VIOLA INTERIOR & DESIGN
ActiveThe computed 12-month bankruptcy probability of VIOLA INTERIOR & DESIGN is 2.1% (moderate). The 2025 annual accounts show equity of €52k and a net result of €5k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 19% of 27619 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-7
Solvency42▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.33 in 2024; short-term debt: 15.2% and cash: 2.1% of total assets), and 82.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 43
higher
← 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
17.1%
Return on assets
1.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27619 sector peers (2025).
NBB · sector comparisonPosition among 27619 sector peers
Solvency
better than 19%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
31 d early
2023
34 d early
2022
21 d late
2021
9 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 10.8%
2024 · €47k
2021: €35k
2022: €37k
2023: €37k
2024: €47k
2021 → 2025
Total assets
€304k▼ 2.0%
2024 · €310k
2021: €77k
2022: €400k
2023: €344k
2024: €310k
2021 → 2025
Net result
€5k▼ 47.3%
2024 · €10k
2021: €33k
2022: €2k
2023: €484
2024: €10k
2021 → 2025
Working capital
€-25k▲ 23.2%
2024 · €-32k
2021: €30k
2022: €-41k
2023: €-46k
2024: €-32k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€37k▲ 4.9%€37k▲ 1.3%€47k▲ 25.9%€52k▲ 10.8%
Operating result€42k-€4k▼ 89.3%€11k▲ 140%€22k▲ 101%€15k▼ 28.9%
Net result€33k-€2k▼ 94.8%€484▼ 72.0%€10k▲ 1,888%€5k▼ 47.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€282k▼ 4.0%
Current assets
€21k▲ 34.2%
Equity and liabilities €304k
Equity
€52k▲ 10.8%
Debt
€252k▼ 4.3%
The debt ratio falls from 84.9% to 82.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €35k
Cash flow
€17k▼
2024 · €23k
Solvency
17.1%▲
2024 · 15.1%
Current ratio
0.46▲
2024 · 0.33
Quick ratio
0.13▼
2024 · 0.22
Debt / equity
4.85▼
2024 · 5.62
ROE
9.8%▼
2024 · 20.5%
ROA
1.7%▼
2024 · 3.1%
Interest coverage
3.19▼
2024 · 3.82
Debt
€252k▼
2024 · €263k
Debt ≤ 1 year
€46k▼
2024 · €48k
Debt > 1 year
€205k▼
2024 · €215k
Income taxes
€2k▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€310k€304k▼
Fixed assets21/28€294k€282k▼
Tangible fixed assets22/27€294k€282k▼
Land and buildings22€286k€277k▼
Plant, machinery and equipment23€8k€5k▼
Financial fixed assets28-€135
Current assets29/58€16k€21k▲
Stocks and contracts in progress3€5k€15k▲
Stocks30/36€5k€15k▲
Amounts receivable within one year40/41€6k€0▼
Trade receivables40€5k€0▼
Other amounts receivable41€899€0▼
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€310k€304k▼
Equity10/15€47k€52k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€45k€50k▲
Amounts payable17/49€263k€252k▼
Amounts payable after more than one year17€215k€205k▼
Financial debts170/4€215k€205k▼
Amounts payable within one year42/48€48k€46k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€8k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€30k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€36k€28k▼
Operating profit (loss)9901€22k€15k▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€12k€7k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€10k€5k▼
Profit (loss) for the period to be appropriated9905€10k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€50k▲
Profit (loss) brought forward from the previous period14P€35k€45k▲
The notes to these accounts (10 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €484 ▼72%
Net result drops to €484, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beringen · 1 establishment unit since 2020
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.
Tumulusstraat 43583 BeringenGround area
775 m²
Building footprint
125 m²
Volume, LiDAR
590 m³
Parcel 71049A1058/00F002, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VIOLA INTERIOR & DESIGN
since 20202.310.495.656
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71049A1058/00F002 | Flanders | 775 m² | 1 · 125 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 510 EUR awarded · 510 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 510 EUR | 510 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,320 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2020
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43240Other construction installation
43299Specialised construction activities
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.