Skip to content
Checked.be
Complete company report
Generated 31-07-2026
Active BE 0759.499.706Private limited company

"VTB"

rue du Chenia 15 ·7170 Manage, Belgium· 5 yrs active
Sector: Retail trade (47811)
Conclusion Checked

The computed 12-month bankruptcy probability of "VTB" is 3.7% (moderate). The 2024 annual accounts show equity of €5k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 6675 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €5k
Net result €4k
Better than sector 30%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health63Profitability100Solvency23Growth58Stability94
68 / 100

Strong profile, led by profitability.

Health 63
Profitability 100
Solvency 23
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
3.7% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Multiple establishment units +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
63 / 100 Healthy
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 18-08-2025 with the NBB · fiscal year 2024 · micro
€-40k€-20k€0€20kOperating result 2021: €-2k€-2kNet result 2021: €1k€1kOperating result 2022: €-36k€-36kNet result 2022: €-36k€-36kOperating result 2023: €16k€16kNet result 2023: €16k€16kOperating result 2024: €4k€4kNet result 2024: €4k€4k2021202220232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 2.6% 20.4%
better than 30% of 6675 sector peers
Net result €4k €4k
better than 49% of 6656 sector peers
Equity €5k €16k
better than 35% of 6689 sector peers
Gross operating margin €15k €24k
better than 41% of 6635 sector peers
Staff costs €8k €33k
higher than 24% of 3021 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€4k
-73.8% -94% vs sector
Net profit
€4k
-78.0% -83% vs sector
Cash flow
€4k
-74.5% -90% vs sector
Total assets
€187k
-2.2% -32% vs sector
Equity
€5k
+282.8% -97% vs sector
Working capital
€57k
- -53% vs sector
Staff costs
€8k
-19.2% -94% vs sector
Debt
€183k
-4.1% far above sector median
Debt ≤ 1y
€128k
-32.7% far above sector median
Current ratio
1.45
+45.8% -84% vs sector
Quick ratio
0.64
-26.3% -93% vs sector
Solvency
2.6%
+291.5% -97% vs sector
Debt / equity
37.80
-74.9% far above sector median
ROE
73.9%
-94.2% far above sector median
ROA
1.9%
-77.5% -64% vs sector
Interest coverage
25.47
-73.2% +278% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€4k
Net profit€4k
Cash flow€4k
Staff costs€8k
Income taxes-
Dividends-
Total assets€187k
Equity€5k
Debt€183k
of which ≤ 1y€128k
of which > 1y-
Working capital€57k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.45
Quick ratio0.64
Working capital ratio30.5%
Solvency2.6%
Debt / equity37.80
Long-term debt ratio-
Interest coverage25.47
Gross margin-
Net margin-
ROA1.9%
ROE73.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€187k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Financial fixed assets 28€140
Current assets 29/58€185k
Stocks & contracts in progress 3€103k
Amounts receivable within one year 40/41€79k
Cash & bank 54/58€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€187k
Equity 10/15€5k
Contributions / capital 10/11€20k
Accumulated profits (losses) 14€-15k
Amounts payable 17/49€183k
Amounts payable within one year 42/48€128k
Trade debts payable within one year 44€36k
Income statement
Gross operating margin 9900€15k
Operating result 9901€4k
Financial income 75€1
Financial charges 65€175
Result before taxes 9903€4k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47811)
Legal form Private limited company(610)
Incorporation07-12-2020
StatusActive
Postal code7170
Establishment units 3 locations
"VTB"
Chaussée de Nivelles 56, 7170 ManageHandelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)
since 20202.311.195.442
"VTB"
Rue de la Station 68, 6110 Montigny-le-TilleulHandelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)
since 20232.342.935.228
"VTB"
Rue de Marchienne(GOZ) 141, 6534 ThuinDetailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
since 20252.383.438.666
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 4 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52043F0062/00K000 Wallonia 2.5 ha - -
52043A0585/00H003 Wallonia 1,058 m² 1 · 206 m² 7.8 m · 2 fl.
56352B0049/00V004 Wallonia 875 m² 1 · 79 m² 5.3 m · 2 fl.
52048C0235/00N003 Wallonia 472 m² 1 · 267 m² 8.4 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
18-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
31-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
29-09-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
25-04-2022
State Gazette act Capital & shares
Belgisch Staatsblad, acts 1 acts
Capital history · 1
25-04-2022
Capital change
All acts · 1 updated 4 years ago
2022
25-04-2022 Transaction in capital or shares Capital & shares
Technical details 
{
  "events": [
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": "72.06.01-095.71",
          "kind": "person",
          "name": "Monsieur D\u0027AGOSTINO Gioele",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 118,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": "80.04.26-199.50",
          "kind": "person",
          "name": "Monsieur SANTOLINI Sebastien",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 117,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Monsieur D\u0027AGOSTINO Gloele",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 82,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Monsieur SANTOLINI Sebastien",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 83,
          "contribution_amount_eur": null
        }
      ],
      "share_emission": {
        "agio_eur": null,
        "share_form": null,
        "share_class": null,
        "n_new_shares": null,
        "with_new_shares": false,
        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Monsieur D\u0027AGOSTINO Gioele",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 0,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "Monsieur SANTOLINI Sebastien",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 0,
          "contribution_amount_eur": null
        },
        {
          "kbo": "0736.424.295",
          "rrn": null,
          "kind": "org",
          "name": "La soci\u00E9t\u00E9 Mondial Car Belgium S.R.L.",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 235,
          "contribution_amount_eur": null
        }
      ],
      "share_emission": {
        "agio_eur": null,
        "share_form": null,
        "share_class": null,
        "n_new_shares": null,
        "with_new_shares": false,
        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": "0657.928.333",
          "rrn": null,
          "kind": "org",
          "name": "La soci\u00E9t\u00E9 Mondial Car S.A.R.L.",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 165,
          "contribution_amount_eur": null
        }
      ],
      "share_emission": {
        "agio_eur": null,
        "share_form": null,
        "share_class": null,
        "n_new_shares": null,
        "with_new_shares": false,
        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2022-04-25",
    "filing_date": null,
    "act_kind_objet": "Obiet de l\u0027acte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2022-04-01",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2022-04-01"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0759.499.706",
    "name_full": "VTB",
    "legal_form": "Socl\u00E9t\u00E9 \u00E0 Responsabilit\u00E9 Limit\u00E9e",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Monsieur D\u0027AGOSTINO Gioele",
      "role": "Administrateur d\u00E9missionnaire",
      "n_shares": 0,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Monsieur SANTOLINI Sebastien",
      "role": "Administrateur d\u00E9missionnaire",
      "n_shares": 0,
      "share_class": null
    },
    {
      "kbo": "0736.424.295",
      "pct": null,
      "kind": "org",
      "name": "La soci\u00E9t\u00E9 Mondial Car Belgium S.R.L.",
      "role": "Administrateur",
      "n_shares": 235,
      "share_class": null
    },
    {
      "kbo": "0657.928.333",
      "pct": null,
      "kind": "org",
      "name": "La soci\u00E9t\u00E9 Mondial Car S.A.R.L.",
      "role": "Actionnaire",
      "n_shares": 165,
      "share_class": null
    }
  ],
  "share_classes_after": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311
Primary activity highlighted.
Names & trade names
Legal nameFR "VTB"
Registered office
rue du Chenia 15
7170 Manage, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
GARAGE FAMA ET FILS BE 0422.207.841 · Manage
GARAGE IACONO Lucien BE 0424.876.331 · Manage
Alim BE 0418.379.608 · Mons
ARAVYS BE 0401.798.645 · Quévy
AUTO - CYGNE BE 0419.906.466 · Rumes
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative