VLB CONCEPT

Active

Public limited companyfounded 2005active for 21 yearsAvenue Montgomery(TOU) 32, 7500 Tournai, BelgiumKBO/BCE: BE 0873.081.063

Summary

VLB CONCEPT has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €209,807 and a net result of -€5,635. Equity is growing by about 5.5% per year across the filed financial years. Its solvency ranks better than 95% of 15,450 sector peers (NACE 46, financial year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow Report Compare

VLB CONCEPTActiveChecked score 57/100

Risk analysis Report Compare

Activity

Wholesale trade

NACE 46350

1 site

Size

≈ €170,000turnover 2024, estimated

Equity: €209,807
Loss: -€5,635

Turnover estimated from the gross margin

Financial health

57 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 0.3%

Structure

Louis Bernard BAPTISTEDirector
Violaine-Marie BAPTISTEDirector

2025 accounts not filed, 89 days past the deadline1 of 3 deeds summarised

Why 57raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 29-08-2025)lowers riskLiquidity: current ratio 39.17, cash €97,932Founded in 2005Equity €209,807 (98.5% of total assets)Show the evidence

Checked score

Score 2024

57 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 67% of its sector peers (NACE 46, micro)

A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Strong

Solvency 100=

equity 98.5% of total assets

Liquidity 100=

short-term debt 1.5% · cash 46.0%

Profitability 65-9

return on assets -2.6%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,881 companies, NACE 46, micro)

Last 24 months 11-2024: 2.1%highest value 12-2024: 0.2%▼ -1.9 percentage points vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.1%▼ -0.1 percentage points vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026lowest value 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.3%▲ +0.1 percentage points vs 09-2026

Credit of up to €11,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Liquidity ample (current ratio 39.17, compared with 58.68 in 2023, above the usual 1.5; short-term debt: 1.5% and cash: 46% of total assets), and 1.5% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, micro): better than 90% on solvency, 98% on liquidity, 48% on profitability and 35% on growth.

The bankruptcy probability was computed on 27-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

Liquidity: current ratio 39.17, cash €97,932

NBB · annual accounts

Figures for financial year 2024 (filed 29-08-2025)

NBB · annual accounts

Founded in 2005

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Equity €209,807 (98.5% of total assets)

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 89 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline28-10-2026 today

2024 accounts filed 28 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 filings

Deviation from the deadline

2025

not filed

2024

28 days late

2023

106 days late

2021

149 days late

2020

31 days late

2019

92 days late

2018

43 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 75 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

28-08-2025 Annual accounts filedfinancial year 2024 · micro…
14-11-2024 Annual accounts filedfinancial year 2023 · micro…
17-06-2024 Appointments: Violaine-Marie BAPTISTE (administratrice statutaire suppléante)…Resignation: Louis Bernard BAPTISTE (statutory…

Key points

Positive: Among the best 5% on solvencysector median 39.3% · 15,450 companies 98.5% View
Caution: 2025 accounts not fileddeadline was 31-07-2026 89 days past the deadline View
Board2 directors in office 2 View

By topic

Financials

Financial year: 2024
Total assets: €213,041
Loss: -€5,635
Solvency: 98.5%

Total assets▼ 2.0%

Net result

20182024

Go to Financials

Board & ownership

Board: 2 members

Louis Bernard BAPTISTEDirector
Violaine-Marie BAPTISTEDirector

Go to Board & ownership

Timeline

Events: 21
Since: 2007

31-12-2023Liquidity more than triples
27-12-2022Annual accounts filed
31-12-2021Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Wholesale tradeNACE 46350
Founded: 11-04-2005
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 41

Annual meeting: Last Friday of May at 18:00
Purpose: “Le commerce de gros et de détail d'articles de tabac,d'alimentation générale et de…” (deed in French)

Go to Articles of association

Key facts about VLB CONCEPT

What is the company number of VLB CONCEPT?: 0873.081.063. In Belgium the VAT number is the company number with BE in front: BE 0873.081.063.
Where is VLB CONCEPT based?: The registered office is at Avenue Montgomery(TOU) 32, 7500 Tournai.Company details
What does VLB CONCEPT do?: According to the KBO register, the main activity is wholesale trade (NACE 46350).
What is the legal form of VLB CONCEPT?: Public limited company (NV).
When was VLB CONCEPT founded?: On 11-04-2005.
Is VLB CONCEPT still active?: Yes, VLB CONCEPT is an active enterprise in the KBO register.
What is the turnover of VLB CONCEPT?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is VLB CONCEPT profitable?: In financial year 2024, VLB CONCEPT made a loss of €5,635.
Where can I find the annual accounts of VLB CONCEPT?: VLB CONCEPT filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2024.