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 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 3,242 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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Official details

KBO

Status: Active since 28-06-2000 Normal situation
Legal form: Public limited company
Registered office: Aux Grands Arbres 12, 4050 Chaudfontaine
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

Who decides

Board

BK HOLDINGDirector · permanent representative KULBERTUS Bernard

Shareholders

BK HOLDING99.96%annual accounts 2024

Board & ownership

How it is doing

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 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

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

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)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Caution: Among the weakest 5% on net resultsector median €30,408 · 3,245 companies -€25,479 View
Caution: 2 loss-making years in a rowloss financial year 2024 -€25,479 View

Documents

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.?: 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)

Companies related to V.I.A.R.D.

Parent and group

BK HOLDING99.96%

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Overview