VIART
ActiveSummary
VIART has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.18M and a net result of €72k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 89% of 2045 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+6
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 3.49 against 4.68 in 2024; short-term debt: 20.6% and cash: 24.6% of total assets), and 20.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
79.4%
Return on assets
4.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
4 d late
2023
on the day
2022
21 d early
2021
2 d early
2020
13 d early
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.32M
EBIT margin
4.8%
Net result
€72k▲ 1,720%
2024 · €4k
2019: €35k
2020: €25k
2021: €17k
2022: €145k
2023: €55k
2024: €4k
2019 → 2025
Working capital
€760k▲ 6.0%
2024 · €717k
2019: €755k
2020: €770k
2021: €782k
2022: €920k
2023: €683k
2024: €717k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.32M
Equity€903k-€1.05M▲ 16.1%€1.10M▲ 5.3%€1.11M▲ 0.4%€1.18M▲ 6.5%
Operating result€14k-€152k▲ 977%€64k▼ 58.3%€6k▼ 90.4%€87k▲ 1,321%
Net result€17k-€145k▲ 755%€55k▼ 61.8%€4k▼ 92.9%€72k▲ 1,720%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,321% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€418k ▲ 7.3%
Current assets
€1.07M ▲ 16.8%
Equity and liabilities €1.48M
Equity
€1.18M ▲ 6.5%
Debt
€305k ▲ 56.5%
Debt's share of the balance-sheet total rises from 15.0% to 20.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€188k▲
2024 · €92k
Cash flow
€173k▲
2024 · €90k
Current ratio
3.49▼
2024 · 4.68
Quick ratio
3.40▼
2024 · 4.57
Debt to equity
0.26▲
2024 · 0.18
ROE
6.1%▲
2024 · 0.4%
ROA
4.8%▲
2024 · 0.3%
Interest coverage
42.31▼
2024 · 56.55
Debt ≤ 1 year
€305k▲
2024 · €195k
Income taxes
€21k▲
2024 · €6k
Staff costs
€471k▲
2024 · €353k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.30M€1.48M▲
Fixed assets21/28€390k€418k▲
Tangible fixed assets22/27€389k€417k▲
Land and buildings22€68k€68k=
Plant, machinery and equipment23€5k€15k▲
Furniture and vehicles24€316k€334k▲
Financial fixed assets28€1k€1k=
Current assets29/58€912k€1.07M▲
Stocks and contracts in progress3€21k€28k▲
Stocks30/36€21k€28k▲
Amounts receivable within one year40/41€621k€655k▲
Trade receivables40€7k€34k▲
Other amounts receivable41€614k€621k▲
Cash at bank and in hand54/58€252k€365k▲
Deferred charges and accrued income490/1€19k€18k▼
Equity and liabilities
Total equity and liabilities10/49€1.30M€1.48M▲
Equity10/15€1.11M€1.18M▲
Contributions10/11€400k€400k=
Reserves13€167k€150k▼
Non-distributable reserves130/1€40k€40k=
Reserves not available under the articles1311€40k€40k=
Tax-exempt reserves132€56k€39k▼
Distributable reserves133€71k€71k=
Profit (loss) carried forward14€540k€629k▲
Amounts payable17/49€195k€305k▲
Amounts payable within one year42/48€195k€305k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€52k€113k▲
Suppliers440/4€52k€113k▲
Advances received on contracts in progress46-€135k
Taxes, remuneration and social security45€37k€45k▲
Taxes450/3€7k€11k▲
Remuneration and social security454/9€31k€34k▲
Other amounts payable47/48€94k-
Income statement
Code20242025
Remuneration, social security and pensions62€353k€471k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€101k▲
Other operating charges640/8€11k€15k▲
Gross operating margin9900€456k€675k▲
Operating profit (loss)9901€6k€87k▲
Financial income75/76B€6k€10k▲
Recurring financial income75€6k€10k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€10k€92k▲
Income taxes67/77€6k€21k▲
Profit (loss) for the period9904€4k€72k▲
Transfer from tax-exempt reserves789€17k€17k=
Profit (loss) for the period to be appropriated9905€21k€89k▲
Appropriation of the result
Profit (loss) to be appropriated9906€540k€629k▲
Profit (loss) brought forward from the previous period14P€519k€540k▲
Social balance
Average headcount (FTE)90879.09.3▲
The notes to these accounts (8 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2024
30-06
Financial
Weakest financial yearnet €4k ▼92.9%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Highest result since 2019net €145k ▲755%
Operating result €152k, net result €145k, both a record.
30-06
Financial
Equity above €1MEq €1.05M ▲16.1%
4 profitable years in a row build equity to €1.05M.
29-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
18-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
26-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
09-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
18-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Saint-Ghislain · 1 establishment unit since 1995
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.
Rue des Volontaires de Guerre 27330 Saint-GhislainGround area
635 m²
Building footprint
156 m²
Volume, LiDAR
1,302 m³
2 parcels, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VIART
since 19952.072.336.704
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53041A0017/00V012 | Wallonia | 491 m² | 1 · 65 m² | 6.0 m · 2 fl. |
| 53070B0024/00A017 | Wallonia | 143 m² | 1 · 91 m² | 12.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 8,561 companies in sector 43410 we hold annual accounts for 4,357. 1,854 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-1995
Fiscal year end30-06
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:viart@skynet.be