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I - Vestplan

Active
Public limited companyfounded 198046 yrs activeAvenue Marivaux 5, 1300 Wavre, BelgiumKBO/BCE: BE 0420.518.556
Summary

I - Vestplan has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.9m and a net result of €26,487. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 84% of 10466 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
I - VestplanActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
#4 oldest company in Wavre, Real estate sector1 site
Size
€2.4mtotal assets 2025
Staff
1 FTE
Equity
€1.9m
Profit
€26,487
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 46 d early1 of 8 deeds read
Why 96+ Liquidity: current ratio 3.17, cash €1.2m+ Size: total assets €2.4m+ Equity €1.9m (79.2% of total assets)+ Founded in 1980Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 70% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 79.2% of total assets
Liquidity 97-3
short-term debt 15.4% · cash 48.5%
Profitability 70=
return on assets 1.1%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,938 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%▼ -4.0% vs 12-2024 02-2025: < 0.1%▲ +4.2% vs 01-2025 03-2025: < 0.1%▲ +8.0% vs 02-2025 04-2025: < 0.1%▲ +3.7% vs 03-2025 05-2025: < 0.1%▲ +3.6% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%▲ +13.8% vs 06-2025highest value 08-2025: < 0.1%▼ -39.4% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -5.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%▲ +15.8% vs 02-2026 04-2026: < 0.1%▼ -9.1% vs 03-2026 05-2026: < 0.1%▲ +5.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▼ -9.5% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 3.17, cash €1.2m lowers the probability
  • Size: total assets €2.4m lowers the probability for this profile
  • Equity €1.9m (79.2% of total assets) lowers the probability
  • Founded in 1980 lowers the probability for this profile
Credit up to €180,000 at 30 days acceptable
Liquidity ample (current ratio 3.17 against 7.61 in 2024; short-term debt: 15.4% and cash: 48.5% of total assets), and 20.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, small). Better than this share of them on solvency 92%, liquidity 98%, profitability 72%, growth against the median 19%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 3.17, cash €1.2m
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €2.4m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €1.9m (79.2% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1980
In the bankruptcy model this factor lowers the probability for this profile.
KBO
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
46 d early
2024
31 d early
2023
27 d late
2022
4 d late
2021
24 d early
2020
53 d early
2019
90 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

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. Usually files around 7 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. General meeting · Registered-office moveState Gazette act
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Oldest company in Wavre, Real estate sectorin the Checked rankings #4 View
  • Active since 1980founded 15-04-1980 46 years View
  • Total assets 20256 fiscal years filed €2.4m View

By topic

Financials

Fiscal year
2025
Total assets
€2.4m
Profit
€26,487
Solvency
79.2%
Total assets▼ 4.6%
Net result
20182025
Go to Financials

Timeline

Events
18
Since
2017
Next accounts
by 31-07-2027
  1. 23-09-2026General meeting · Registered-office move
  2. 15-06-2026Annual accounts filed
  3. 30-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
15-04-1980
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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