V Finance
V Finance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1k and a net result of €7. Its solvency ranks better than 12% of 765 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €1k |
| Net result | €7 |
| Staff (FTE) | 1.8 |
| Better than sector | 12% |
Fragile profile, watch health in particular.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 0.3% | 38.9% | |
| Net result | €7 | €28k | |
| Equity | €1k | €63k | |
| Gross operating margin | €106k | €67k | |
| Staff costs | €70k | €63k |
| Fiscal year | 2024 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €7 |
| Cash flow | n/a |
| Staff costs | €70k |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €291k |
| Equity | €1k |
| Debt | €290k |
| of which ≤ 1y | €96k |
| of which > 1y | €194k |
| Working capital | n/a |
| Employees (FTE) | 1.8 |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 0.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 0.0% |
| ROE | 0.7% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €291k |
| Fixed assets | 21/28 | €227k |
| Intangible fixed assets | 21 | €227k |
| Current assets | 29/58 | €64k |
| Amounts receivable within one year | 40/41 | €64k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €291k |
| Equity | 10/15 | €1k |
| Contributions / capital | 10/11 | €1k |
| Reserves | 13 | €7 |
| Amounts payable | 17/49 | €290k |
| Amounts payable after one year | 17 | €194k |
| Amounts payable within one year | 42/48 | €96k |
| Trade debts payable within one year | 44 | €7k |
| Income statement | ||
| Gross operating margin | 9900 | €106k |
| Operating result | 9901 | €11k |
| Financial income | 75 | €9 |
| Financial charges | 65 | €9k |
| Result before taxes | 9903 | €2k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €7 |
| Result to be appropriated | 9905 | €7 |
| NACE primary | 66191 |
| Legal form | Private limited company(610) |
| Incorporation | 04-09-2023 |
| Status | Active |
| Postal code | 2970 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0309/00E003 | Flanders | 1,235 m² | 1 · 164 m² | 13.7 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
09-01-2026 Smets Jan resigns as director
- Smets Jan, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Smets Jan",
"address": null,
"birth_date": null
},
"via_org": {
"kbo": "0805417328",
"name": "Smets Consulting, Insurance \u0026 Finance BV",
"address": null,
"country": null,
"legal_form": null
},
"effective_date": "2025-10-01",
"evidence_quote": "Uit het verslag van de bijzondere algemene vergadering van aandeelhouders de dato 1 oktober 2025 blijkt dat met \u00E9\u00E9nparigheid van stemmen wordt beslist om Smets Consulting, Insurance \u0026 Finance BV, vertegenwoordigd door de heer Smets Jan, te ontslaan als bestuurder vanaf heden. Er wordt hem volledige ",
"discharge_granted": true
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0805.417.328",
"name_full": "V FINANCE",
"legal_form": "BV"
}
}24-01-2024 Smets Jan appointed as director
- Smets Jan, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Smets Jan",
"address": null,
"birth_date": null
},
"via_org": {
"kbo": "0846512367",
"name": "Smets Consulting BV",
"address": null,
"country": null,
"legal_form": null
},
"effective_date": "2024-01-24",
"evidence_quote": "Uit het verslag van de bijzondere algemene vergadering van aandeelhouders de dato 6 december 2023 blijkt dat na beraadslaging wordt beslist Smets Consulting BV met als Ondernemingsnummer BE0846.512.367, met als vast vertegenwoordiger de heer Smets Jan (61.02.09-209-40), als bestuurder te benoemen me"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0805.417.328",
"name_full": "V FINANCE",
"legal_form": "BV"
}
}06-09-2023 Incorporation of a new BV
Technical details
{
"kind": "oprichting",
"seat": "2970 Schilde, Akkerstraat 51",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": null,
"name": "VERHEIJEN Peter Albert Ronald",
"niss": null,
"address": "2970 Schilde, Akkerstraat 51"
},
"share_class": "A",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1000,
"holder_person_name": "VERHEIJEN Peter Albert Ronald",
"is_subscriber_only": true,
"n_shares_subscribed": 100,
"amount_subscribed_eur": 1000,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 1000,
"subject_company": {
"kbo": "0805.417.328",
"name_full": "V Finance",
"legal_form": "BV"
},
"initial_directors": [],
"incorporation_date": "2023-09-01",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | V Finance |