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VM GESTION

Active
Private limited companyfounded 20242 yrs activeRue de Bastogne 224, 6700 Arlon, BelgiumKBO/BCE: BE 1009.623.411
Summary

The computed 12-month bankruptcy probability of VM GESTION is 2.5% (moderate). The 2025 annual accounts show equity of €178,016 and a net result of €179,753. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability50▲+47
Solvency100▲+88
Growth78
Track record82
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days only on tighter terms
Liquidity ample (current ratio 9.89 against 0.04 in 2024; short-term debt: 9.5% and cash: 93.8% of total assets), and 9.5% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
90.5%
Return on assets
91.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filings
Deviation from the deadline
2025
28 d late
2024
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 29 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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.
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

VM GESTION was incorporated on 23 May 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€178,016
2024 · -€1,737
Total assets
€196,670▲ 1,342%
2024 · €13,637
Net result
€179,753
2024 · -€1,738
Working capital
€165,750
2024 · -€14,690
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€1,684--€2,249▼ 33.6%
Net result-€1,738-€179,753
Equity-€1,737-€178,016
Total assets€13,637-€196,670▲ 1,342%
Debt€15,374-€18,654▲ 21.3%
Working capital-€14,690-€165,750
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€50,000€0€50,000€100,000€150,000€200,000Operating result 2024: -€1,684-€1,684Net result 2024: -€1,738-€1,738Operating result 2025: -€2,249-€2,249Net result 2025: €179,753€179,75320242025-€50,000€0€50,000€100,000€150,000€200,000Operating result 2024: -€1,684-€1,680Net result 2024: -€1,738-€1,740Operating result 2025: -€2,249-€2,250Net result 2025: €179,753€180,00020242025
The operating result stays negative: a loss of €2,249 in 2025 against €1,684 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196,670
Fixed assets €12,266 ▼ 5.3%
Current assets €184,404 ▲ 26,862%
Equity and liabilities €196,670
Equity €178,016
Debt €18,654
Debt finances 9.5% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€1,562▼
2024 · -€1,262
Cash flow
€180,440▲
2024 · -€1,316
Current ratio
9.89▲
2024 · 0.04
Debt to equity
0.10
ROE
101.0%
ROA
91.4%▲
2024 · -12.7%
Interest coverage
-32.54▼
2024 · -23.37
Debt ≤ 1 year
€18,654▲
2024 · €15,374
Income taxes
€17,950
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.8%
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 39,278 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€13,637€196,670▲
Fixed assets21/28€12,953€12,266▼
Intangible fixed assets21€953€266▼
Financial fixed assets28€12,000€12,000=
Current assets29/58€684€184,404▲
Cash at bank and in hand54/58€684€184,404▲
Equity and liabilities
Total equity and liabilities10/49€13,637€196,670▲
Equity10/15-€1,737€178,016▲
Contributions10/11€1€1=
Reserves13-€179,500
Distributable reserves133-€179,500
Profit (loss) carried forward14-€1,738-€1,485▲
Amounts payable17/49€15,374€18,654▲
Amounts payable within one year42/48€15,374€18,654▲
Trade debts44-€704
Suppliers440/4-€704
Taxes, remuneration and social security45-€17,950
Taxes450/3-€17,950
Other amounts payable47/48€15,374-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€422€688▲
Other operating charges640/8€387€400▲
Gross operating margin9900-€875-€1,162▼
Operating profit (loss)9901-€1,684-€2,249▼
Financial income75/76B-€200,000
Recurring financial income75-€200,000
Financial charges65/66B€54€48▼
Recurring financial charges65€54€48▼
Profit (loss) for the period before taxes9903-€1,738€197,703▲
Income taxes67/77-€17,950
Profit (loss) for the period9904-€1,738€179,753▲
Profit (loss) for the period to be appropriated9905-€1,738€179,753▲
Appropriation of the result
Profit (loss) to be appropriated9906-€1,738€178,015▲
Profit (loss) brought forward from the previous period14P--€1,738
Transfer to equity691/2-€179,500
To other reserves6921-€179,500

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€422€688▲ 62.9%
Other operating charges640/8€387€400▲ 3.2%
Gross operating margin9900-€875-€1,162▼ 32.8%
Operating profit (loss)9901-€1,684-€2,249▼ 33.6%
Financial income75/76B-€200,000-
Recurring financial income75-€200,000-
Financial charges65/66B€54€48▼ 11.1%
Recurring financial charges65€54€48▼ 11.1%
Profit (loss) for the period before taxes9903-€1,738€197,703▲ 11,476%
Income taxes67/77-€17,950-
Profit (loss) for the period9904-€1,738€179,753▲ 10,443%
Profit (loss) for the period to be appropriated9905-€1,738€179,753▲ 10,443%
Line20242025Change
Assets
Total assets20/58€13,637€196,670▲ 1,342%
Fixed assets21/28€12,953€12,266▼ 5.3%
Intangible fixed assets21€953€266▼ 72.1%
Financial fixed assets28€12,000€12,000=
Current assets29/58€684€184,404▲ 26,862%
Cash at bank and in hand54/58€684€184,404▲ 26,862%
Equity and liabilities
Total equity and liabilities10/49€13,637€196,670▲ 1,342%
Equity10/15-€1,737€178,016▲ 10,349%
Contributions10/11€1€1=
Reserves13-€179,500-
Distributable reserves133-€179,500-
Profit (loss) carried forward14-€1,738-€1,485▲ 14.5%
Amounts payable17/49€15,374€18,654▲ 21.3%
Amounts payable within one year42/48€15,374€18,654▲ 21.3%
Trade debts44-€704-
Suppliers440/4-€704-
Taxes, remuneration and social security45-€17,950-
Taxes450/3-€17,950-
Other amounts payable47/48€15,374--
Line20242025Change
Profit (loss) for the period9904-€1,738€179,753▲ 10,443%
+ Depreciation and write-downs630€422€688▲ 62.9%
Operating cash flow (approximation)-€1,316€180,440▲ 13,811%
Investment in fixed assets (approximation)-€0-
Change in cash-€183,720-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial Back to profitnet €179,753
Net result €179,753 after one loss-making year.
31-12
Financial Liquidity times 222current ratio 9.89
Current ratio from 0.04 to 9.89.
31-12
Financial Equity above €150,000Eq €178,016
Equity rises from -€1,737 to €178,016.
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
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
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Arlon
exact location from the address register On OpenStreetMap
Ground area
217 m²
Building footprint
72 m²
Volume, LiDAR
640 m³
Parcel 81006B1091/00B003, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
81006B1091/00B003 Wallonia 217 m² 1 · 72 m² 10.4 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Company details

Identification
Legal formPrivate limited company
Founded23-05-2024
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.