VILOU CONSULTING
ActiveVILOU CONSULTING has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €24k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 1898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-4
Solvency45▲+8
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.46 in 2024; short-term debt: 23.6% and cash: 4.7% of total assets), and 79.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
20.5%
Return on assets
6.7%
Age of the figures
9 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 24% of 1898 sector peers (2025).
NBB · sector comparisonPosition among 1898 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
9 d early
2023
on the day
2022
4 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€74k▲ 49.0%
2024 · €50k
2022: €71k
2023: €97k
2024: €50k
2022 → 2025
Total assets
€363k▼ 9.5%
2024 · €401k
2022: €458k
2023: €416k
2024: €401k
2022 → 2025
Net result
€24k▼ 38.1%
2024 · €40k
2022: €6k
2023: €26k
2024: €40k
2022 → 2025
Working capital
€-35k▲ 52.2%
2024 · €-72k
2022: €-40k
2023: €-25k
2024: €-72k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€71k-€97k▲ 36.9%€50k▼ 48.5%€74k▲ 49.0%
Operating result€11k-€48k▲ 341%€54k▲ 10.4%€49k▼ 8.1%
Net result€6k-€26k▲ 311%€40k▲ 51.1%€24k▼ 38.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €363k
Fixed assets
€312k▼ 8.2%
Current assets
€51k▼ 16.8%
Equity and liabilities €363k
Equity
€74k▲ 49.0%
Debt
€289k▼ 17.8%
The debt ratio falls from 87.5% to 79.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▼
2024 · €80k
Cash flow
€52k▼
2024 · €66k
Solvency
20.5%▲
2024 · 12.5%
Current ratio
0.60▲
2024 · 0.46
Quick ratio
0.60▲
2024 · 0.46
Debt / equity
3.88▼
2024 · 7.03
ROE
32.9%▼
2024 · 79.1%
ROA
6.7%▼
2024 · 9.8%
Interest coverage
7.23▼
2024 · 7.60
Debt
€289k▼
2024 · €351k
Debt ≤ 1 year
€86k▼
2024 · €134k
Debt > 1 year
€203k▼
2024 · €218k
Income taxes
€14k▲
2024 · €11k
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€401k€363k▼
Fixed assets21/28€340k€312k▼
Tangible fixed assets22/27€340k€312k▼
Land and buildings22€329k€310k▼
Plant, machinery and equipment23€467€311▼
Furniture and vehicles24€10k€2k▼
Current assets29/58€61k€51k▼
Amounts receivable within one year40/41€23k€34k▲
Trade receivables40€22k€33k▲
Other amounts receivable41€304€616▲
Cash at bank and in hand54/58€37k€17k▼
Deferred charges and accrued income490/1€1k€226▼
Equity and liabilities
Total equity and liabilities10/49€401k€363k▼
Equity10/15€50k€74k▲
Contributions10/11€50k€50k=
Reserves13-€24k
Distributable reserves133-€24k
Amounts payable17/49€351k€289k▼
Amounts payable after more than one year17€218k€203k▼
Financial debts170/4€218k€203k▼
Amounts payable within one year42/48€134k€86k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€12k€11k▼
Suppliers440/4€12k€11k▼
Taxes, remuneration and social security45€37k€36k▼
Taxes450/3€37k€34k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€69k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€28k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€12k
Other operating charges640/8€2k€2k▲
Gross operating margin9900€82k€92k▲
Operating profit (loss)9901€54k€49k▼
Financial income75/76B€8k€322▼
Recurring financial income75€180€322▲
Non-recurring financial income76B€8k-
Financial charges65/66B€11k€11k▲
Recurring financial charges65€11k€11k▲
Profit (loss) for the period before taxes9903€51k€39k▼
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€40k€24k▼
Profit (loss) for the period to be appropriated9905€40k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€24k▼
Transfer from equity791/2€47k-
Transfer to equity691/2-€24k
To other reserves6921-€24k
Profit to be distributed694/7€87k-
Return on contributions (dividend)694€87k-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €40k ▲51.1%
Operating result €54k, net result €40k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brugge · 2 establishment units since 2018
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.
Kleine Moerstraat 358000 BruggeGround area
4,887 m²
Building footprint
859 m²
Volume, LiDAR
1,617 m³
2 parcels, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
VILOU CONSULTING
since 20182.278.158.331
VILOU CONSULTING
since 20222.338.375.337
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35382B0032/00H007 | Flanders | 3,431 m² | 1 · 687 m² | 8.1 m |
| 31423A0036/02F000 | Flanders | 1,456 m² | 1 · 172 m² | 6.4 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
LOJEM
BE 0819.681.276
Dalhem · Eq €75k
3SIGN
BE 0551.954.942
Gent · Eq €75k
GEXIMMO
BE 0459.225.516
Lasne · Eq €75k
WORXITY
BE 0736.672.636
Gent · Eq €74k
Cosmonov
BE 1002.209.245
Beveren-Kruibeke-Zwijndrecht · Eq €74k
Of 2,726 companies in sector 63100 we hold annual accounts for 1,272. 977 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2018
Fiscal year end31-12
Activities, NACEBEL
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
55100Hotels and similar accommodation
55204Guest rooms (bed and breakfast)
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.