VK interior construction
ActiveSummary
The computed 12-month bankruptcy probability of VK interior construction is 1.9% (moderate). The 2025 annual accounts show equity of €121,527 and a net result of €20,994. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 28281 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability80▲+7
Solvency77▲+5
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.36 in 2024; short-term debt: 47% and cash: 40.4% of total assets), and 47.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
52.1%
Return on assets
9%
Age of the figures
9 mo
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 21-04-2026, 101 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
101 d early
2024
94 d early
2023
96 d early
2022
88 d early
2021
82 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 92 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 28 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€121,527▲ 20.9%
2024 · €100,533
Total assets
€233,353▲ 10.0%
2024 · €212,133
Net result
€20,994▲ 195%
2024 · €7,115
Working capital
€65,384▲ 83.6%
2024 · €35,604
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€47,932-€46,595▼ 2.8%€20,248▼ 56.5%€10,080▼ 50.2%€28,963▲ 187%
Net result€38,085above the sector's middle half-€36,054above the sector's middle half▼ 5.3%€14,280within the sector's middle half▼ 60.4%€7,115within the sector's middle half▼ 50.2%€20,994within the sector's middle half▲ 195%
Equity€43,085within the sector's middle half-€79,138within the sector's middle half▲ 83.7%€93,418within the sector's middle half▲ 18.0%€100,533within the sector's middle half▲ 7.6%€121,527within the sector's middle half▲ 20.9%
Total assets€161,965within the sector's middle half-€223,588within the sector's middle half▲ 38.0%€224,594within the sector's middle half▲ 0.5%€212,133within the sector's middle half▼ 5.5%€233,353within the sector's middle half▲ 10.0%
Debt€118,880-€144,449▲ 21.5%€131,176▼ 9.2%€111,600▼ 14.9%€111,826▲ 0.2%
Working capital-€34,921below the sector's middle half-€4,211below the sector's middle half€2,090below the sector's middle half▼ 50.4%€35,604within the sector's middle half▲ 1,604%€65,384within the sector's middle half▲ 83.6%
Solvency26.6%within the sector's middle half-35.4%within the sector's middle half▲ 8.8pp41.6%within the sector's middle half▲ 6.2pp47.4%within the sector's middle half▲ 5.8pp52.1%within the sector's middle half▲ 4.7pp
Current ratio0.63below the sector's middle half-1.04below the sector's middle half▲ 0.411.02below the sector's middle half▼ 0.021.36within the sector's middle half▲ 0.341.60within the sector's middle half▲ 0.24
Return on assets (ROA)23.5%above the sector's middle half-16.1%within the sector's middle half▼ 7.4pp6.4%within the sector's middle half▼ 9.8pp3.4%within the sector's middle half▼ 3.0pp9.0%within the sector's middle half▲ 5.6pp
Staff (FTE)1.3-1.1▼ 15.4%1▼ 9.1%0.6▼ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 187% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233,353
Fixed assets
€58,315 ▼ 24.1%
Current assets
€175,039 ▲ 29.4%
Equity and liabilities €233,353
Equity
€121,527 ▲ 20.9%
Debt
€111,826 ▲ 0.2%
Debt's share of the balance-sheet total falls from 52.6% to 47.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€66,991▲
2024 · €49,447
Cash flow
€59,022▲
2024 · €46,482
Quick ratio
1.29▲
2024 · 1.12
Debt to equity
0.92▼
2024 · 1.11
ROE
17.3%▲
2024 · 7.1%
Interest coverage
152.06▲
2024 · 75.07
Debt ≤ 1 year
€109,654▲
2024 · €99,671
Debt > 1 year
€2,172▼
2024 · €11,930
Income taxes
€7,665▲
2024 · €2,720
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.9% |
| 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 26,975 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €6,264 | - |
| Remuneration, social security and pensions62 | €49,599 | €50,760 | €49,472 | €29,774 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,503 | €28,662 | €36,135 | €39,367 | €38,028 | ▼ 3.4% |
| Other operating charges640/8 | €1,153 | €1,310 | €1,235 | €1,078 | €1,424 | ▲ 32.2% |
| Gross operating margin9900 | €127,188 | €127,327 | €107,090 | €80,299 | €68,416 | ▼ 14.8% |
| Operating profit (loss)9901 | €47,932 | €46,595 | €20,248 | €10,080 | €28,963 | ▲ 187% |
| Financial income75/76B | €1,019 | €497 | €467 | €414 | €137 | ▼ 66.8% |
| Recurring financial income75 | €1,019 | €497 | €467 | €414 | €137 | ▼ 66.8% |
| Financial charges65/66B | €252 | €751 | €804 | €659 | €441 | ▼ 33.1% |
| Recurring financial charges65 | €252 | €751 | €804 | €659 | €441 | ▼ 33.1% |
| Profit (loss) for the period before taxes9903 | €48,699 | €46,340 | €19,911 | €9,835 | €28,659 | ▲ 191% |
| Income taxes67/77 | €10,614 | €10,286 | €5,631 | €2,720 | €7,665 | ▲ 182% |
| Profit (loss) for the period9904 | €38,085 | €36,054 | €14,280 | €7,115 | €20,994 | ▲ 195% |
| Profit (loss) for the period to be appropriated9905 | €38,085 | €36,054 | €14,280 | €7,115 | €20,994 | ▲ 195% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €161,965 | €223,588 | €224,594 | €212,133 | €233,353 | ▲ 10.0% |
| Fixed assets21/28 | €102,965 | €108,973 | €114,397 | €76,858 | €58,315 | ▼ 24.1% |
| Tangible fixed assets22/27 | €102,965 | €108,973 | €114,397 | €76,858 | €58,315 | ▼ 24.1% |
| Plant, machinery and equipment23 | €38,422 | €61,094 | €83,181 | €62,306 | €58,315 | ▼ 6.4% |
| Furniture and vehicles24 | €64,543 | €47,879 | €31,216 | €14,552 | - | - |
| Current assets29/58 | €59,000 | €114,614 | €110,197 | €135,275 | €175,039 | ▲ 29.4% |
| Stocks and contracts in progress3 | - | - | €10,000 | €23,637 | €33,119 | ▲ 40.1% |
| Stocks30/36 | - | - | €10,000 | €13,637 | €11,119 | ▼ 18.5% |
| Contracts in progress37 | - | - | - | €10,000 | €22,000 | ▲ 120% |
| Amounts receivable within one year40/41 | €34,480 | €51,597 | €42,724 | €15,490 | €47,756 | ▲ 208% |
| Trade receivables40 | €30,163 | €42,082 | €31,019 | €6,295 | €40,250 | ▲ 539% |
| Other amounts receivable41 | €4,317 | €9,515 | €11,705 | €9,194 | €7,506 | ▼ 18.4% |
| Cash at bank and in hand54/58 | €24,521 | €63,018 | €57,473 | €96,148 | €94,164 | ▼ 2.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €161,965 | €223,588 | €224,594 | €212,133 | €233,353 | ▲ 10.0% |
| Equity10/15 | €43,085 | €79,138 | €93,418 | €100,533 | €121,527 | ▲ 20.9% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €38,085 | €74,138 | €88,418 | €95,533 | €116,527 | ▲ 22.0% |
| Distributable reserves133 | €38,085 | €74,138 | €88,418 | €95,533 | €116,527 | ▲ 22.0% |
| Amounts payable17/49 | €118,880 | €144,449 | €131,176 | €111,600 | €111,826 | ▲ 0.2% |
| Amounts payable after more than one year17 | €22,663 | €34,046 | €23,069 | €11,930 | €2,172 | ▼ 81.8% |
| Financial debts170/4 | €22,663 | €34,046 | €23,069 | €11,930 | €2,172 | ▼ 81.8% |
| Amounts payable within one year42/48 | €93,921 | €110,404 | €108,107 | €99,671 | €109,654 | ▲ 10.0% |
| Current portion of amounts payable after more than one year42 | €5,878 | €10,817 | €10,977 | €11,139 | €9,758 | ▼ 12.4% |
| Trade debts44 | €5,005 | €1,386 | €4,946 | €1,389 | €13,118 | ▲ 844% |
| Suppliers440/4 | €5,005 | €1,386 | €4,946 | €1,389 | €13,118 | ▲ 844% |
| Taxes, remuneration and social security45 | €4,614 | €9,777 | €3,339 | €2,000 | €2,099 | ▲ 5.0% |
| Taxes450/3 | €4,614 | €7,901 | €1,428 | - | €2,099 | - |
| Remuneration and social security454/9 | - | €1,876 | €1,911 | €2,000 | - | - |
| Other amounts payable47/48 | €78,424 | €88,424 | €88,845 | €85,142 | €84,679 | ▼ 0.5% |
| Accrued charges and deferred income492/3 | €2,296 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38,085 | €36,054 | €14,280 | €7,115 | €20,994 | ▲ 195% |
| + Depreciation and write-downs630 | €28,503 | €28,662 | €36,135 | €39,367 | €38,028 | ▼ 3.4% |
| Operating cash flow (approximation) | €66,587 | €64,716 | €50,415 | €46,482 | €59,022 | ▲ 27.0% |
| Investment in fixed assets (approximation) | - | -€34,671 | -€41,559 | -€1,829 | -€19,485 | ▼ 966% |
| Change in cash | - | €38,497 | -€5,545 | €38,675 | -€1,985 | ▼ 105% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €7,115 ▼50.2%
Net result drops to €7,115, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100,000Eq €100,533 ▲7.6%
4 profitable years in a row build equity to €100,533.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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.
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Directors · office · real estate
Directors
1 act for this company is 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, Pelt · 1 establishment unit since 2020
Ground area
2,408 m²
Building footprint
2,151 m²
Parcel 72033B0001/00S010, Flanders. Linked by address, not a title deed.
1 establishment unit
VK interior construction
since 20202.309.029.273
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72033B0001/00S010indicative | Flanders | 2,408 m² | 1 · 2,151 m² | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,139. 7,709 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0757561585
Registered
06-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.