Equity
€582,563 from €1.1m in 2016
Equity fell by 48% in 9 years.
VUURPUNT
Lifetime
14 annual accounts with figures on one time axispeak €716,281 (2025)
€716,281▲ 22.3%
lowest -€57,531 (2025)
-€57,531▼ €85,129
peak €1.1m (2016)
€582,563▼ 9.0%
€507,387▲ 170%
peak 8.4 FTE (2021)
7.2 FTEunchanged
Board2 names since 2020
1 directorBarbary
Owners
100%Barbary
Documentsfilings and deeds
23-06-202638 days before the deadline
2025abbreviated format
Gross margin from €585,439 to €716,281Loss of €57,531Company renamed from MORTIER VURIG VAKMANSCHAP to VUURPUNT 15-10Debts from €188,202 to €507,387Investments €253,743Cash from €130,049 to €87,870
Key points
from the 2025 annual accountsResult
-€57,531 -€57,531
From profit to loss in 2025, after a profit of €27,597 in 2024.
Debts
€507,387 ▲ 170%
Debts rose by €319,185 in 2025.
Investments
€253,743 3.3 × depreciation
Green is investment, beige is depreciation. Machinery stands 186.1% higher than in 2024.
Staff
11 employees on 31-12-2025
In 2025, 10 people joined and 5 left.
Position in the sector
-€57,531
Lower net result than 94% of companies in specialised construction. Sector median €26,646 · 9,965 companies.
Checked score
67
Healthy
Financially stronger than 35% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.4%▲ +0.1 percentage points vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025
08-2025: 0.8%▲ +0.3 percentage points vs 07-2025highest value
09-2025: 0.2%▼ -0.6 percentage points vs 08-2025lowest value
10-2025: 0.2%● unchanged vs 09-2025lowest value
11-2025: 0.2%● unchanged vs 10-2025lowest value
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.8%▲ +0.6 percentage points vs 06-2026
08-2026: 0.8%● unchanged vs 07-2026
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Loss of €57,531 (financial year 2025)
Size: 7.2 FTE, total assets €1.1m
Sector: Specialised construction activities (NACE 43)
lowers risk
Founded in 2011
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 58% of them on solvency, 36% on liquidity, 20% on profitability and 25% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as VUURPUNT has now. Each dot stands for 18 companies, two years later.
90.8%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of VUURPUNT itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for VUURPUNT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.08 (4.04 in 2024), above the usual 1.5. Short-term debt is 33% and cash 8.1% of total assets. 46.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 days early
2024
28 days late
2023
146 days early
2022
3 days late
2021
11 days late
2020
122 days early
2019
46 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 44 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 August (4 of the last 5 accounts filed within 41 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Recent changes
Company renamed from MORTIER VURIG VAKMANSCHAP to VUURPUNT
General meeting of 09-10-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0841323461
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VUURPUNT Middelkerke | €1.1m | €716,281 | 53.4% | 7.2 |
| VDB AIRTECHNICS Ostend | €1.1m | €685,694 | 45.4% | 8.6 |
| DEROLUCQ Nazareth-De Pinte | €1.0m | €653,101 | 52.4% | 7.7 |
| ATS STEVENS Pelt | €1.2m | €841,929 | 17.6% | 8.1 |
| DILLEN Stekene | €1.1m | €915,902 | 36.7% | 7.8 |
| PLANCKAERT TECHNICS Lendelede | €1.1m | €641,758 | 47.0% | 5.7 |
| CHAUFFAGE SANITAIR KEVIN SABBE Jabbeke | €1.3m | €728,769 | 21.0% | 7 |
These companies have the same main activity as VUURPUNT: installation of electric heating, air conditioning, cooling and ventilation (NACE 43222). They are comparable in size and age: total assets between €961,000 and €1.3m, founded between 2010 and 2014.
Official details
Source: KBO- Status
- Active since 25-11-2011Normal situation
- Activity
- Installation of electric heating, air conditioning, cooling and ventilationNACE 43222and 2 others
- Joint committees
- 149.04Metal trade
- 201Independent retail · annual accounts 2025
- Establishment unit
- 2.207.720.0978430 Middelkerke, since 25-11-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Annual accounts 2025
- ≈ €1.8mestimated
- €1.1m▲ 31.6%
- Employeeson 31-12-2025
- 11▲ 83.3%
- Filing
- Filed on 23-06-2026, 38 days before the end of the filing period
Insights on VUURPUNT
VUURPUNT files the abbreviated format. That format states no turnover. The gross margin rose from €369,632 in 2012 to €716,281 in 2025.
Barbary holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VUURPUNT
- What is the company number of VUURPUNT?
- The company number of VUURPUNT is 0841.323.461. The VAT number is the same number with BE in front: BE 0841.323.461.
- Where is VUURPUNT based?
- The registered office is at Rietstraat 56, 8430 Middelkerke.Company details
- What does VUURPUNT do?
- According to the KBO register, the main activity is installation of electric heating, air conditioning, cooling and ventilation (NACE 43222).
- What is the legal form of VUURPUNT?
- VUURPUNT is a private limited company (BV).
- When was VUURPUNT founded?
- VUURPUNT was founded on 25-11-2011.
- Is VUURPUNT still active?
- Yes, VUURPUNT is an active enterprise in the KBO register.
- How many employees does VUURPUNT have?
- VUURPUNT had an average of 7.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does VUURPUNT fall under?
- In its 2025 annual accounts, VUURPUNT states joint committees 149.04 (Metal trade) and 201 (Independent retail).
- What is the turnover of VUURPUNT?
- The turnover in financial year 2025 is ≈ €1.8m. This figure is estimated from the gross margin of €716,281 and 46 comparable companies (NACE 432). It probably lies between €1.5m and €2.3m.
- Is VUURPUNT profitable?
- In financial year 2025, VUURPUNT made a loss of €57,531.
- Where can I find the annual accounts of VUURPUNT?
- VUURPUNT filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VUURPUNT due?
- VUURPUNT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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