VillaVer
ActiveSummary
VillaVer has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €61,707 and a net result of €28,832. Equity is growing by ~35.9% per year across the filed fiscal years. Its solvency ranks better than 17% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability80▲+24
Solvency44▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.02 in 2023; short-term debt: 19.5% and cash: 0.7% of total assets), and 80.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
19.2%
Return on assets
9%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 20782 sector peers (2024).
NBB · sector comparisonPosition among 20782 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-08-2025, 13 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
13 d late
2023
19 d late
2022
23 d late
2021
33 d early
2020
23 d late
2019
42 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 15 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€61,707▲ 87.7%
2023 · €32,875
Total assets
€321,902▲ 7.7%
2023 · €298,900
Net result
€28,832▲ 250%
2023 · €8,242
Working capital
€18,830▲ 1,776%
2023 · €1,004
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€27,236▲ 5,120%€8,526▼ 68.7%€11,546▲ 35.4%€18,856▲ 63.3%€52,918▲ 181%
Net result€16,720within the sector's middle half€1,763below the sector's middle half▼ 89.5%€3,392below the sector's middle half▲ 92.4%€8,242within the sector's middle half▲ 143%€28,832within the sector's middle half▲ 250%
Equity€19,478below the sector's middle half▲ 606%€21,242below the sector's middle half▲ 9.1%€24,634below the sector's middle half▲ 16.0%€32,875within the sector's middle half▲ 33.5%€61,707within the sector's middle half▲ 87.7%
Total assets€304,824above the sector's middle half▼ 4.1%€310,472above the sector's middle half▲ 1.9%€299,554above the sector's middle half▼ 3.5%€298,900above the sector's middle half▼ 0.2%€321,902above the sector's middle half▲ 7.7%
Debt€285,345▼ 9.4%€289,230▲ 1.4%€274,920▼ 4.9%€266,025▼ 3.2%€260,194▼ 2.2%
Working capital€8,173below the sector's middle half▲ 630%€3,454below the sector's middle half▼ 57.7%€245below the sector's middle half▼ 92.9%€1,004below the sector's middle half▲ 310%€18,830within the sector's middle half▲ 1,776%
Solvency6.4%below the sector's middle half▲ 5.5pp6.8%below the sector's middle half▲ 0.5pp8.2%below the sector's middle half▲ 1.4pp11.0%below the sector's middle half▲ 2.8pp19.2%below the sector's middle half▲ 8.2pp
Current ratio1.29below the sector's middle half▲ 0.271.07below the sector's middle half▼ 0.221.01below the sector's middle half▼ 0.071.02below the sector's middle half▲ 0.011.30below the sector's middle half▲ 0.28
Return on assets (ROA)5.5%within the sector's middle half▲ 6.6pp0.6%below the sector's middle half▼ 4.9pp1.1%below the sector's middle half▲ 0.6pp2.8%below the sector's middle half▲ 1.6pp9.0%within the sector's middle half▲ 6.2pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 181% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €321,902
Fixed assets
€240,141 ▼ 2.1%
Current assets
€81,761 ▲ 52.4%
Equity and liabilities €321,902
Equity
€61,707 ▲ 87.7%
Debt
€260,194 ▼ 2.2%
Debt's share of the balance-sheet total falls from 89.0% to 80.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59,899▲
2023 · €26,380
Cash flow
€35,813▲
2023 · €15,766
Debt to equity
4.22▼
2023 · 8.09
ROE
46.7%▲
2023 · 25.1%
Interest coverage
7.70▲
2023 · 4.02
Debt ≤ 1 year
€62,931▲
2023 · €52,648
Debt > 1 year
€197,264▼
2023 · €212,627
Income taxes
€16,313▲
2023 · €4,077
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,713 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,183 | €8,368 | €8,079 | €7,524 | €6,980 | ▼ 7.2% |
| Other operating charges640/8 | - | €1,666 | €1,901 | €2,021 | €3,820 | ▲ 89.0% |
| Gross operating margin9900 | €36,885 | €18,560 | €21,526 | €28,401 | €63,719 | ▲ 124% |
| Operating profit (loss)9901 | €27,236 | €8,526 | €11,546 | €18,856 | €52,918 | ▲ 181% |
| Financial income75/76B | - | - | - | €17 | €6 | ▼ 61.9% |
| Recurring financial income75 | - | - | - | €17 | €6 | ▼ 61.9% |
| Financial charges65/66B | - | €5,863 | €6,121 | €6,554 | €7,779 | ▲ 18.7% |
| Recurring financial charges65 | €6,245 | €5,863 | €6,121 | €6,554 | €7,779 | ▲ 18.7% |
| Profit (loss) for the period before taxes9903 | €20,991 | €2,662 | €5,425 | €12,319 | €45,145 | ▲ 266% |
| Income taxes67/77 | €4,271 | €899 | €2,033 | €4,077 | €16,313 | ▲ 300% |
| Profit (loss) for the period9904 | €16,720 | €1,763 | €3,392 | €8,242 | €28,832 | ▲ 250% |
| Profit (loss) for the period to be appropriated9905 | €16,720 | €1,763 | €3,392 | €8,242 | €28,832 | ▲ 250% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €304,824 | €310,472 | €299,554 | €298,900 | €321,902 | ▲ 7.7% |
| Fixed assets21/28 | €268,720 | €260,852 | €252,773 | €245,249 | €240,141 | ▼ 2.1% |
| Tangible fixed assets22/27 | €268,720 | €260,352 | €252,273 | €244,749 | €239,641 | ▼ 2.1% |
| Land and buildings22 | - | €256,250 | €250,000 | €243,750 | €237,500 | ▼ 2.6% |
| Furniture and vehicles24 | - | €4,102 | €2,273 | €999 | €2,141 | ▲ 114% |
| Financial fixed assets28 | - | €500 | €500 | €500 | €500 | = |
| Current assets29/58 | €36,103 | €49,620 | €46,781 | €53,651 | €81,761 | ▲ 52.4% |
| Amounts receivable within one year40/41 | €20,104 | €28,819 | €40,379 | €49,263 | €78,806 | ▲ 60.0% |
| Trade receivables40 | - | €7,013 | €10,981 | €11,635 | €11,214 | ▼ 3.6% |
| Other amounts receivable41 | - | €21,806 | €29,398 | €37,629 | €67,592 | ▲ 79.6% |
| Cash at bank and in hand54/58 | €14,280 | €18,940 | €4,542 | €3,988 | €2,227 | ▼ 44.2% |
| Deferred charges and accrued income490/1 | - | €1,861 | €1,861 | €400 | €728 | ▲ 82.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €304,824 | €310,472 | €299,554 | €298,900 | €321,902 | ▲ 7.7% |
| Equity10/15 | €19,478 | €21,242 | €24,634 | €32,875 | €61,707 | ▲ 87.7% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €13,278 | €15,042 | €18,434 | €26,675 | €55,507 | ▲ 108% |
| Tax-exempt reserves132 | - | €4,754 | €4,754 | €4,754 | €4,754 | = |
| Distributable reserves133 | - | €10,288 | €13,680 | €21,921 | €50,754 | ▲ 132% |
| Amounts payable17/49 | €285,345 | €289,230 | €274,920 | €266,025 | €260,194 | ▼ 2.2% |
| Amounts payable after more than one year17 | €256,665 | €242,315 | €227,634 | €212,627 | €197,264 | ▼ 7.2% |
| Financial debts170/4 | - | €242,315 | €227,634 | €212,627 | €197,264 | ▼ 7.2% |
| Amounts payable within one year42/48 | €27,930 | €46,165 | €46,536 | €52,648 | €62,931 | ▲ 19.5% |
| Current portion of amounts payable after more than one year42 | - | €14,351 | €14,681 | €15,007 | €15,363 | ▲ 2.4% |
| Financial debts43 | - | - | €2,389 | - | €1,770 | - |
| Credit institutions430/8 | - | - | €2,389 | - | €1,770 | - |
| Trade debts44 | €3,242 | €10,726 | €2,951 | €5,618 | €6,601 | ▲ 17.5% |
| Suppliers440/4 | - | €10,726 | €2,951 | €5,618 | €6,601 | ▲ 17.5% |
| Taxes, remuneration and social security45 | - | €15,569 | €20,996 | €32,022 | €39,196 | ▲ 22.4% |
| Taxes450/3 | - | €15,569 | €20,996 | €32,022 | €39,196 | ▲ 22.4% |
| Other amounts payable47/48 | - | €5,520 | €5,520 | - | - | - |
| Accrued charges and deferred income492/3 | - | €750 | €750 | €750 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,720 | €1,763 | €3,392 | €8,242 | €28,832 | ▲ 250% |
| + Depreciation and write-downs630 | €8,183 | €8,368 | €8,079 | €7,524 | €6,980 | ▼ 7.2% |
| Operating cash flow (approximation) | €24,903 | €10,132 | €11,471 | €15,766 | €35,813 | ▲ 127% |
| Investment in fixed assets (approximation) | - | -€500 | €0 | €0 | -€1,873 | - |
| Change in cash | - | €4,660 | -€14,398 | -€554 | -€1,761 | ▼ 218% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
31-12
Financial
Highest result since 2019net €28,832 ▲250%
Operating result €52,918, net result €28,832, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Back to profitnet €16,720
Net result €16,720 after one loss-making year.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Willebroek · 1 establishment unit since 2018
Ground area
252 m²
Building footprint
98 m²
Volume, LiDAR
622 m³
Parcel 12036C0316/00K000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VillaVer
since 20182.280.413.382
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12036C0316/00K000 | Flanders | 252 m² | 1 · 98 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,913 companies in sector 62100 we hold annual accounts for 8,786. 6,914 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded30-08-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62900Other information technology and computer services
74201Photography, excluding press photography
E-invoicing
Reachable via Peppol
Peppol ID
0208:0701922187
Registered
26-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.