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V.I.C.

Active
Private limited companyfounded 20205 yrs activeSint-Servaesstraat 260, 1910 Kampenhout, BelgiumKBO/BCE: BE 0758.397.666
Summary

V.I.C. has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,754 and a net result of €8,011. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 11547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency34▲+34
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 11547 sector peers (2025).
NBB · sector comparison
Position among 11547 sector peers
Solvency
better than 25%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
13 d early
2024
2 d early
2023
48 d late
2022
194 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 57 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 24 May (3 of the last 4 filed years within 37 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

V.I.C. was incorporated on 13 November 2020 as a Private limited company.1 Total assets rose from EUR 10,229 in 2022 to EUR 31,956 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€2,754
2024 · -€5,257
Total assets
€31,956▲ 54.8%
2024 · €20,644
Net result
€8,011
2024 · -€6,507
Working capital
€2,754
2024 · -€5,257
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result-€3,487-€377-€6,461€8,523
Net result-€3,818below the sector's middle half-€68within the sector's middle half-€6,507below the sector's middle half€8,011within the sector's middle half
Equity€1,182below the sector's middle half-€1,250below the sector's middle half▲ 5.7%-€5,257below the sector's middle half€2,754below the sector's middle half
Total assets€10,229below the sector's middle half-€9,856below the sector's middle half▼ 3.6%€20,644below the sector's middle half▲ 109%€31,956below the sector's middle half▲ 54.8%
Debt€9,047-€8,606▼ 4.9%€25,901▲ 201%€29,202▲ 12.7%
Working capital€1,182within the sector's middle half-€1,250within the sector's middle half▲ 5.7%-€5,257within the sector's middle half€2,754within the sector's middle half
Solvency11.6%within the sector's middle half-12.7%within the sector's middle half▲ 1.1pp-25.5%below the sector's middle half▼ 38.1pp8.6%below the sector's middle half▲ 34.1pp
Current ratio1.13within the sector's middle half-1.15within the sector's middle half▲ 0.010.80below the sector's middle half▼ 0.351.09within the sector's middle half▲ 0.30
Return on assets (ROA)-37.3%below the sector's middle half-0.7%within the sector's middle half▲ 38.0pp-31.5%below the sector's middle half▼ 32.2pp25.1%above the sector's middle half▲ 56.6pp
Staff (FTE)1.31.2▼ 7.7%
above within below the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000-€5,000€0€5,000€10,000Operating result 2022: -€3,487-€3,487Net result 2022: -€3,818-€3,818Operating result 2023: €377€377Net result 2023: €68€68Operating result 2024: -€6,461-€6,461Net result 2024: -€6,507-€6,507Operating result 2025: €8,523€8,523Net result 2025: €8,011€8,0112022202320242025-€10,000-€5,000€0€5,000€10,000Operating result 2023: €377€377Net result 2023: €68€68Operating result 2024: -€6,461-€6,460Net result 2024: -€6,507-€6,510Operating result 2025: €8,523€8,520Net result 2025: €8,011€8,010202320242025
The operating result returns to profit in 2025: €8,523 after a loss of €6,461 in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €31,956
Equity €2,754
Debt €29,202
Debt finances 91.4% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
Debt to equity
10.60▲
2024 · -4.93
ROE
290.9%
Debt ≤ 1 year
€29,202▲
2024 · €25,901
Income taxes
€29
Staff costs
€50,971▲
2024 · €32,928
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 5 to 10 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
1.7% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,153 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet Code20242025
Assets
Total assets20/58€20,644€31,956▲
Current assets29/58€20,644€31,956▲
Amounts receivable within one year40/41€14,405€28,478▲
Trade receivables40€14,405€26,783▲
Other amounts receivable41-€1,695
Cash at bank and in hand54/58€1,239€3,267▲
Deferred charges and accrued income490/1€5,000€211▼
Equity and liabilities
Total equity and liabilities10/49€20,644€31,956▲
Equity10/15-€5,257€2,754▲
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14-€10,257-€2,246▲
Amounts payable17/49€25,901€29,202▲
Amounts payable within one year42/48€25,901€29,202▲
Trade debts44€3,940€3,820▼
Suppliers440/4€3,940€3,820▼
Taxes, remuneration and social security45€16,731€20,338▲
Taxes450/3€4,577€9,448▲
Remuneration and social security454/9€12,154€10,889▼
Other amounts payable47/48€5,230€5,045▼
Income statement Code20242025
Remuneration, social security and pensions62€32,928€50,971▲
Other operating charges640/8-€637
Gross operating margin9900€26,468€60,132▲
Operating profit (loss)9901-€6,461€8,523▲
Financial charges65/66B€47€483▲
Recurring financial charges65€47€483▲
Profit (loss) for the period before taxes9903-€6,507€8,040▲
Income taxes67/77-€29
Profit (loss) for the period9904-€6,507€8,011▲
Profit (loss) for the period to be appropriated9905-€6,507€8,011▲
Appropriation of the result
Profit (loss) to be appropriated9906-€10,257-€2,246▲
Profit (loss) brought forward from the previous period14P-€3,750-€10,257▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Remuneration, social security and pensions62--€32,928€50,971▲ 54.8%
Other operating charges640/8€816€100-€637-
Gross operating margin9900-€2,671€477€26,468€60,132▲ 127%
Operating profit (loss)9901-€3,487€377-€6,461€8,523▲ 232%
Financial charges65/66B€331€310€47€483▲ 939%
Recurring financial charges65€331€310€47€483▲ 939%
Profit (loss) for the period before taxes9903-€3,818€68-€6,507€8,040▲ 224%
Income taxes67/77---€29-
Profit (loss) for the period9904-€3,818€68-€6,507€8,011▲ 223%
Profit (loss) for the period to be appropriated9905-€3,818€68-€6,507€8,011▲ 223%
Line2022202320242025Change
Assets
Total assets20/58€10,229€9,856€20,644€31,956▲ 54.8%
Current assets29/58€10,229€9,856€20,644€31,956▲ 54.8%
Stocks and contracts in progress3€4,856€3,808---
Stocks30/36€4,856€3,808---
Amounts receivable within one year40/41€4,396€5,172€14,405€28,478▲ 97.7%
Trade receivables40€3,460€4,028€14,405€26,783▲ 85.9%
Other amounts receivable41€936€1,143-€1,695-
Cash at bank and in hand54/58€978€877€1,239€3,267▲ 164%
Deferred charges and accrued income490/1--€5,000€211▼ 95.8%
Equity and liabilities
Total equity and liabilities10/49€10,229€9,856€20,644€31,956▲ 54.8%
Equity10/15€1,182€1,250-€5,257€2,754▲ 152%
Contributions10/11€5,000€5,000€5,000€5,000=
Profit (loss) carried forward14-€3,818-€3,750-€10,257-€2,246▲ 78.1%
Amounts payable17/49€9,047€8,606€25,901€29,202▲ 12.7%
Amounts payable within one year42/48€9,047€8,606€25,901€29,202▲ 12.7%
Trade debts44€696€3,376€3,940€3,820▼ 3.0%
Suppliers440/4€696€3,376€3,940€3,820▼ 3.0%
Advances received on contracts in progress46€3,351----
Taxes, remuneration and social security45--€16,731€20,338▲ 21.6%
Taxes450/3--€4,577€9,448▲ 106%
Remuneration and social security454/9--€12,154€10,889▼ 10.4%
Other amounts payable47/48€5,000€5,230€5,230€5,045▼ 3.5%
Line2022202320242025Change
Profit (loss) for the period9904-€3,818€68-€6,507€8,011▲ 223%
Operating cash flow (approximation)-€3,818€68-€6,507€8,011▲ 223%
Change in cash--€101€362€2,028▲ 460%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
17-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial Back to profitnet €8,011
Net result €8,011 after one loss-making year.
28-04
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial Weakest financial yearnet -€6,507
Net result drops to -€6,507, the lowest in the series; recovery starts the following year.
17-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
10-11
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 194 days late
30-09
Financial Back to profitnet €68
Net result €68 after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kampenhout · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
1,386 m²
Building footprint
241 m²
Volume, LiDAR
1,216 m³
Parcel 23008B0066/00D000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
V.I.C.
Sint-Servaesstraat 260, 1910 KampenhoutAgents in the wholesale of timber and building materials
since 20202.357.552.831
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23008B0066/00D000 Flanders 1,386 m² 1 · 241 m² 7.2 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 1,136 companies in sector 46130 we hold annual accounts for 647. 134 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded13-11-2020
Fiscal year end30-09
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
46391Wholesale trade
82990Other business support services
Contact
E-mail gillesverschueren@msn.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0758397666
Also 9925:BE0758397666
Registered 23-09-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.