VUM
ActiveSummary
The computed 12-month bankruptcy probability of VUM is 2.0% (moderate). The 2025 annual accounts show equity of €130k and a net result of €26k. Equity is growing by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 27965 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-9
Solvency87▲+11
Growth85=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.71 against 1.66 in 2024; short-term debt: 31.6% and cash: 2.5% of total assets), and 38.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
61.8%
Return on assets
12.3%
Age of the figures
9 mo
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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
68 d late
2022
70 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€656k▲ 17.4%
2024 · €559k
2022: €255klowest in 4 years
2023: €387k▲ +51.9% vs 2022
2024: €559k▲ +44.6% vs 2023
2025: €656k▲ +17.4% vs 2024highest in 4 years
2022 → 2025
EBIT margin
6.3%▼ 3.2pp
2024 · 9.5%
2022: 12.1%
2023: 14.0%▲ +16.0% vs 2022highest in 4 years
2024: 9.5%▼ -32.2% vs 2023
2025: 6.3%▼ -33.9% vs 2024lowest in 4 years
2022 → 2025
Net result
€26k▼ 33.4%
2024 · €39k
2022: €24klowest in 4 years
2023: €41k▲ +70.4% vs 2022highest in 4 years
2024: €39k▼ -5.0% vs 2023
2025: €26k▼ -33.4% vs 2024
2022 → 2025
Working capital
€114k▲ 71.9%
2024 · €66k
2022: €14klowest in 4 years
2023: €55k▲ +284% vs 2022
2024: €66k▲ +20.2% vs 2023
2025: €114k▲ +71.9% vs 2024highest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€255k-€387k▲ 51.9%€559k▲ 44.6%€656k▲ 17.4%
2022: €255klowest in 4 years
2023: €387k▲ +51.9% vs 2022
2024: €559k▲ +44.6% vs 2023
2025: €656k▲ +17.4% vs 2024highest in 4 years
Equity€24k-€65k▲ 170%€104k▲ 59.9%€130k▲ 25.0%
2022: €24klowest in 4 years
2023: €65k▲ +170% vs 2022
2024: €104k▲ +59.9% vs 2023
2025: €130k▲ +25.0% vs 2024highest in 4 years
Operating result€31k-€54k▲ 76.2%€53k▼ 2.0%€41k▼ 22.3%
2022: €31klowest in 4 years
2023: €54k▲ +76.2% vs 2022highest in 4 years
2024: €53k▼ -2.0% vs 2023
2025: €41k▼ -22.3% vs 2024
Net result€24k-€41k▲ 70.4%€39k▼ 5.0%€26k▼ 33.4%
2022: €24klowest in 4 years
2023: €41k▲ +70.4% vs 2022highest in 4 years
2024: €39k▼ -5.0% vs 2023
2025: €26k▼ -33.4% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€30k ▼ 20.7%
Current assets
€180k ▲ 8.4%
Equity and liabilities €210k
Equity
€130k ▲ 25.0%
Debt
€80k ▼ 19.8%
Debt's share of the balance-sheet total falls from 49.1% to 38.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €59k
Cash flow
€37k▼
2024 · €45k
Current ratio
2.71▲
2024 · 1.66
Debt to equity
0.62▼
2024 · 0.96
ROE
20.0%▼
2024 · 37.5%
ROA
12.3%▼
2024 · 19.1%
Interest coverage
61.13▲
2024 · 41.66
Debt ≤ 1 year
€66k▼
2024 · €100k
Debt > 1 year
€14k
Income taxes
€14k▲
2024 · €13k
Staff costs
€1k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€204k€210k▲
Fixed assets21/28€38k€30k▼
Tangible fixed assets22/27€38k€30k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€33k€28k▼
Current assets29/58€166k€180k▲
Amounts receivable within one year40/41€161k€175k▲
Trade receivables40€59k€31k▼
Other amounts receivable41€103k€143k▲
Cash at bank and in hand54/58€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€204k€210k▲
Equity10/15€104k€130k▲
Profit (loss) carried forward14€104k€130k▲
Amounts payable17/49€100k€80k▼
Amounts payable after more than one year17-€14k
Financial debts170/4-€14k
Amounts payable within one year42/48€100k€66k▼
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€30k€18k▼
Suppliers440/4€30k€18k▼
Taxes, remuneration and social security45€32k€26k▼
Taxes450/3€32k€26k▼
Other amounts payable47/48€38k€15k▼
Income statement
Code20242025
Turnover70€559k€656k▲
Non-recurring operating income76A€7k€8k▲
Goods, raw materials, services and sundry goods60/61€503k€604k▲
Remuneration, social security and pensions62€2k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€11k▲
Other operating charges640/8€2k€7k▲
Gross operating margin9900€63k€60k▼
Operating profit (loss)9901€53k€41k▼
Financial income75/76B€89€51▼
Recurring financial income75€89€51▼
Financial charges65/66B€1k€855▼
Recurring financial charges65€1k€855▼
Profit (loss) for the period before taxes9903€52k€40k▼
Income taxes67/77€13k€14k▲
Profit (loss) for the period9904€39k€26k▼
Profit (loss) for the period to be appropriated9905€39k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€130k▲
Profit (loss) brought forward from the previous period14P€65k€104k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | €255k | €387k | €559k | €656k | ▲ 17.4% |
| Non-recurring operating income76A | €690 | €3k | €7k | €8k | ▲ 23.4% |
| Goods, raw materials, services and sundry goods60/61 | €219k | €328k | €503k | €604k | ▲ 20.2% |
| Remuneration, social security and pensions62 | €5k | €3k | €2k | €1k | ▼ 21.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €4k | €6k | €11k | ▲ 88.4% |
| Other operating charges640/8 | €164 | €607 | €2k | €7k | ▲ 192% |
| Gross operating margin9900 | €37k | €62k | €63k | €60k | ▼ 4.1% |
| Operating profit (loss)9901 | €31k | €54k | €53k | €41k | ▼ 22.3% |
| Financial income75/76B | - | €1 | €89 | €51 | ▼ 42.7% |
| Recurring financial income75 | - | €1 | €89 | €51 | ▼ 42.7% |
| Financial charges65/66B | €241 | €694 | €1k | €855 | ▼ 39.5% |
| Recurring financial charges65 | €241 | €694 | €1k | €855 | ▼ 39.5% |
| Profit (loss) for the period before taxes9903 | €30k | €53k | €52k | €40k | ▼ 21.9% |
| Income taxes67/77 | €6k | €12k | €13k | €14k | ▲ 12.9% |
| Profit (loss) for the period9904 | €24k | €41k | €39k | €26k | ▼ 33.4% |
| Profit (loss) for the period to be appropriated9905 | €24k | €41k | €39k | €26k | ▼ 33.4% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €36k | €96k | €204k | €210k | ▲ 3.0% |
| Fixed assets21/28 | €10k | €10k | €38k | €30k | ▼ 20.7% |
| Tangible fixed assets22/27 | €10k | €10k | €38k | €30k | ▼ 20.7% |
| Plant, machinery and equipment23 | €5k | €5k | €4k | €2k | ▼ 50.4% |
| Furniture and vehicles24 | €4k | €5k | €33k | €28k | ▼ 16.8% |
| Current assets29/58 | €26k | €86k | €166k | €180k | ▲ 8.4% |
| Amounts receivable within one year40/41 | €21k | €81k | €161k | €175k | ▲ 8.3% |
| Trade receivables40 | €10k | €17k | €59k | €31k | ▼ 46.8% |
| Other amounts receivable41 | €11k | €64k | €103k | €143k | ▲ 39.9% |
| Cash at bank and in hand54/58 | €5k | €5k | €5k | €5k | ▲ 9.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €36k | €96k | €204k | €210k | ▲ 3.0% |
| Equity10/15 | €24k | €65k | €104k | €130k | ▲ 25.0% |
| Profit (loss) carried forward14 | €24k | €65k | €104k | €130k | ▲ 25.0% |
| Amounts payable17/49 | €12k | €31k | €100k | €80k | ▼ 19.8% |
| Amounts payable after more than one year17 | - | - | - | €14k | - |
| Financial debts170/4 | - | - | - | €14k | - |
| Amounts payable within one year42/48 | €12k | €31k | €100k | €66k | ▼ 33.6% |
| Financial debts43 | - | - | - | €8k | - |
| Credit institutions430/8 | - | - | - | €8k | - |
| Trade debts44 | €5k | €5k | €30k | €18k | ▼ 40.8% |
| Suppliers440/4 | €5k | €5k | €30k | €18k | ▼ 40.8% |
| Taxes, remuneration and social security45 | €6k | €19k | €32k | €26k | ▼ 19.6% |
| Taxes450/3 | €6k | €19k | €32k | €26k | ▼ 19.6% |
| Other amounts payable47/48 | - | €7k | €38k | €15k | ▼ 60.7% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €41k | €39k | €26k | ▼ 33.4% |
| + Depreciation and write-downs630 | €1k | €4k | €6k | €11k | ▲ 88.4% |
| Operating cash flow (approximation) | €25k | €45k | €45k | €37k | ▼ 17.3% |
| Investment in fixed assets (approximation) | - | €-4k | €-34k | €-3k | ▲ 90.0% |
| Change in cash | - | €-18 | €-492 | €479 | ▲ 197% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Equity above €100kEq €104k ▲59.9%
3 profitable years in a row build equity to €104k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Highest result since 2022net €41k ▲70.4%
Operating result €54k, net result €41k, both a record.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Pieters-Leeuw · 1 establishment unit since 2021
Ground area
2,459 m²
Building footprint
981 m²
Volume, LiDAR
10,821 m³
2 parcels, Brussels, Flanders · tallest building 20.6 m, ±5 floors. Linked by address, not a title deed.
510
companies at this address
See who is registered here
1 establishment unit
VUM
since 20212.361.981.474
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0118/00W082 | Flanders | 1,638 m² | 1 · 398 m² | 9.5 m · 3 fl. |
| 21812N1081/00H000 | Brussels | 821 m² | 1 · 584 m² | 20.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 6,151 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
81210General cleaning of buildings
Scores and ratios are computed by Checked and are not a credit decision.