Turnover
≈ €110,000 estimated
The micro format states no turnover.
VIPY Construct
Overview
Lifetime
1 annual account with figurespeak €14,057 (2025)
€14,057
peak €10,186 (2025)
€10,186
peak €10,186 (2025)
€10,186
€43,693
Board1 name since 2024
1 directorNUNES FERREIRA Alex
Documentsfilings and deeds
21-08-202621 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€43,693 81% of the balance sheet
Suppliers 90%Taxes and wages 10%
Starting capital
€1,000 1,000 shares
2025 accounts filed 21 days after the deadline
Checked score
50
Fair
Financially stronger than 41% of micro companies in building services and landscaping (NACE 81)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,709 companies (NACE 81, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 3.4%
09-2025: 3.5%▲ +0.1 percentage points vs 08-2025
10-2025: 3.5%● unchanged vs 09-2025
11-2025: 4.1%▲ +0.6 percentage points vs 10-2025
12-2025: 4.3%▲ +0.2 percentage points vs 11-2025
01-2026: 4.8%▲ +0.5 percentage points vs 12-2025
02-2026: 5.3%▲ +0.5 percentage points vs 01-2026
03-2026: 5.3%● unchanged vs 02-2026
04-2026: 5.2%▼ -0.1 percentage points vs 03-2026
05-2026: 5.2%● unchanged vs 04-2026
06-2026: 5.6%▲ +0.4 percentage points vs 05-2026
07-2026: 5.8%▲ +0.2 percentage points vs 06-2026
08-2026: 5.8%● unchanged vs 07-2026highest value
09-2026: 3.3%▼ -2.5 percentage points vs 08-2026lowest value
10-2026: 3.3%● unchanged vs 09-2026lowest value
11-2026: 3.3%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
No registered site in the KBO
Size: total assets €53,879
lowers risk
Liquidity: current ratio 1.19, cash €9,679
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 81, micro). It does better than 26% of them on solvency, 19% on liquidity and 77% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 7,976 companies had the same profile as VIPY Construct has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of VIPY Construct itself: 3.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for VIPY Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.19, below the usual 1.5. Short-term debt is 81.1% and cash 18% of total assets. 81.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
21 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1011652986
Incorporation
Founding capital of €1,000, 1,000 shares · Founder: NUNES FERREIRA · Appointment: NUNES FERREIRA Alex (director) · published on 19-07-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VIPY Construct Brussels | €53,879 | €14,057 | 18.9% | - |
| AS FAST CLEAN Woluwe-Saint-Lambert | €52,001 | €13,871 | 51.0% | - |
| DS CLEAN ENTREPRISE Berchem-Sainte-Agathe | €58,300 | €12,210 | 4.7% | - |
| AC INDUSTRIES Namur | €57,981 | €18,047 | 74.9% | - |
| MCR CLEANING Uccle | €39,793 | €16,178 | 59.8% | - |
| SANPI SERVICES Schaerbeek | €46,391 | €21,761 | 65.5% | - |
| AD EXPRESS GROUP Molenbeek-Saint-Jean | €38,674 | €17,191 | 32.9% | - |
These companies have the same main activity as VIPY Construct: general cleaning of buildings (NACE 81210). They are comparable in size and age: total assets between €38,700 and €58,300, founded in 2024.
Official details
Source: KBO- Status
- Active since 17-07-2024Normal situation
- Activity
- General cleaning of buildingsNACE 81210and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 22-01-2026
Insights on VIPY Construct
The computed 12-month bankruptcy probability of VIPY Construct is 3.3% (moderate). The 2025 annual accounts show equity of €10,186 and a net result of €10,186.
Its solvency ranks better than 27% of 5,725 sector peers (NACE 81, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 21-08-2026, 21 days late€14,057
€13,523
€10,186
€8,298
18.9%
1.19
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €110,000. Estimated: probably between €48,000 and €230,000.
Balance sheet
balance sheet total €53,879 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
18.9%
Higher than 27% of 5,725 companies in 2025.
1.19
Higher than 38% of 5,586 companies in 2025.
18.9%
Higher than 75% of 5,612 companies in 2025.
VIPY Construct
Middle half of the sector
80% of the sector
Micro accounts in building services and landscaping (NACE 81)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
53,879 | |
21/28 |
1,888 | |
22/27 |
1,888 | |
24 |
1,888 | |
29/58 |
51,992 | |
40/41 |
42,313 | |
40 |
37,361 | |
41 |
4,951 | |
54/58 |
9,679 | |
| Balance sheet: equity and liabilities | ||
10/49 |
53,879 | |
10/15 |
10,186 | |
14 |
10,186 | |
17/49 |
43,693 | |
42/48 |
43,693 | |
44 |
39,217 | |
440/4 |
39,217 | |
45 |
4,476 | |
450/3 |
4,476 | |
| Income statement | ||
9900 |
14,057 | |
630 |
533 | |
9901 |
13,523 | |
75/76B |
261 | |
75 |
261 | |
65/66B |
143 | |
65 |
143 | |
9903 |
13,641 | |
67/77 |
3,455 | |
9904 |
10,186 | |
9905 |
10,186 | |
| Appropriation of the result | ||
9906 |
10,186 | |
| Document | ||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 21-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 21 days after the deadline. Filed on 21 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00423542.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 21-08-2026 | 2026-00423542 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 14,057 | ||
| 10,720 | ||
| 2,421 | ||
| 8,298 | ||
| 18.9% | ||
| 1.19 | ||
| 4.29 | ||
| 100.0% | ||
| 18.9% | ||
| 98.16 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €2,421 |
| €533 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on VIPY Construct
Debt's share of the balance-sheet total is 81.1%.
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 13 : Représentation de la société L’administrateur (chacun des administrateurs) représente la société à l'égard des tiers et en…”deed of 19-07-2024
Mandates through the years
1 name, the dashed line is todayNUNES FERREIRA Alex
Director
Director
Board
Mandates as a list
- NUNES FERREIRA Alex
- Director, appointed by deed of 19-07-2024, still in office
Control
Founder
NUNES FERREIRA
This company
VIPY Construct
Equity €10,186
Profit €10,186 in 2025
Capital
- Contribution
- €1,000
- Shares
- 1,000
- Contribution per share
- €1
- Equity per share
- €10.19 in 2025
- Source
- deed of 19-07-2024
Articles of association
deed of 19-07-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 1,000 shares
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreur(s) proportionnellement actions acquises,frais procédure et expertise”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of May at 17:00
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Pouvoirs,émoluments et mode de liquidation conformément au Code, assemblée générale des actionnaires désigne liquidateurs”
Shareholders
At incorporation
deed of 19-07-2024 ↗
- NUNES FERREIRA 1,000 shares (100%) · €1,000 in cash
Network & group
No group
VIPY Construct has no parent and no holdings in its annual accounts. NUNES FERREIRA Alex is the only director. VIPY Construct shares no director with another company.
At the same address
Baljuwstraat 2, 1000 Brussels · 3 other companies| Patriver
registered office since 28-08-1997 · founded in 1984 |
total assets €3.8m (2025) 0427.895.902 |
| MOBYP
establishment since 01-07-2016 · founded in 2011 |
13 FTE (2025) 0833.316.706 |
| Winterwerp Legal
registered office since 07-04-2026 |
founded in 2026 1036.589.312 |
Timeline
Timeline
3 events since 2024Filings
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 21 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1011652986
2024
IncorporationFounding capital of €1,000, 1,000 shares · Founder: NUNES FERREIRA · Appointment: NUNES FERREIRA Alex (director) · published on 19-07-20244 points ▸
- Founder, NUNES FERREIRA
- Founding capital, €1,000, 1,000 shares
- Registered office clause, Rue du Bailli 2bte0051000Bruxelles
- Director appointment, NUNES FERREIRA Alex
- The deed holds 7 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1011.652.986
- VAT number
- BE 1011.652.986
- Peppol ID
- 0208:1011652986
- Other Peppol ID
- 9925:BE1011652986
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 17-07-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of May at 17:00deed of 19-07-2024 (in French)
- Peppol
- Reachable since 22-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- VIPY Construct in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 19-07-2024 (in French)
- Name clauseThe company operates under this name according to its articles.
- VIPY Constructdeed of 19-07-2024 (in French)
Activities
NACEBEL 202581210
General cleaning of buildings main activity
Codes under NACEBEL 2008
81210
General cleaning of buildings main activity
81220
Other building cleaning and industrial cleaning
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’entreprisedenettoyageetdedésinfectiondemaisonsetdelocaux,entretiendesurface,entretienetrestaurationdemeubles,ameublementetobjetsdivers…”deed of 19-07-2024 (in French)
23 activities
- L’entreprisedenettoyageetdedésinfectiondemaisonsetdelocaux,entretiendesurface,entretienetrestaurationdemeubles,ameublementetobjetsdivers
- L’entreprisedelavagedevitres
- Autresactivitésdenettoyagedesbâtiments;nettoyageindustriel
- Lenettoyageextérieurdebâtimentsdetoustypes,ycomprislesbureaux,lesusines,lesmagasins,leslocauxdinstitutions,lesautreslocauxàusagecommercialetprofessionneletlesimmeublesàappartements
- Lesactivitésdenettoyagespécialisédebâtiments,tellesquelenettoyagedesvitres,leramonagedescheminéesetlenettoyagedesâtres,desfourneaux,desincinérateurs,deschaudières,desgainesdeventilationetdesdispositifsdévacuationdesfumées
- Lenettoyagedemachinesindustrielles
- Autresactivitésdenettoyagedesbâtimentsetdenettoyageindustriel
- L’entreprisedubâtiment(immeublesdhabitation,industrielsoucommerciaux),sanslimitationdactivité,cellesquiseraientréglementéesetdébutantàpartirdesagréations,ycomprisl’entreprisegénérale
- Laconstruction,latransformation,lachèvement,laménagement,laréparation,lentretien,lenettoyage,leferraillagedubétonletraitementetladémolitiondimmeublesainsiquetoutesopérationscomportantàlafoislafournituredunbienmeubleetsonplacementdansunimmeubledetellemanièrequecebienmeubledevienneimmeubleparnature
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- Lafabrication,lachat,laventeengrosoudétailetlacommercialisationengénéraldesmatérielsnécessairesàlaconstructionouàlarénovationdimmeubles
- Lactivitédintermédiairedanstellesopérations
- L’entreprisedinstallationdéchafaudages,derejointoiementetdenettoyagedefa Are you a robot? Yes, I am Muse Spark, a friendly AI Assistant. How can I help you today?çades
- Toutesactivitésenrapportaveclamanutentionetledéménagement
- Lesactivitésrelativesauxpromoteursimmobilierscest-à-dire,lachat,laconstruction,lalocation,laventedimmeublesoudeterrainsbâtisounonbâtis
- Lagéranceetladministrationdetoutesconstructionsprivées,commerciale,industrielleoupublique
- Elle pourra effectuer les opérations relatives à un bureau d’études chargé notamment de l’organisation d’espaces de bureaux,industrielsoucommerciaux
- L’achatetlareventedeproduitsetarticlesdedécorations,l’achatetlareventedemobilierdaménagementpourbureau,commerce,industrie,habitation
- L’entretienetlacréationdeparcs,dejardins,despacesvertsainsiqueladésinfectionetladératisation
Registered office and establishments
| Baljuwstraat 2 registered office 1000 Brussels |
Buildings and parcels at the address
- Ground area
- 370 m²
- Buildings
- 372 m²
- Volume, LiDAR
- 7,809 m³
- Tallest building
- 30.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21807G0120/00R004 | 370 m² | 1 · 372 m² | 30.6 m · 6 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1011.652.986