 (0.25 in 2024), below 1. Short-term debt is 69.2% and cash 0.5% of total assets. 69.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 50% of them on solvency, 13% on liquidity, 29% on profitability and 34% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Judicial reorganisation on record (2 publications, latest 12-02-2021)
Belgian Official Gazette
lowers risk · Size: total assets €473,477
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.24, cash €2,376, halved
NBB · annual accounts
lowers risk · Legal form: public limited company
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1921232425
2019 to 2025 · latest year -€7,286
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 17-12-2025, 104 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
104 days early
2024
30 days late
2023
46 days early
2021
27 days late
2019
1 day late
2018
153 days late
2017
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 13 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-08-2026 is due by 31-03-2027. Nothing is late today. The company usually files around 2 April (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
31-08-2026 year end04-11-2026 today31-03-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 3 loss-making years in a rowloss in financial year 2025 -€7,286 View

Recent changes

  1. · Judicial reorganisation Plan homologationEnterprise Court of Hainaut · judgment of 08-02-2021
  2. · Judicial reorganisation Judicial reorganisation openedEnterprise Court of Hainaut · collective agreement · judgment of 05-10-2020
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as VILLA TOTEM: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €350,000 and €482,000, founded between 2001 and 2006.

CompanyTotal assetsGross margin
VILLA TOTEM Mons€473,477€6,476
NESTERRA Beernem€435,764€4,177
FINERBEL Antwerpen€481,854€11,206
IMMO - KAAI Nieuwpoort€430,611€10,645
DATABUILD EUROPE Kapellen€424,648€5,074
AB-INVEST Herentals€350,404€7,993
IMMO CARDON C.J.J. Oosterzele€386,168€7,776
Full comparison

Key facts about VILLA TOTEM

What is the company number of VILLA TOTEM?
The company number of VILLA TOTEM is 0479.056.175. The VAT number is the same number with BE in front: BE 0479.056.175.
Where is VILLA TOTEM based?
The registered office is at Grand'Route 141, 7000 Mons.Company details
What does VILLA TOTEM do?
According to the KBO register, the main activity is development of residential building projects (NACE 68121).
What is the legal form of VILLA TOTEM?
The legal form of VILLA TOTEM is Public limited company (NV).
When was VILLA TOTEM founded?
VILLA TOTEM was founded on 31-12-2002.
Is VILLA TOTEM still active?
Yes, VILLA TOTEM is an active enterprise in the KBO register.
What is the turnover of VILLA TOTEM?
The turnover in financial year 2025 is ≈ €27,000. This figure is estimated from the gross margin of €6,476 and 48 comparable companies (NACE 68121). It probably lies between €13,000 and €85,000. It is a rough estimate.Financials
Is VILLA TOTEM profitable?
In financial year 2025, VILLA TOTEM made a loss of €7,286.
Where can I find the annual accounts of VILLA TOTEM?
VILLA TOTEM filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of VILLA TOTEM due?
VILLA TOTEM must file the annual accounts for financial year 2026 by 31-03-2027.Timeline

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