Equity
€33,902 from €171,009 in 2023
Equity fell by 80% in 2 years.
V&VIMMO
Lifetime
15 annual accounts with figures on one time axispeak €1.1m (2023)
-€694▼ €831,828
lowest -€70,167 (2016)
-€65,333▼ €143,560
peak €171,009 (2023)
€33,902▼ 65.8%
€369,485▼ 8.8%
peak 15.4 FTE (2023)
0.3 FTE▼ 98.1%
Board2 names since 2010
1 directorM.A.C.J.
Documentsfilings and deeds
13-08-202613 days late
2025abbreviated format
Gross margin from €831,134 to -€694Loss of €65,333Staff from 15.4 FTE to 0.3 FTEResignation: Detro Pierre-Yves (director) 11-02Equity from €99,235 to €33,902Investments €113,772
Key points
from the 2025 annual accountsResult
-€65,333 -€65,333
From profit to loss in 2025, after a profit of €78,227 in 2024.
Debts
€369,485 92% of the balance sheet
Financial debts 87%Suppliers 2%Taxes and wages 4%Other 7%
Of this, €44,288 falls due within a year.
Staff
0.3 FTE from 15.4 in 2023
Between 2023 and 2025, 98% of the full-time equivalents disappeared. Contribution of a branch of activity to BATI-SOLUTIONS, effective 04-09-2024.
Filings
15 annual accounts since 2011
Eight of the last ten came late. The 2017 accounts came latest: 70 days after the end of the period.
Position in the sector
-€65,333
Lower net result than 95% of companies in specialised construction. Sector median €26,691 · 9,959 companies.
Staff (FTE) -98%: branch of activity transferred
Checked score
53
Fair
Financially stronger than 21% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.9%▲ +0.2 percentage points vs 06-2025
08-2025: 1.4%▲ +0.5 percentage points vs 07-2025
09-2025: 1.8%▲ +0.4 percentage points vs 08-2025highest value
10-2025: 0.2%▼ -1.6 percentage points vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026lowest value
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 1.7%▲ +1.3 percentage points vs 08-2026
10-2026: 1.7%● unchanged vs 09-2026
11-2026: 1.7%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Loss of €65,333 (financial year 2025)
Equity €33,902 (8.4% of total assets)
Sector: Specialised construction activities (NACE 43)
lowers risk
Size: 0.3 FTE, total assets €403,387
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 13% of them on solvency, 62% on liquidity, 4% on profitability and 7% on growth.
The bankruptcy probability was computed on 08-11-2026 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, 642 companies had the same profile as V&VIMMO has now. Each dot stands for 2 companies, two years later.
89.9%
were still trading
5.5%
stopped another way
3.6%
went bankrupt
Another 1.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of V&VIMMO itself: 1.7% 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 642 companies, not a prediction for V&VIMMO. 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 €1,500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is ample, with a current ratio of 1.73 (4.48 in 2024), above the usual 1.5. Short-term debt is 11% and cash 11.1% of total assets. However, 91.6% 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
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 9967 sector peers (2025).
NBB · sector comparisonPosition among 9967 sector peers
Solvency
better than 11%
← weakest
strongest →
raises risk · 2025 accounts filed 13 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 10 filingsDeviation from the deadline
2025
13 days late
2024
29 days late
2023
20 days early
2022
12 days early
2021
11 days late
2020
12 days late
2019
41 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 11 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 11 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0831152913
Resignation: Detro Pierre-Yves (director)
Appointment: M.A.C.J (director) · Gazette deed
Transfer: Vis & Versants Toitures transfers a branch of activity to BATI-SOLUTIONS
Company renamed to V&VIMMO · New name: V&VIMMO · General meeting of 18-10-2024 · Gazette deed
Transfer: Vis & Versants Toitures transfers a branch of activity to Bati-Solutions
Board meeting of 04-09-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| V&VIMMO Visé | €403,387 | -€694 | 8.4% | 0.3 |
| V.N.H. CONSTRUCT Wielsbeke | €434,599 | -€51,960 | 99.1% | 0 |
| ENTREPRISES EMMANUEL LIEGEOIS Herve | €729,942 | -€24,698 | 99.9% | 0 |
| MIERMANS JOHNNY Riemst | €424,625 | -€10,486 | 95.1% | - |
| MILENNIUM Ghent | €341,470 | -€18,202 | 33.9% | - |
| Johan Van Obbergen Leuven | €497,109 | -€26,335 | 15.2% | - |
| DERMAUT CHRIS Zwevegem | €546,604 | -€25,395 | 52.7% | - |
These companies have the same main activity as V&VIMMO: roofing work (NACE 43410). They are comparable in size and age: total assets between €341,000 and €730,000, founded between 1999 and 2010.
Official details
Source: KBO- Status
- Active since 17-11-2010Normal situation
- Activity
- Roofing workNACE 43410and 2 others
- Establishment unit
- 2.193.793.5704600 Visé, since 17-11-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 28-11-2025
Insights on V&VIMMO
V&VIMMO files the abbreviated format. That format states no turnover. The gross margin fell from €61,364 in 2011 to -€694 in 2025.
The balance sheet grew most from 2013 to 2015 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about V&VIMMO
- What is the company number of V&VIMMO?
- The company number of V&VIMMO is 0831.152.913. The VAT number is the same number with BE in front: BE 0831.152.913.
- Where is V&VIMMO based?
- The registered office is at Rue des Hauteurs 1, 4600 Visé.Company details
- What does V&VIMMO do?
- According to the KBO register, the main activity is roofing work (NACE 43410).
- What is the legal form of V&VIMMO?
- V&VIMMO is a private limited company (BV).
- When was V&VIMMO founded?
- V&VIMMO was founded on 17-11-2010.
- Is V&VIMMO still active?
- Yes, V&VIMMO is an active enterprise in the KBO register.
- How many employees does V&VIMMO have?
- V&VIMMO had an average of 0.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of V&VIMMO?
- The annual accounts for financial year 2025 state no turnover.
- Is V&VIMMO profitable?
- In financial year 2025, V&VIMMO made a loss of €65,333.
- Where can I find the annual accounts of V&VIMMO?
- V&VIMMO filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of V&VIMMO due?
- V&VIMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.