Debts
€181,694 99% of the balance sheet
Suppliers 45%Taxes and wages 16%Other 39%
VM BUILDER
Overview
Lifetime
1 annual account with figurespeak €461,159 (2025)
€461,159
lowest -€711 (2025)
-€711
peak €2,289 (2025)
€2,289
€181,694
Board1 name since 2025
1 director
Documentsfilings and deeds
01-08-20261 day late
2025micro format
Loss of €711Incorporation 23-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsAt the same address
484 companies
Position in the sector
1.2%
Lower solvency than 90% of companies in specialised construction. Sector median 46.9% · 37,177 companies.
2025 accounts filed 1 day after the deadline
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 280 companies had the same profile as VM BUILDER has now. Each dot is one company, two years later.
95.7%
were still trading
3.2%
stopped another way
1.1%
went bankrupt
Test of the method
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 280 companies, not a prediction for VM BUILDER. 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
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Board and ownership
Director
- 80 sharesdeed of 23-01-2025
- 20 sharesdeed of 23-01-2025
Recent changes
Incorporation
Founding capital of €3,000, 100 shares · Founders: and · Appointment: (director) · published on 23-01-2025 · Gazette deed
First establishment
Industrielaan 4, Aalst
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VM BUILDER Brussels | €461,159 | 1.7% | 1.2% | - |
| KUBERA RENO Antwerp | - | - | 23.1% | 1 |
| WorkSphere Wavre | - | - | 36.7% | - |
| TRIBECO Drogenbos | - | - | 17.7% | - |
| RAKSAN COMPANY Grimbergen | €426,990 | 15.9% | 29.6% | - |
| IMMOPTIMIZE Brussels | - | - | 40.2% | - |
| AIRE CONSTRUCT Schaerbeek | - | - | 46.7% | - |
Grey: the largest companies of the sector (specialised construction (NACE 43)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as VM BUILDER: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €128,000 and €169,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 21-01-2025Normal situation
- Registered office
- 485 active companies are registered at this address75 started in the 12 months before. Source: KBO register, as of 12 November 2026.
- Activity
- Other building finishing workNACE 43350and 1 other
- Establishment unit
- 2.369.152.6459320 Aalst, since 21-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €461,159
- €711
- €2,289
- €183,983
- ≈ 0.7 FTEestimated
- Filing
- Filed on 01-08-2026
Insights on VM BUILDER
The 2025 annual accounts show equity of €2,289 and a net result of -€711. Its solvency ranks better than 10% of 37,177 sector peers (NACE 43, financial year 2025).
The company has been active since 2025 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 01-08-2026, 1 day late€461,159
€7,793
€17,784
€9,280
1.2%
0.70
Money flows
of every €100 of turnover, €0.15 was lost in 2025Balance sheet
balance sheet total €183,983 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
1.2%
Higher than 10% of 37,177 companies in 2025.
0.70
Higher than 11% of 36,472 companies in 2025.
-0.4%
Higher than 23% of 36,707 companies in 2025.
VM BUILDER
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
183,983 | |
21/28 |
57,536 | |
22/27 |
57,536 | |
24 |
57,536 | |
29/58 |
126,447 | |
40/41 |
91,514 | |
40 |
83,014 | |
41 |
8,500 | |
54/58 |
8 | |
490/1 |
34,925 | |
| Balance sheet: equity and liabilities | ||
10/49 |
183,983 | |
10/15 |
2,289 | |
10/11 |
3,000 | |
14 |
-711 | |
17/49 |
181,694 | |
42/48 |
181,694 | |
44 |
82,419 | |
440/4 |
82,419 | |
45 |
28,197 | |
450/3 |
9,608 | |
454/9 |
18,590 | |
47/48 |
71,077 | |
| Income statement | ||
70 |
461,159 | |
9900 |
52,316 | |
60/61 |
425,376 | |
62 |
32,413 | |
630 |
9,991 | |
640/8 |
2,119 | |
9901 |
7,793 | |
65/66B |
5 | |
65 |
5 | |
9903 |
7,788 | |
67/77 |
8,499 | |
9904 |
-711 | |
9905 |
-711 | |
| Appropriation of the result | ||
9906 |
-711 | |
| Document | ||
The notes to these accounts have 5 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 01-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 1 day after the deadline. Filed on 1 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00371386.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 01-08-2026 | 2026-00371386 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 17,784 | ||
| 9,280 | ||
| 67,527 | ||
| -55,247 | ||
| 1.7% | ||
| 1.2% | ||
| 0.70 | ||
| 79.37 | ||
| -31.0% | ||
| -0.4% | ||
| over 100 | ||
| 66 days | ||
| 71 days |
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 | €67,527 |
| €9,991 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on VM BUILDER
Debt's share of the balance-sheet total is 98.8%.
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 23-01-2025, still in office
Control
Founders
,
This company
VM BUILDER
Equity €2,289
Loss €711 in 2025
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €22.89 in 2025
- Source
- deed of 23-01-2025
Articles of association
deed of 23-01-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Wednesday of May at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 23-01-2025 ↗
- 80 shares (80%) · €2,400
- 20 shares (20%) · €600
Network & group
No group
VM BUILDER has no parent and no holdings in its annual accounts. is the only director. VM BUILDER shares no director with another company.
At the same address
Keizerslaan 10, 1000 Brussels · 484 other companies| CENTER FOR CREATIVE LEADERSHIP
branch since 27-07-1990 · founded in 1990 |
80 FTE (2019) 0544.219.785 |
| ZEL INVEST
registered office since 25-07-2006 · founded in 2006 |
total assets €6.0m (2025) 0882.698.218 |
| OMNIPARTNERS
registered office since 08-03-2011 · founded in 2011 |
total assets €4.8m (2025) 0834.357.079 |
| COCO-TRANS
registered office since 10-02-2016 · founded in 2016 · negative equity (2025) |
47 FTE (2025) 0647.972.470 |
| FIABILIS CONSULTING GROUP BELGIUM
registered office since 04-11-2011 · founded in 2011 |
12 FTE (2025) 0840.812.034 |
| ZENOFFICE
registered office since 24-05-2005 · founded in 2005 |
total assets €2.7m (2025) 0874.003.058 |
| COMIFIM
registered office since 24-01-1992 · founded in 1992 |
total assets €2.4m (2025) 0446.441.411 |
| ALL REFRESH
registered office since 29-12-2008 · founded in 2008 |
turnover €2.1m (2023) 0808.734.431 |
| TYNESO
registered office since 15-04-2005 · founded in 2005 |
20 FTE (2025) 0873.235.273 |
| ASSILO
registered office since 12-04-2016 · founded in 2016 · accounts filed late |
16 FTE (2024) 0651.826.637 |
Timeline
Timeline
3 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 1 day late
2025
IncorporationFounding capital of €3,000, 100 shares · Founders: and · Appointment: (director) · published on 23-01-20256 points ▸
- Founder,
- Founder,
- Founding capital, €3,000, 100 shares
- 100 shares
- Registered office clause, Boulevard de l Empereur 10, 1000 Bruxelles
- Director appointment, (director (not named in the articles))
- The deed holds 6 more points.
First establishment Industrielaan 4, Aalst
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1019.003.113
- VAT number
- BE 1019.003.113
- Peppol ID
- 0208:1019003113
- Other Peppol ID
- 9925:BE1019003113
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 21-01-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Wednesday of May at 19:00deed of 23-01-2025 (in French)
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- VM BUILDER in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 23-01-2025 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 23-01-2025 (in French)
Activities
NACEBEL 2025VAT activities
43350
Other building finishing work main activity
Social security (RSZ) activities
42110
Construction of roads and motorways main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Faire tout ce qui est utile ou nécessaire à l'accomplissement de son objet; Acquérir,créer,louer,donner en location,exploiter et vendre…”deed of 23-01-2025 (in French)
43 activities
- Faire tout ce qui est utile ou nécessaire à l'accomplissement de son objet
- Acquérir,créer,louer,donner en location,exploiter et vendre tous immeubles,usines,carrières,magasins,établissements,matériels,moteurs et machines jugés nécessaires ou utiles
- Acheter,prendre,mettre en valeur,exploiter ou céder,tous brevets d'inventions,licences,procédés et secrets de fabrication,ainsi que toutes marques de fabriques
- Toutes opérations commerciales,industrielles,financières,mobilières ou immobilières ayant un rapport direct ou indirect avec son objet ou de nature à en favoriser la réalisation et le développement
- S'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe ou susceptible de favoriser le développement ou débouchés
- Exercer les fonctions d'administrateur,de gérant ou de liquidateur
- Pleine capacité juridique pour actes ayant rapport direct ou indirect avec l’objet ou facilitant sa réalisation
- Tous matériaux,marchandises,appareils et outillages nécessaires aux travaux de construction,d’entretien,de maintenance,de réparation et de renouvellement des ouvrages d’art et bâtiments
- Tous matériel électrique et électronique,sanitaire et plomberie
- Tous produits alimentaires tels que fruits,légumes,conserves,produits laitiers,produits de la mer,poissons,boucherie,articles de ménage et article cadeaux
- Vidéothèque,location de produits de divertissements,films et tous autres produits assimilés
- Tous textiles en général,vêtements divers,chaussures,cordonnerie,serrurerie,maroquinerie dans le sens le plus large
- Tous produits de l’artisanat en général,tapisserie,y compris les articles du tiers-monde,des meubles
- Tous les articles de parfumerie,de toilette,cosmétiques,produits de beauté,maquillage,ainsi que savons et détergents
- Tous les articles d’horticulture tels que fleurs,plantes,articles de jardinage,aménagement et entretien de jardins et de pépinières
- Tous livres,antiquités,brocantes,objets de décoration,machines industrielles
- Tous appareils électroménagers,tous films de bandes magnétiques,cassettes,tous articles imprimés ou enregistrés permettant leur lecture,vision ou audition
- Tous matériaux de bureau et de l’informatique,téléphones,gsm,fax
- Tous véhicules neufs et d’occasion,ainsi que leurs pièces détachées
- L’entreprise générale du bâtiment,menuiserie,peinture,maçonnerie,électricité,travaux de toiture,pose de chapes de tout type,travaux de carrelage et placement de cloisons en gyproc
- Toutes opérations se rapportant directement ou indirectement à l’entretien,la rénovation,les travaux de réparations,d’embellissements,de renouvellement et de modernisation,et la maintenance de tous les types d’ouvrages d’art,de biens immeubles,et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment
- Réalisation de décorations tant intérieures qu’extérieures
- Placement,installation et réparation de tout chauffage tant d’immeuble privé que professionnel,éclairage,ainsi que les travaux de plomberie sanitaire
- Travaux d’isolation
- Toute activité se rapportant à l'entreprise de jardins et d'une manière générale toute activité en rapport avec la jardinerie,l'agriculture et l'horticulture
- La préparation,la rédaction et la conclusion en tant que mandataire ou pour compte propre,de tous marchés de travaux publics ou privés ou de fourniture et faite toutes opérations se rattachant à ces objets
- Nettoyage industriel;nettoyage intérieur de tous types de bâtiments:bureaux,usines,ateliers,bâtiments commerciaux ou industriels,immeubles à appartements y compris le nettoyage de la verrerie
- Travaux de secrétariat,de bureau et travaux administratifs
- Soutien de bureau,conseil
- Transport de marchandises et de personnes
- Le commerce au détail de véhicules automobiles pour le transport de personnes y compris les véhicules automobiles spécialisés (ambulances)
- Services ménagers dans le système des titres services (nettoyage à domicile,lessive,repassage,petits travaux de couture,préparation des repas,services de courses ménagères)
- La fabrication de meubles
- L’informatique en général:l’élaboration et la conception de logiciel,la vente et l’achat de matériel informatique et de bureau,ainsi que de consommables de bureau,l’étude de projets informatiques au sens large,et tout ce qui se rapporte directement ou indirectement à l’informatique,la consultance,la formation,la commercialisation des services et de produits,la maintenance hardware et software
- L’achat et la vente ainsi que la gestion de tout bien immobilier en vue d’une gestion patrimoniale
- Librairie
- Entreprise de courrier express
- Tous snacks bars,pizzeria,brasseries,salon de consommation,hôtels,restaurants,tavernes,cafés,discothèques,buffets,vestiaires pour publics,locations de places,salles d’organisation,de banquet et service traiteur
- Garage auto ainsi que la réalisation d’un commerce de voitures d’occasion y compris la location des voitures
- Entreprise de réparation de véhicules automobiles,la réparation des parties mécaniques et électriques
- D’un salon de coiffure
- Entreprise de design
- Entreprise de garde et sécurité
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Keizerslaan 10 registered office 1000 Brussels | ||
| Industrielaan 4 9320 Aalst | 21-01-2025 | 2.369.152.645 |
Buildings and parcels at the addresses
- Ground area
- 9,723 m²
- Buildings
- 2,089 m²
- Volume, LiDAR
- 22,002 m³
- Tallest building
- 27.7 m
Buildings to scale, each on its own parcel
Parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 41342B1195/00M000 | Flanders | 9,053 m² | 1 · 1,601 m² | 7.8 m · 2 |
| 21808H1778/00D000 | Brussels | 670 m² | 1 · 488 m² | 27.7 m · 8 |
Contact
E-mail
mitricnicodim@gmail.com
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 1019.003.113