VINA
ActiveSummary
VINA has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €535k and a net result of €76k. Equity is growing by ~14.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+4
Solvency90▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.07 in 2024; short-term debt: 29.7% and cash: 0.5% of total assets), and 35.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
64.6%
Return on assets
9.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
15 d early
2023
26 d early
2022
34 d early
2021
31 d early
2020
38 d early
2019
30 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€535k▲ 16.5%
2024 · €459k
2018: €214k
2019: €230k
2020: €261k
2021: €324k
2022: €389k
2023: €411k
2024: €459k
2018 → 2025
Total assets
€828k▲ 4.7%
2024 · €791k
2018: €691k
2019: €702k
2020: €777k
2021: €767k
2022: €731k
2023: €732k
2024: €791k
2018 → 2025
Net result
€76k▲ 58.0%
2024 · €48k
2018: €20k
2019: €41k
2020: €41k
2021: €64k
2022: €64k
2023: €53k
2024: €48k
2018 → 2025
Working capital
€-231k▼ 6.1%
2024 · €-217k
2018: €-55k
2019: €-67k
2020: €-130k
2021: €-87k
2022: €-128k
2023: €-160k
2024: €-217k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€324k-€389k▲ 19.7%€411k▲ 5.8%€459k▲ 11.6%€535k▲ 16.5%
Operating result€99k-€103k▲ 4.2%€84k▼ 18.5%€76k▼ 9.4%€116k▲ 52.4%
Net result€64k-€64k▲ 0.4%€53k▼ 17.8%€48k▼ 9.1%€76k▲ 58.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €828k
Fixed assets
€813k ▲ 4.9%
Current assets
€15k ▼ 6.4%
Equity and liabilities €828k
Equity
€535k ▲ 16.5%
Debt
€293k ▼ 11.7%
Debt's share of the balance-sheet total falls from 41.9% to 35.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€147k▲
2024 · €102k
Cash flow
€106k▲
2024 · €73k
Current ratio
0.06▼
2024 · 0.07
Debt to equity
0.55▼
2024 · 0.72
ROE
14.1%▲
2024 · 10.4%
ROA
9.1%▲
2024 · 6.1%
Interest coverage
32.73▲
2024 · 16.99
Debt ≤ 1 year
€246k▲
2024 · €233k
Debt > 1 year
€46k▼
2024 · €98k
Income taxes
€36k▲
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€791k€828k▲
Fixed assets21/28€775k€813k▲
Tangible fixed assets22/27€775k€813k▲
Land and buildings22€728k€753k▲
Other tangible fixed assets26€46k€59k▲
Assets under construction and advance payments27€474-
Current assets29/58€16k€15k▼
Amounts receivable within one year40/41€3k€2k▼
Other amounts receivable41€3k€2k▼
Current investments50/53€19€27▲
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€7k€9k▲
Equity and liabilities
Total equity and liabilities10/49€791k€828k▲
Equity10/15€459k€535k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€397k€473k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€391k€467k▲
Amounts payable17/49€332k€293k▼
Amounts payable after more than one year17€98k€46k▼
Financial debts170/4€77k€25k▼
Other amounts payable178/9€21k€21k▼
Amounts payable within one year42/48€233k€246k▲
Current portion of amounts payable after more than one year42€75k€77k▲
Trade debts44€106k€3k▼
Suppliers440/4€106k€3k▼
Taxes, remuneration and social security45-€11k
Taxes450/3-€11k
Other amounts payable47/48€52k€154k▲
Accrued charges and deferred income492/3-€853
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€30k▲
Other operating charges640/8€25k€27k▲
Gross operating margin9900€127k€174k▲
Operating profit (loss)9901€76k€116k▲
Financial income75/76B€15€3▼
Recurring financial income75€15€3▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€70k€112k▲
Income taxes67/77€23k€36k▲
Profit (loss) for the period9904€48k€76k▲
Profit (loss) for the period to be appropriated9905€48k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€76k▲
Transfer to equity691/2€48k€76k▲
To other reserves6921€48k€76k▲
The notes to these accounts (7 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €76k ▲58%
Operating result €116k, net result €76k, both a record.
31-12
Financial
Equity above €500kEq €535k ▲16.5%
8 profitable years in a row build equity to €535k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Stoumont · 1 establishment unit since 1988
Ground area
2,916 m²
Building footprint
155 m²
Volume, LiDAR
1,073 m³
2 parcels, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
VILLAGE DE NABONRUY
since 19882.040.589.592
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63042B0309/00R000 | Wallonia | 1,846 m² | 1 · 155 m² | 9.7 m · 2 fl. |
| 63042A0598/00C000 | Wallonia | 1,069 m² | - | - |
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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-11-1987
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.