Skip to content

VIMA

Active
Private limited companyfounded 20233 yrs activeVosken(LUB) 18A, 3210 Lubbeek, BelgiumKBO/BCE: BE 0804.740.407
Summary

VIMA has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17,009 and a net result of €14,009. The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Activity
Activity not known1 site
Size
€962,573total assets 2025
Equity
€17,009
Profit
€14,009
Turnover not published (abridged schema)
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts 19 d early0 of 1 deed read
Why 85- Founded in 2023- Equity €17,009 (1.8% of total assets)+ Size: total assets €962,573+ No main activity registeredShow the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 32% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency 27
equity 1.8% of total assets
Liquidity 59
short-term debt 9.5% · cash 7.1%
Profitability 33
return on assets 1.5%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 2.5% 12-2024: 3.1%▲ +21.6% vs 11-2024 01-2025: 3.1%▲ +0.7% vs 12-2024 02-2025: 3.4%▲ +9.5% vs 01-2025 03-2025: 3.6%▲ +6.2% vs 02-2025 04-2025: 3.6%▼ -0.5% vs 03-2025 05-2025: 3.5%▼ -2.1% vs 04-2025 06-2025: 3.5%● +0.0% vs 05-2025 07-2025: 3.9%▲ +10.9% vs 06-2025 08-2025: 3.9%▼ -0.4% vs 07-2025 09-2025: 4.6%▲ +19.1% vs 08-2025highest value 10-2025: 4.6%● 0.0% vs 09-2025highest value 11-2025: 4.6%● 0.0% vs 10-2025highest value 12-2025: 4.6%● 0.0% vs 11-2025highest value 01-2026: 0.2%▼ -95.0% vs 12-2025 02-2026: 0.2%▼ -1.7% vs 01-2026 03-2026: 0.2%▼ -5.3% vs 02-2026 04-2026: 0.2%▼ -0.5% vs 03-2026 05-2026: 0.2%▼ -9.8% vs 04-2026 06-2026: 0.2%▼ -1.0% vs 05-2026lowest value 07-2026: 0.2%▲ +4.7% vs 06-2026 08-2026: 0.2%▲ +2.0% vs 07-2026 09-2026: 0.2%▼ -3.9% vs 08-2026 10-2026: 0.2%▲ +14.2% vs 09-2026
  • Size: total assets €962,573 lowers the probability for this profile
  • No main activity registered lowers the probability
  • Founded in 2023 raises the probability for this profile
  • Equity €17,009 (1.8% of total assets) raises the probability
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 10.17; short-term debt: 9.5% and cash: 7.1% of total assets), but 98.2% 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 (no NACE code, micro). Better than this share of them on solvency 17%, liquidity 56%, profitability 23%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €962,573
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · No main activity registered
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Founded in 2023
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Equity €17,009 (1.8% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 12-12-2025, 19 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
19 d early
← before the deadline after the deadline →
Checked, nothing found (1)
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 · abbreviated…

Financials · fiscal year 2025, abbreviated schema

Equity
€17,009
Total assets
€962,573
Net result
€14,009
Working capital
€835,685

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €962,573
Fixed assets €35,745
Current assets €926,828
Equity and liabilities €962,573
Equity €17,009
Debt €945,564
Debt finances 98.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€81,708
Cash flow
€22,264
Current ratio
10.17
Quick ratio
0.77
Debt to equity
55.59
ROE
82.4%
ROA
1.5%
Interest coverage
1.51
Debt ≤ 1 year
€91,143
Debt > 1 year
€851,751
Income taxes
€5,482

Peer companies

Historical observation

Of the 1,514 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 96% are still going.

  • Small
  • 2 to 5 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
2.4% went bankrupt
1.5% stopped otherwise
96% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.2% 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 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.8%
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 1,514 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
Filed annual accounts As filed with the NBB · 2025 · 38 lines
Balance sheet Code2025
Assets
Total assets20/58€962,573
Fixed assets21/28€35,745
Tangible fixed assets22/27€35,745
Furniture and vehicles24€35,745
Current assets29/58€926,828
Stocks and contracts in progress3€857,037
Stocks30/36€857,037
Cash at bank and in hand54/58€68,728
Deferred charges and accrued income490/1€1,063
Equity and liabilities
Total equity and liabilities10/49€962,573
Equity10/15€17,009
Contributions10/11€3,000
Reserves13€14,009
Distributable reserves133€14,009
Amounts payable17/49€945,564
Amounts payable after more than one year17€851,751
Financial debts170/4€851,751
Amounts payable within one year42/48€91,143
Current portion of amounts payable after more than one year42€10,527
Trade debts44€36,109
Suppliers440/4€36,109
Taxes, remuneration and social security45€5,482
Taxes450/3€5,482
Other amounts payable47/48€39,025
Accrued charges and deferred income492/3€2,670
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,255
Other operating charges640/8€7,184
Gross operating margin9900€88,892
Operating profit (loss)9901€73,453
Financial charges65/66B€53,962
Recurring financial charges65€53,962
Profit (loss) for the period before taxes9903€19,491
Income taxes67/77€5,482
Profit (loss) for the period9904€14,009
Profit (loss) for the period to be appropriated9905€14,009
Appropriation of the result
Profit (loss) to be appropriated9906€14,009
Transfer to equity691/2€14,009
To other reserves6921€14,009

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,255
Other operating charges640/8€7,184
Gross operating margin9900€88,892
Operating profit (loss)9901€73,453
Financial charges65/66B€53,962
Recurring financial charges65€53,962
Profit (loss) for the period before taxes9903€19,491
Income taxes67/77€5,482
Profit (loss) for the period9904€14,009
Profit (loss) for the period to be appropriated9905€14,009
Line2025
Assets
Total assets20/58€962,573
Fixed assets21/28€35,745
Tangible fixed assets22/27€35,745
Furniture and vehicles24€35,745
Current assets29/58€926,828
Stocks and contracts in progress3€857,037
Stocks30/36€857,037
Cash at bank and in hand54/58€68,728
Deferred charges and accrued income490/1€1,063
Equity and liabilities
Total equity and liabilities10/49€962,573
Equity10/15€17,009
Contributions10/11€3,000
Reserves13€14,009
Distributable reserves133€14,009
Amounts payable17/49€945,564
Amounts payable after more than one year17€851,751
Financial debts170/4€851,751
Amounts payable within one year42/48€91,143
Current portion of amounts payable after more than one year42€10,527
Trade debts44€36,109
Suppliers440/4€36,109
Taxes, remuneration and social security45€5,482
Taxes450/3€5,482
Other amounts payable47/48€39,025
Accrued charges and deferred income492/3€2,670
Line2025
Profit (loss) for the period9904€14,009
+ Depreciation and write-downs630€8,255
Operating cash flow (approximation)€22,264

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the function holders in the CBE →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 10 August 2023, VIMA was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Acts, filings and financial milestones

2025
12-12
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded10-08-2023
Fiscal year end31-05
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 4 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Lubbeek · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
1,502 m²
Building footprint
171 m²
Volume, LiDAR
1 m³
Parcel 24066A0205/00T008, Flanders · tallest building 0.3 m. Linked by address, not a title deed.
1 establishment unit
VIMA
Vosken(LUB) 18A, 3210 LubbeekReal estate activities
since 2023unit no. 2.349.683.557
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24066A0205/00T008 Flanders 1,502 m² 1 · 171 m² 0.3 m
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.