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V.I.A.R.D.

Active
Public limited companyfounded 2000active for 26 yearsAux Grands Arbres 12, 4050 Chaudfontaine, BelgiumKBO/BCE: BE 0472.212.034
Summary

V.I.A.R.D. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For V.I.A.R.D., one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €54,525 and a net result of -€25,479. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 3,246 sector peers (NACE 66, financial year 2024). The company has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals.

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V.I.A.R.D.Active
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Overview

Activity
Insurance agents and brokers
NACE 66220
1 site
Size
€79,600total assets 2024
Staff
≈ 0.7 FTE, estimated
Equity
€54,525
Loss
-€25,479
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Parent
BK HOLDING · 99.96%
  • BK HOLDINGDirector · permanent representative KULBERTUS Bernard
2025 accounts not filed, 90 days past the deadline2 of 13 deeds summarised
Signalsraises riskAnnual accounts not filed2024 accounts filed 122 days lateShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: One filing cycle is missing
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

Two signals.
raises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 90 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline29-10-2026 today
raises risk · 2024 accounts filed 122 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-11-2025, 122 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
122 days late
2023
40 days late
2022
25 days late
2021
31 days late
2020
60 days late
2019
120 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 66 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…
  3. Resignations: KULBERTUS Bernard (director) and BK…Appointment: BK HOLDING (administrateur unique)…

Key points

  • Caution: Among the weakest 5% on net resultsector median €30,408 · 3,249 companies -€25,479 View
  • Caution: 2025 accounts not fileddeadline was 31-07-2026 90 days past the deadline View
  • Controlled by BK HOLDING 99.96% View
  • Caution: 2 loss-making years in a rowloss financial year 2024 -€25,479 View

By topic

Financials

Financial year
2024
Total assets
€79,600
Loss
-€25,479
Solvency
68.5%
Total assets▼ 33.6%
Net result
20182024
Go to Financials

Timeline

Events
31
Since
2001
  1. 25-08-2023Annual accounts filed
  2. 05-04-2023Resignation: Kulbertus Bernard (director)
  3. 31-12-2022Highest result from 2018 to 2024
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Insurance agents and brokersNACE 66220
Founded
28-06-2000
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

Key facts about V.I.A.R.D.

What is the company number of V.I.A.R.D.?
0472.212.034. In Belgium the VAT number is the company number with BE in front: BE 0472.212.034.
Where is V.I.A.R.D. based?
The registered office is at Aux Grands Arbres 12, 4050 Chaudfontaine.Company details
What does V.I.A.R.D. do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of V.I.A.R.D.?
Public limited company (NV).
When was V.I.A.R.D. founded?
On 28-06-2000.
Is V.I.A.R.D. still active?
Yes, V.I.A.R.D. is an active enterprise in the KBO register.
How many employees does V.I.A.R.D. have?
On average 1.1 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
What is the turnover of V.I.A.R.D.?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is V.I.A.R.D. profitable?
In financial year 2024, V.I.A.R.D. made a loss of €25,479.
Where can I find the annual accounts of V.I.A.R.D.?
V.I.A.R.D. filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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