VM-INNOVATIONS

Active

Private limited companyfounded 20233 yrs activeDuffelsesteenweg 126, 2860 Sint-Katelijne-Waver, BelgiumKBO/BCE: BE 0797.313.076

Summary

VM-INNOVATIONS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176,527 and a net result of €74,560. Equity is growing by ~69.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 18866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

VM-INNOVATIONSActiveChecked score 98/100

Risk analysis Report Compare

Activity

Computer consultancy and computer facilities management

NACE 62200IT consultancy NACE 62020

1 site

Size

€208,675total assets 2025

Equity: €176,527
Profit: €74,560

Turnover not published (abridged schema)

Financial health

98 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts 92 d early0 of 1 deed read

Why 98+ Liquidity: current ratio 6.44, cash €118,372+ Sector Computer programming, consultancy and related activities (NACE 62)+ Equity €176,527 (84.6% of total assets)+ Size: total assets €208,675Show the evidence

Checked score

Score 2025

98 / 100

Excellent

Probability in this band: under 0.55%

Better than 85% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 84.6% of total assets

Liquidity 97+4

short-term debt 15.4% · cash 56.7%

Profitability 100=

return on assets 35.7%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (25,520 companies)

Last 10 months 01-2026: < 0.1% 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +3.4% vs 03-2026 05-2026: < 0.1%▲ +3.3% vs 04-2026highest value 06-2026: < 0.1%● 0.0% vs 05-2026highest value 07-2026: < 0.1%● 0.0% vs 06-2026highest value 08-2026: < 0.1%● 0.0% vs 07-2026highest value 09-2026: < 0.1%▼ -19.4% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Liquidity: current ratio 6.44, cash €118,372 lowers the probability
Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
Equity €176,527 (84.6% of total assets) lowers the probability
Size: total assets €208,675 lowers the probability for this profile

Credit up to €17,000 at 30 days acceptable

Liquidity ample (current ratio 6.44 against 4.49 in 2024; short-term debt: 15.4% and cash: 56.7% of total assets), and 15.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 84%, liquidity 87%, profitability 83%, growth against the median 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Liquidity: current ratio 6.44, cash €118,372

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

Equity €176,527 (84.6% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €208,675

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-04-2026, 92 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

92 d early

2024

89 d early

2023

92 d early

← before the deadline after the deadline →

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

This company filed its last 3 accounts on average 91 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)

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 1 May (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

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

10-07-26 Transfer restriction · Board ruleOther statement · Representation rule
30-04-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Highest result since 2023net €74,560 ▲11.7%

Key points

Positive: Equity rose in 2025from €101,967 to €176,527 ▲ 73.1% View
Positive: Among the best 15% on net resultsector median €28,485 · 18,873 companies €74,560 View
Total assets 20253 fiscal years filed €208,675 View