VMB-IT
ActiveVMB-IT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €366k and a net result of €124k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 10206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
96
/ 100
Excellent▲ +74 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency80▲+16
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 0.57 in 2024), and 39.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
60.1%
Return on assets
20.4%
Age of the figures
14 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 10 filingsDeviation from the deadline
2025
2 d late
2024
4 d late
2023
on the day
2022
on the day
2021
on the day
2020
3 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€366k▲ 45.2%
2024 · €252k
2019: €52k
2020: €81k
2021: €180k
2022: €236k
2023: €284k
2024: €252k
2019 → 2025
Total assets
€610k▲ 26.1%
2024 · €484k
2019: €65k
2020: €136k
2021: €211k
2022: €502k
2023: €602k
2024: €484k
2019 → 2025
Net result
€124k
2024 · €-31k
2019: €10k
2020: €45k
2021: €101k
2022: €56k
2023: €74k
2024: €-31k
2019 → 2025
Working capital
€30k
2024 · €-46k
2019: €-1k
2020: €49k
2021: €128k
2022: €107k
2023: €16k
2024: €-46k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€236k▲ 31.2%€284k▲ 20.0%€252k▼ 11.1%€366k▲ 45.2%
Operating result€145k-€81k▼ 44.2%€21k▼ 74.2%€-26k€172k
Net result€101k-€56k▼ 44.4%€74k▲ 32.2%€-31k€124k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €172k after a loss of €26k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €610k
Fixed assets
€417k▼ 1.6%
Current assets
€193k▲ 224%
Equity and liabilities €610k
Equity
€366k▲ 45.2%
Debt
€244k▲ 5.3%
The debt ratio falls from 47.8% to 39.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€185k▲
2024 · €-12k
Cash flow
€138k▲
2024 · €-17k
Solvency
60.1%▲
2024 · 52.2%
Current ratio
1.19▲
2024 · 0.57
Quick ratio
1.19▲
2024 · 0.57
Debt / equity
0.67▼
2024 · 0.92
ROE
33.9%▲
2024 · -12.5%
ROA
20.4%▲
2024 · -6.5%
Interest coverage
34.83▲
2024 · -1.99
Debt
€244k▲
2024 · €231k
Debt ≤ 1 year
€163k▲
2024 · €105k
Debt > 1 year
€81k▼
2024 · €126k
Income taxes
€43k▲
2024 · €222
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€484k€610k▲
Fixed assets21/28€424k€417k▼
Tangible fixed assets22/27€387k€380k▼
Land and buildings22€385k€374k▼
Plant, machinery and equipment23€150€67▼
Furniture and vehicles24€2k€6k▲
Financial fixed assets28€37k€38k▲
Current assets29/58€60k€193k▲
Amounts receivable within one year40/41€38k€87k▲
Trade receivables40€35k€70k▲
Other amounts receivable41€4k€17k▲
Cash at bank and in hand54/58€15k€102k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€484k€610k▲
Equity10/15€252k€366k▲
Contributions10/11€19k€19k=
Reserves13€265k€348k▲
Distributable reserves133€265k€348k▲
Profit (loss) carried forward14€-31k-
Amounts payable17/49€231k€244k▲
Amounts payable after more than one year17€126k€81k▼
Financial debts170/4€126k€81k▼
Amounts payable within one year42/48€105k€163k▲
Current portion of amounts payable after more than one year42€44k€45k▲
Financial debts43€39k€39k=
Other loans439€39k€39k=
Trade debts44€7k€11k▲
Suppliers440/4€7k€11k▲
Taxes, remuneration and social security45€12k€65k▲
Taxes450/3€12k€65k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€33k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€118€870▲
Gross operating margin9900€-11k€186k▲
Operating profit (loss)9901€-26k€172k▲
Financial income75/76B€119€326▲
Recurring financial income75€119€326▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-31k€167k▲
Income taxes67/77€222€43k▲
Profit (loss) for the period9904€-31k€124k▲
Profit (loss) for the period to be appropriated9905€-31k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€93k▲
Profit (loss) brought forward from the previous period14P-€-31k
Transfer from equity791/2-€10k
Transfer to equity691/2-€93k
To other reserves6921-€93k
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
30-06
Financial
Back to profitnet €124k
Net result €124k after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 1.19
Current ratio from 0.57 to 1.19.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-06
Financial
Weakest financial yearnet €-31k ▼142%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Equity above €200kEq €236k ▲31.2%
4 profitable years in a row build equity to €236k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Liquidity doublescurrent ratio 5.22
Current ratio from 2.42 to 5.22; short-term debt falls from €34k to €30k.
30-06
Financial
Equity above €150kEq €180k ▲121%
3 profitable years in a row build equity to €180k.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Liquidity triplescurrent ratio 2.42
Current ratio from 0.90 to 2.42.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 33 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Benooit Maaike
CurrentDirector · since 01-01-2023
01-01-2023
Appointed as Director
Location & real-estate footprint
Registered office, Bornem · 1 establishment unit since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Koning Boudewijnhof(WIN) 272880 BornemGround area
757 m²
Building footprint
123 m²
Volume, LiDAR
472 m³
Parcel 12015B0269/00P000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VMB-IT
since 20122.215.496.331
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015B0269/00P000 | Flanders | 757 m² | 1 · 123 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MICROCITY
BE 0448.764.065
Schaarbeek · Eq €365k
OPTELEC
BE 0467.277.110
Brugge · Eq €365k
KNOPS Michaël
BE 0849.732.074
Stavelot · Eq €369k
THE COMPUTER STORE
BE 0448.227.991
Nazareth-De Pinte · Eq €364k
ELANET
BE 0473.421.861
Grimbergen · Eq €364k
Of 3,210 companies in sector 47400 we hold annual accounts for 1,795. 1,207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2012
Fiscal year end30-06
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
47420Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.