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V&COM

Active Risk: not assessed Private limited company (pre-2019)founded 2014active for 12 yearsRue Reine Astrid 13, 1473 GenappeKBO/BCE: BE 0552.770.831 #4 company by equity in Genappe, Finance and insurance sector
V&COM
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Overview

Lifetime

10 annual accounts with figures on one time axis
peak €18,615 (2023)
€7,108▲ €8,582
lowest -€74,653 (2024)
-€67,101▲ €7,552
peak €2.2m (2016)
€1.5m▼ 4.3%
€54,515▲ 7.2%
Board4 names since 2014
4 directorsDECHAMPS CECILE and 3 others
Documentsfilings and deeds
08-07-202623 days before the deadline
2025abbreviated format
Gross margin from -€1,474 to €7,108Loss of €67,101Cash from €8,269 to €17,089

Key points

from the 2025 annual accounts

Losses

-€411,538 in eight years
-65,0322018-33,1052019-40,7852020-39,4052021-41,0092022-50,4472023-74,6532024-67,1012025

Every financial year from 2018 to 2025 closed with a loss. 2024 was the heaviest.

Filings

10 annual accounts 4 late
AprilJune31 JulyOctober201520202025

The 2016 accounts came latest: 413 days after the end of the period.

Position in the sector

-€67,101

Lower net result than 92% of companies in financial services. Sector median €51,427 · 6,707 companies.

Financial institution: outside the modelBankruptcy probability: sector outside the model

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.

Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

1 signal, which does not raise the risk
1 signal.
neutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
23 days early
2024
24 days early
2023
13 days early
2022
11 days early
2021
2 days early
2020
15 days early
2019
25 days late
← 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 9 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% 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 19 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

DC
DECHAMPS CECILE
Director, since 19-05-2014
DM
DECHAMPS MAXIME
Director, since 19-05-2014
DO
DECHAMPS OLIVIER
Director, since 19-05-2014
VW
Véronique WANKENNE
Director, since 19-05-2014

Shares in 1 company, La Céruléenne

Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0552770831
Merger: V&COM takes over DECHAMPS-PRESSE Appointment: Véronique WANKENNE (statutory director) · The company holds all the shares of DECHAMPS-PRESSE · General meeting of 31-07-2023 · Gazette deed
First establishment Clos des Lilas 5, Lasne
Merger proposal: V&COM takes over DECHAMPS-PRESSE The company holds all the shares of DECHAMPS-PRESSE · Gazette deed
All 19 events

Comparable companies

same main activity, similar in size and age
Company
V&COM Genappe €1.6m €7,108 90.9% -
SARANCO Kapelle-op-den-Bos €1.7m €7,576 85.4% -
ANDAZ PARTNERS Hasselt €1.9m €7,761 5.0% -
PHARMATEL Ghent €1.6m €6,028 65.6% -
HOCA CAPITAL Hasselt €2.0m €8,802 22.8% -
RDL HOLDING Gembloux €1.5m €5,475 76.5% -
BRALECO HOLDING Destelbergen €1.4m €7,944 4.0% -

These companies have the same main activity as V&COM: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €1.4m and €2m, founded between 2013 and 2016.

Official details

Source: KBO
Status
Active since 19-05-2014Normal situation
Activity
Activities of holding companiesNACE 64210
Establishment unit
2.354.060.3361380 Lasne, since 30-08-2023
Financial year end
31 December
Peppol
Reachable since 28-01-2026
Company details

Annual accounts 2025

€67,101▼ 10.1%
€1.5m▼ 4.3%
€1.6m▼ 4.4%
Filing
Filed on 08-07-2026, 23 days before the end of the filing period
Financials

Insights on V&COM

V&COM files the abbreviated format. That format states no turnover. The gross margin rose from -€6,554 in 2015 to €7,108 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

abbreviated format, filed on 08-07-2026, 23 days before the deadline
€1.5m
▼ 4.3%
€1.6m
▼ 4.4%
-€67,101
▲ €7,552
90.9%
unchanged
-4.5%
▲ 0.3 percentage points
-4.1%
▲ 0.3 percentage points

The turnover shown is an estimate from the gross margin.

In the rankings #4 company by equity in Genappe, Finance and insurance sector#6 company by total assets in Genappe, Finance and insurance sector#6 oldest company in Genappe, Finance and insurance sector

Balance sheet

balance sheet total €1.6m on 31-12-2025
What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

90.9%

Higher than 86% of 6,708 companies in 2025.

-4.1%

Higher than 8% of 6,673 companies in 2025.

V&COM Middle half of the sector 80% of the sector Abbreviated accounts in financial services (NACE 64)

Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022202120202019201820162015
Balance sheet: assets
20/58 1.6m1.7m1.8m1.6m1.6m1.6m1.7m1.7m2.2m2.2m
21/28 1.6m1.7m1.7m1.4m1.5m1.5m1.6m1.6m2.2m2.2m
21 94,385140,007185,629183,761224,634265,507306,380347,253--
22/27 546,490581,901587,917---2155,255--
22 534,660560,174586,872-------
23 -4071,045-------
24 11,83021,320----2155,255--
28 933,680933,680933,6801.3m1.3m1.3m1.3m1.2m2.2m2.2m
29/58 63,65557,22398,544109,278109,534107,626135,112165,43724,2641,262
3 18,14821,41819,186-------
30/36 18,14821,41819,186-------
40/41 8,3068,11410,52443,58243,54443,76072,342103,57524,000-
40 8,3068,1149,97535,00035,00035,31344,13274,91524,000-
41 --5508,5828,5448,44728,21028,660--
50/53 ------761,664--
54/58 17,0898,26950,3383791,2808088222,3232641,262
490/1 20,11319,42218,49765,31764,71063,05861,87257,875--
Balance sheet: equity and liabilities
10/49 1.6m1.7m1.8m1.6m1.6m1.6m1.7m1.7m2.2m2.2m
10/15 1.5m1.6m1.6m1.6m1.6m1.6m1.7m1.7m2.2m2.2m
10/11 1.7m1.7m1.7m1.8m1.8m1.8m1.8m1.8m2.2m2.2m
100 ------1.8m1.8m2.2m2.2m
13 185,374207,037228,700600600600600600300-
130/1 600600600600600600--300-
130 ------600600--
1311 600600600600600600----
1312 --------300-
132 184,774206,437228,100-------
14 -352,358-306,919-253,929-225,145-184,136-144,731-103,946-64,841111-7,238
16 95,080106,239117,399-------
168 95,080106,239117,399-------
17/49 54,51550,85558,0011,55379235123,14123,33623,5538,200
17 --------9,0008,000
170/4 --------9,0008,000
42/48 54,51550,85558,0011,55379235119,06619,26110,928-
42 -------3,537--
44 6,85411,03721,1881,062213-7,41812,322428-
440/4 6,85411,03721,1881,062213-7,41812,322428-
45 2,3651,8431,3624915793512203,4025,000-
450/3 2,3651,8431,362491579351220943--
454/9 -------2,4595,000-
47/48 45,29637,97435,451---11,428-5,500-
492/3 ------4,0754,0753,625200
Income statement
76A -----0----
9900 7,108-1,47418,6153465112532,7136,38714,031-6,554
62 -------65--
630 81,03380,10874,15340,87340,87341,08845,91371,497--
631/4 -------5,207---
640/8 4,0974,3585,7671,76632929302,398361474
66A -----420----
9901 -78,023-85,940-61,306-42,293-40,394-42,184-38,022-67,57313,670-7,028
75/76B 5866196121,5191,6061,5534,6413,442--
75 5866196121,5191,6061,5534,6413,442--
65/66B 18222042917718322322541521211
65 18222042917718322322541521211
9903 -77,619-85,541-61,123-40,951-38,972-40,653-33,704-64,67213,149-7,238
780 11,16011,16011,160-------
67/77 64227248458433131-599361--
9904 -67,101-74,653-50,447-41,009-39,405-40,785-33,105-65,03213,149-7,238
789 21,66321,66321,663-------
9905 -45,438-52,990-28,784-41,009-39,405-40,785-33,105-65,03213,149-7,238
Appropriation of the result
9906 -352,358-306,919-253,929-225,145-184,136-144,731-97,946-64,8415,911-7,238
14P -306,919-253,929-225,145-184,136-144,731-----
691/2 --------300-
6920 --------300-
694/7 ------6,000-5,500-
695 ------6,000-5,500-
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 08-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 abbreviated format 08-07-2026 2026-00266615 PDF
31-12-2024 full format 07-07-2025 2025-00235758 PDF
31-12-2023 full format 18-07-2024 2024-00256536 PDF
31-12-2022 full format 20-07-2023 2023-00254571 PDF
31-12-2021 full format 29-07-2022 2022-20244231 PDF
31-12-2020 full format 16-07-2021 2021-36400329 PDF
31-12-2019 full format 25-08-2020 2020-44600087 PDF
31-12-2018 full format 20-01-2020 2020-01700360 PDF
30-06-2016 full format 20-03-2018 2018-07000559 PDF
30-06-2015 full format 03-03-2016 2016-05800498 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022202120202019201820162015
028,47047,49188205,00036,938531,078-2.2m
8,820-42,06949,959-901472-15-1,501--998-
90.9%90.8%90.3%99.9%100.0%100.0%98.6%98.7%98.9%99.6%
-4.5%-4.8%-3.1%-2.6%-2.5%-2.5%-2.0%-3.8%0.6%-0.3%
-4.1%-4.4%-2.8%-2.6%-2.5%-2.5%-2.0%-3.7%0.6%-0.3%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets-€28,470---
Intangible fixed assets--€47,491--
Financial fixed assets---€882-
€81,033€80,108€74,153€40,873€40,873

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on V&COM

The operating result for 2025 is a loss of €78,023, smaller than the loss of €85,940 in 2024.

Debt's share of the balance-sheet total rises from 3.0% to 3.3%. Equity is lower and debt is higher.

Board & ownership

Board

4 directors, last change in 2023
DECHAMPS CECILE
Director
since 19-05-2014
listed in the 2025 annual accounts, filed on 08-07-2026
DECHAMPS MAXIME
Director
since 19-05-2014
listed in the 2025 annual accounts, filed on 08-07-2026
DECHAMPS OLIVIER
Director
since 19-05-2014
listed in the 2025 annual accounts, filed on 08-07-2026
Véronique WANKENNE
Statutory director
since 19-05-2014 term without a fixed end
listed in the 2025 annual accounts, filed on 08-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Dans ce cas, l'assemblée générale, lors de sa première réunion, confirme ou non le mandat de l'administrateur coopté. L'administrateur…”
deed of 12-09-2023

Office holders in the KBO →

Mandates through the years

4 names, the dashed line is today
DECHAMPS CECILE
Director
DECHAMPS MAXIME
Director
DECHAMPS OLIVIER
Director
Véronique WANKENNE
Statutory director
Board
Mandates as a list
  • DECHAMPS CECILE
    • Director, from 19-05-2014 to date
  • DECHAMPS MAXIME
    • Director, from 19-05-2014 to date
  • DECHAMPS OLIVIER
    • Director, from 19-05-2014 to date
  • Véronique WANKENNE
    • Statutory director, from 19-05-2014 to date

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€1,655,600
Source
2025 annual accounts

Articles of association

deed of 12-09-2023 (in French)
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
6 June at 11:00

Network & group

Holdings

own 2025 accounts, the bar shows equity in euros
This companyV&COM1 holding, 1 country 2025 accounts

Belgium 1 Equity Result

Source: list of holdings in its own 2025 accounts. Every holding stands with its own latest accounts.

At the same address

Rue Reine Astrid 13, 1473 Genappe · 1 other company
Dechamps, Olivier (sole trader)
establishment since 15-10-2020
 founded in 2020
0834.010.453

Holdings and subsidiaries

1 holding

Holdings 1

Share, source and own figures per holding (1)
Holdings through the years 2015 to 2025
Holdings through the years
Name2015201620182019202020212022202320242025
La Céruléenne 100%
DECHAMPS-PRESSE 0.04%100%
DECHAMPS DIFFUSIONS 100%

Source: list of holdings in its own accounts

Acquisitions and mergers

1 transaction
Took over:DECHAMPS-PRESSE
BE 0459.548.881merger by absorption · Gazette deed of 12-09-2023 (4 deeds)

Connections & network

4 current directors
Depth

The network starts from the directors of V&COM. Every other company they run is a node.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

19 events since 2014

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBabbreviated format · 23 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0552770831
2025
Annual accounts 2024 filed PDFfull format · 24 days before the deadline
2024
Weakest financial year net -€74,653 The net result drops to -€74,653, the lowest from 2015 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFfull format · 13 days before the deadline
2023
Merger: V&COM takes over DECHAMPS-PRESSEAppointment: Véronique WANKENNE (statutory director) · The company holds all the shares of DECHAMPS-PRESSE · General meeting of 31-07-20236 points ▸
  • General meeting, 31-07-2023
  • The company holds all the shares of DECHAMPS-PRESSE
  • Accounting effect, 01-01-2023
  • Net-asset statement, EUR, 31-12-2022
  • Kind of shares, 21,756
  • Director appointment, Véronique WANKENNE (statutory director)
  • The deed holds 11 more points.

Open the deed in the Belgian Official Gazette

First establishment Clos des Lilas 5, Lasne
Annual accounts 2022 filed PDFfull format · 11 days before the deadline
Merger proposal: V&COM takes over DECHAMPS-PRESSEThe company holds all the shares of DECHAMPS-PRESSE2 points ▸
  • The company holds all the shares of DECHAMPS-PRESSE
  • Accounting effect, 01-01-2023
  • The deed holds 5 more points.

Open the deed in the Belgian Official Gazette

2022
Annual accounts 2021 filed PDFfull format · 2 days before the deadline
2021
Annual accounts 2020 filed PDFfull format · 15 days before the deadline
2020
Liquidity more than 43 times current ratio 306.24 The current ratio rises from 7.09 to 306.24. Short-term debt falls from €19,066 to €351.
Annual accounts 2019 filed PDFfull format · 25 days late
Annual accounts 2018 filed PDFfull format · 173 days late
2018
Liquidity more than triples current ratio 8.59 The current ratio rises from 2.22 to 8.59.
Annual accounts 2016 filed PDFfull format · 413 days late
2016
Back to profit net €13,149 The net result is €13,149, after one loss-making year.
Annual accounts 2015 filed PDFfull format · 32 days late
2014
Incorporation PDFpublished on 21-05-2014

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 19 May 2014, V&COM was incorporated.1 DECHAMPS-PRESSE was merged into the company in 2023.2 Total assets went from €1.8m in 2023 to €1.6m in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 12-09-2023
  3. 3National Bank, annual accounts 2023 and 2025

Company details

Identity

Enterprise number
0552.770.831
VAT number
BE 0552.770.831
Peppol ID
0208:0552770831
Other Peppol ID
9925:BE0552770831
Legal form
Private limited company (pre-2019)
Status
Active, normal situation
Founded
19-05-2014
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
6 June at 11:00
deed of 12-09-2023 (in French)
Peppol
Reachable since 28-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
V&COM in French
Entity type
Legal entity

Activities

NACEBEL 2025
64210 Activities of holding companies main activity
Codes under NACEBEL 2008
64200 Holdings main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“A)de dispenser des avis financiers,techniques,commerciaux ou administratifs dans le sens le plus large du terme;à l'exception des conseils…”
12 activities
  1. A)de dispenser des avis financiers,techniques,commerciaux ou administratifs dans le sens le plus large du terme;à l'exception des conseils de placement d'argent et autres,fournir son assistance et exécuter des services directement ou indirectement sur le plan de l'administration et des finances,de la vente,de la production et de la gestion en général;fournir toutes prestations de service et exécuter tous mandats sous forme d'études d'organisations,d'expertises,d'actes et de conseils techniques ou autres dans tout domaine rentrant dans son objet social;
  2. B)de concevoir,d'étudier,de promouvoir et de réaliser tous projets informatiques,bureautiques et tout ce qui s'y rapporte;
  3. C)d'effectuer des études,de programmer et de mettre en route des systèmes d'organisation,de vente,de publicité,de marketing,de mettre en application des systèmes pour traiter des données et toutes techniques en rapport avec la gestion technique,administrative,économique et générale d'entreprises;
  4. D)d'exécuter tous mandats d'administrateur,et en général,tous mandats et fonctions se rapportant directement ou indirectement à son objet;
  5. E)le développement,l'achat,la vente,la prise de licences ou l'octroi de licences,de brevets,de marques,de know-how et d'actifs mobiliers apparentés
  6. F)la prestation de services administratifs et informatiques;
  7. G)l'achat et la vente,l'importation et l'exportation,le commissionnement,le courtage et la représentation de tous biens généralement quelconques,en bref l'intermédiaire commercial;
  8. H)la recherche,le développement,la production ou la commercialisation de nouveaux produits,de nouvelles technologies et leur application;
  9. I)la contribution à la constitution de sociétés par voie d'apports,de participation ou d'investissements généralement quelconques;
  10. J)La création,la promotion,la gestion et l'organisation de tous types d'évènements de n'importe que nature,tant sportif que culturel,fêtes,réceptions,réunions,séminaires,expositions,spectacles,loisirs,festivals,manifestations,salons,foires,assemblées,meetings.
  11. L'acquisition par souscription ou achat et la gestion d'actions,d'obligations,de bons de caisse et d'autres valeurs mobilières généralement quelconques,de sociétés belges ou étrangères,existantes ou à constituer ainsi que la gestion d'un patrimoine mobilier
  12. La constitution et la gestion d'un patrimoine immobilier et la location-financement de biens immeubles aux tiers,l'acquisition par l'achat ou autrement,la vente,l'échange,la construction,la transformation,l'amélioration,l'équipement,l'aménagement,l'embellissement,l'entretien,la location,la prise en location,le lotissement,la prospection et l'exploitation de biens immobiliers,ainsi que toutes opérations qui,directement ou indirectement sont en relation avec cet objet et qui sont de nature à favoriser l'accroissement et le rapport d'un patrimoine immobilier,de même que se porter caution pour la bonne fin d'engagements pris par des tiers qui auraient la jouissance de ces biens immobiliers;
deed of 07-04-2023 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue Reine Astrid 13 registered office 1473 Genappe
Clos des Lilas 5 1380 Lasne 47120 Other non-specialised retail sale 30-08-2023 2.354.060.336

Buildings and parcels at the addresses

Ground area
4,596 m²
Buildings
349 m²
Volume, LiDAR
1,885 m³
Tallest building
8.8 m
Buildings to scale, each on its own parcel
302 m², 7.1 m 47 m², 8.8 m 302 m², 7.1 m 47 m², 8.8 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
25076A0448/00W0003,977 m² 1 · 302 m² 7.1 m · 2
25034D0236/00H000620 m² 1 · 47 m² 8.8 m · 3

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