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VMD Interieur

Active
Private limited companyfounded 200818 yrs activeBruyelstraat 20, 8531 Harelbeke, BelgiumKBO/BCE: BE 0896.027.996
Summary

VMD Interieur has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €247,127 and a net result of €39,823. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 35% of 9042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
VMD InterieurActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320
1 site
Size
€766,066total assets 2025
Staff
1 FTE
Equity
€247,127
Profit
€39,823
Turnover not published (abridged schema)
Financial health
89 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts 136 d early0 of 2 deeds read
Why 89- Sector Specialised construction activities (NACE 43)+ Figures for FY 2025 (filed 15-12-2025)+ Founded in 2008+ Liquidity: current ratio 3.46, cash €72,115Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Better than 46% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 57+4
equity 32.3% of total assets
Liquidity 59+11
short-term debt 15.0% · cash 9.4%
Profitability 61+13
return on assets 5.2%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,133 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%▲ +2.6% vs 11-2024 01-2025: 0.3%▼ -0.3% vs 12-2024 02-2025: 0.3%▲ +4.8% vs 01-2025 03-2025: 0.4%▲ +10.4% vs 02-2025 04-2025: 0.5%▲ +27.1% vs 03-2025 05-2025: 0.8%▲ +66.1% vs 04-2025highest value 06-2025: 0.3%▼ -67.0% vs 05-2025 07-2025: 0.3%● 0.0% vs 06-2025 08-2025: 0.3%● 0.0% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%▲ +4.8% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.2%▼ -30.7% vs 12-2025lowest value 02-2026: 0.2%● 0.0% vs 01-2026lowest value 03-2026: 0.2%● 0.0% vs 02-2026lowest value 04-2026: 0.2%● 0.0% vs 03-2026lowest value 05-2026: 0.2%● 0.0% vs 04-2026lowest value 06-2026: 0.2%● 0.0% vs 05-2026lowest value 07-2026: 0.2%● 0.0% vs 06-2026lowest value 08-2026: 0.2%● 0.0% vs 07-2026lowest value 09-2026: 0.2%● 0.0% vs 08-2026lowest value 10-2026: 0.2%● 0.0% vs 09-2026lowest value
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Figures for FY 2025 (filed 15-12-2025) lowers the probability
  • Founded in 2008 lowers the probability for this profile
  • Liquidity: current ratio 3.46, cash €72,115 lowers the probability
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 3.46 against 2.88 in 2024; short-term debt: 15% and cash: 9.4% of total assets), but 67.7% 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 43, micro). Better than this share of them on solvency 34%, liquidity 56%, profitability 29%, growth against the median 67%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Figures for FY 2025 (filed 15-12-2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2008
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 3.46, cash €72,115
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-12-2025, 136 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
136 d early
2024
21 d late
2023
50 d early
2022
171 d early
2020
60 d late
2019
95 d late
2018
54 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 28 January (3 of the last 4 filed years within 79 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Equity above €200,000Eq €207,304 ▲5.5%

Key points

  • Positive: 7 profitable years in a rowprofit 2025: €39,823 7 years View
  • Total assets 20256 fiscal years filed €766,066 View
  • Active since 2008founded 25-02-2008 18 years View

By topic

Financials

Fiscal year
2025
Total assets
€766,066
Profit
€39,823
Solvency
32.3%
Total assets▲ 4.9%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 30-04-2027
  1. 15-12-2025Annual accounts filed
  2. 21-05-2025Annual accounts filed
  3. 30-09-2024Equity above €200,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Joinery installationNACE 43320
Founded
25-02-2008
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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