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VIOBOR

Active
Private limited companyfounded 2011active for 15 yearsRue de l'Infante 250, 1410 Waterloo, BelgiumKBO/BCE: BE 0837.675.370

From the official registers: KBO 13 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of VIOBOR is 1.9% (moderate). The annual accounts of VIOBOR for financial year 2025 show a net loss of 78% of total assets and of 74% of the equity at the start of that year. The 2025 annual accounts show equity of €9,224 and a net result of -€25,817. Equity has been growing by about 5.7% per year since 2018. Its solvency ranks better than 29% of 34,902 sector peers (NACE 43, financial year 2025). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 04-07-2011 Normal situation
Activity
Insulation installation NACE 43230and 3 others
Establishment unit
2.200.501.517 1410 Waterloo, since 04-07-2011
Financial year end
31 December
Peppol
Reachable since 02-06-2026

Board and ownership

Board

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts 2025
Turnover
€7,217
▼ 89.9%
Loss
€25,817
Equity
€9,224
▼ 73.7%
Total assets
€33,310
▼ 63.2%
Filed on 17-07-2026, 14 days before the deadlineat the National Bank
Score breakdownraises riskLoss of €25,817 (financial year 2025)Liquidity: current ratio 1.261 of the last 3 accounts latelowers riskSize: turnover €7,217, total assets €33,310Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 20% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Weak
Solvency 53-11
equity 27.7% of total assets
Liquidity 51+17
short-term debt 49.4%
Profitability 0-86
return on assets -77.5%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,675 companies, NACE 43, micro)
Last 24 months 11-2024: 5.9%highest value 12-2024: 1.2%▼ -4.7 percentage points vs 11-2024 01-2025: 1.1%▼ -0.1 percentage points vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025 07-2025: 1.1%● unchanged vs 06-2025 08-2025: 1.1%● unchanged vs 07-2025 09-2025: 1.1%● unchanged vs 08-2025 10-2025: 1.1%● unchanged vs 09-2025 11-2025: 1.1%● unchanged vs 10-2025 12-2025: 1.1%● unchanged vs 11-2025 01-2026: 1.1%● unchanged vs 12-2025 02-2026: 1.1%● unchanged vs 01-2026 03-2026: 1.1%● unchanged vs 02-2026 04-2026: 1.1%● unchanged vs 03-2026 05-2026: 1.1%● unchanged vs 04-2026 06-2026: 1.0%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 1.0%● unchanged vs 06-2026 08-2026: 1.9%▲ +0.9 percentage points vs 07-2026 09-2026: 1.9%● unchanged vs 08-2026 10-2026: 1.9%● unchanged vs 09-2026
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.26 (1.59 in 2024), below the usual 1.5. Short-term debt is 49.4% of total assets. 72.3% 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 43, micro). It does better than 29% of them on solvency, 45% on liquidity, 4% on profitability and 3% on growth.

The bankruptcy probability was computed on 31-10-2026 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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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: turnover €7,217, total assets €33,310
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 · Loss of €25,817 (financial year 2025)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.26
NBB · annual accounts
raises risk · 1 of the last 3 accounts late
NBB · filings
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
14 days early
2024
7 days early
2023
107 days late
2022
134 days late
2021
17 days late
2020
27 days late
2019
14 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 40 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 August (4 of the last 5 accounts filed within 91 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Turnover fell in 2025from €71,212 to €7,217 ▼ 89.9% View
  • Caution: Lower net result than 94% of companies in specialised constructionsector median €10,227 · 34,889 companies -€25,817 View

Comparable companies

These companies have the same main activity as VIOBOR: insulation installation (NACE 43230). They are comparable in size and age: total assets between €30,600 and €48,900, founded between 2008 and 2014.

CompanyTotal assetsGross margin
VIOBOR Waterloo€33,310-€16,215
DMDC Ottignies-Louvain-la-Neuve€35,894-€7
MAKO ENGINEERING Kraainem€30,554-€740
GYP DESIGN Pelt€42,250-€3,167
MAXIPUR Herentals€31,066€994
ACOUSTICS & NOISEREDUCTION Temse€42,769-€18,640
CTRL GROUP Zwalm€48,860-€2,757
Full comparison

Documents

Annual accounts at the NBB

All 13 annual accounts

Articles and registers

Key facts about VIOBOR

What is the company number of VIOBOR?
The company number of VIOBOR is 0837.675.370. The VAT number is the same number with BE in front: BE 0837.675.370.
Where is VIOBOR based?
The registered office is at Rue de l'Infante 250, 1410 Waterloo.Company details
What does VIOBOR do?
According to the KBO register, the main activity is insulation installation (NACE 43230).
What is the legal form of VIOBOR?
The legal form of VIOBOR is Private limited company (BV).
When was VIOBOR founded?
VIOBOR was founded on 04-07-2011.
Is VIOBOR still active?
Yes, VIOBOR is an active enterprise in the KBO register.
What is the turnover of VIOBOR?
The turnover of VIOBOR was €7,217 in financial year 2025, according to the filed annual accounts.Financials
Is VIOBOR profitable?
In financial year 2025, VIOBOR made a loss of €25,817.
Where can I find the annual accounts of VIOBOR?
VIOBOR filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of VIOBOR due?
VIOBOR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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