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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

From the official registers: KBO 25 annual accounts at the National Bank publications in the Belgian Official Gazette

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 annual filing is missing. The 2024 annual accounts show equity of €54,525 and a net result of -€25,479. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 68% of 3,243 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

Official details

KBO
Status
Active since 28-06-2000 Normal situation
Activity
Insurance agents and brokers NACE 66220
Establishment unit
2.096.856.126 4050 Chaudfontaine, since 12-12-2000
Financial year end
31 December
Peppol
Not found in the Peppol Directory
Company details

Board and ownership

Board
  • BK HOLDINGDirector · permanent representative KULBERTUS Bernard
Shareholders
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2024
Loss
€25,479
▼ 6.1%
Equity
€54,525
▼ 31.8%
Total assets
€79,600
▼ 33.6%
Staff
≈ 0.7 FTE
estimated
2025 accounts not filed, 93 days past the deadline
Filed on 30-11-2025PDF
Financials
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 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.
Filing: One annual filing is missing
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.

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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, 93 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline01-11-2026 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

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

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 95% of companies in auxiliary financial servicessector median €30,408 · 3,246 companies -€25,479 View
  • Caution: 2 loss-making years in a rowloss in financial year 2024 -€25,479 View

Comparable companies

These companies have the same main activity as V.I.A.R.D.: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €56,100 and €106,000, founded between 1997 and 2010.

CompanyTotal assetsGross margin
V.I.A.R.D. Chaudfontaine€79,600-€2,146
FRAGAPANE INVEST Binche€72,945-€5,644
CEMA Berlaar€84,756€1,484
SIX-BRAS GEST Profondeville€56,127-€10,467
FINVEST Management Lasne€70,174-€8,829
BUSINESS UNIT NCI - GTS MANAGEMENT Walcourt€106,414-€16,583
ChampVert Management Koksijde€79,509-€15,234
Full comparison

Documents

Annual accounts at the NBB

All 25 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about V.I.A.R.D.
What is the company number of V.I.A.R.D.?
The company number of V.I.A.R.D. is 0472.212.034. The VAT number is the same 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.?
The legal form of V.I.A.R.D. is Public limited company (NV).
When was V.I.A.R.D. founded?
V.I.A.R.D. was 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?
V.I.A.R.D. had an average of 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.?
The annual accounts for financial year 2024 state no turnover. The micro format does not require it.
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.Annual accounts 2024 (PDF)

Next steps

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