Equity
€204,334 ▲ 61.5%
Equity rose in 2025 from €126,505 to €204,334.
VANCO
Overview
Lifetime
3 annual accounts with figures on one time axispeak €131,678 (2024)
€124,655▼ 5.3%
peak €93,191 (2024)
€77,829▼ 16.5%
peak €204,334 (2025)
€204,334▲ 61.5%
€110,647▼ 14.6%
Board1 name since 2023
1 directorVAN HAM Benny Guido Hendrik Maria
Documentsfilings and deeds
14-10-202675 days late
2025micro format
Equity from €126,505 to €204,334
Key points
from the 2025 annual accountsChecked score
93
Excellent
Financially stronger than 69% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.2%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 75 days late; 2 of the last 3 accounts late
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.13, cash €82,181
Equity €204,334 (64.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 60% of them on solvency, 64% on liquidity, 69% on profitability and 83% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as VANCO has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VANCO itself is lower: 0.2% within 12 months. It rests on far more data about VANCO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for VANCO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €19,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.13 (0.82 in 2024), above the usual 1.5. Short-term debt is 26.5% and cash 26.1% of total assets. 35.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 75 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-10-2026, 75 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
75 days late
2024
31 days late
2023
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 45 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (3 of the last 3 accounts filed within 44 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0802916708
Incorporation
Appointment: VAN HAM Benny Guido Hendrik Maria (director) · Permanent representative: VAN HAM Benny Guido Hendrik Maria · Founder: VAN HAM Benny Guido Hendrik Maria · published on 22-06-2023 · Gazette deed
First establishment
Fazantenstraat 27, Ranst
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VANCO Ranst | €314,981 | €124,655 | 64.9% | - |
| NELSHOF Ranst | €272,203 | €129,741 | 84.3% | - |
| FALCON FINANCIAL MANAGEMENT Puurs-Sint-Amands | €322,356 | €114,951 | 42.1% | - |
| L'Office Zandhoven | €285,161 | €116,407 | 23.9% | - |
| BARAYE Antwerp | €289,611 | €118,270 | 85.4% | - |
| LUNOVA Herselt | €307,615 | €142,553 | 62.7% | - |
| BELORION Antwerp | €286,811 | €135,883 | 75.3% | - |
These companies have the same main activity as VANCO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €272,000 and €322,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 20-06-2023Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.349.751.8532520 Ranst, since 20-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Annual accounts 2025
- €124,655▼ 5.3%
- ≈ €210,000estimated
- €77,829▼ 16.5%
- €204,334▲ 61.5%
- €314,981▲ 23.0%
- Filing
- Filed on 14-10-2026
Insights on VANCO
VANCO files the micro format. That format states no turnover. The gross margin rose from €44,282 in 2023 to €124,655 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 14-10-2026, 75 days late€124,655
▼ 5.3%
€99,865
▼ 15.9%
€77,829
▼ 16.5%
€94,350
▲ €118,184
64.9%
▲ 15.5 percentage points
2.13
▲ 1.31
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €210,000. Estimated: probably between €180,000 and €250,000.
Balance sheet
balance sheet total €314,981 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
64.9%
Higher than 59% of 39,368 companies in 2025.
2.13
Higher than 51% of 38,051 companies in 2025.
24.7%
Higher than 65% of 38,523 companies in 2025.
VANCO
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
314,981 | 256,107 | 48,447 | |
21/28 |
137,009 | 150,338 | - | |
22/27 |
137,009 | 150,338 | - | |
22 |
66,351 | 59,495 | - | |
24 |
70,658 | 90,843 | - | |
29/58 |
177,972 | 105,768 | 48,447 | |
40/41 |
59,721 | 21,961 | 11,370 | |
40 |
18,784 | 18,250 | 8,570 | |
41 |
40,937 | 3,711 | 2,800 | |
50/53 |
36,070 | - | - | |
54/58 |
82,181 | 83,807 | 37,077 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
314,981 | 256,107 | 48,447 | |
10/15 |
204,334 | 126,505 | 33,313 | |
10/11 |
5,000 | 5,000 | 5,000 | |
14 |
199,334 | 121,505 | 28,313 | |
17/49 |
110,647 | 129,602 | 15,134 | |
17 |
27,026 | - | - | |
170/4 |
27,026 | - | - | |
42/48 |
83,622 | 129,602 | 15,134 | |
42 |
9,765 | 46,189 | - | |
44 |
15,339 | 13,327 | 7,109 | |
440/4 |
15,339 | 13,327 | 7,109 | |
45 |
58,518 | 27,483 | 8,001 | |
450/3 |
58,518 | 24,523 | 8,001 | |
454/9 |
- | 2,960 | - | |
47/48 |
- | 42,603 | 24 | |
| Income statement | ||||
9900 |
124,655 | 131,678 | 44,282 | |
630 |
22,975 | 11,251 | - | |
640/8 |
1,816 | 1,679 | - | |
9901 |
99,865 | 118,749 | 44,282 | |
65/66B |
1,866 | 1,035 | 0 | |
65 |
1,866 | 1,035 | 0 | |
9903 |
97,999 | 117,714 | 44,282 | |
67/77 |
20,170 | 24,523 | 7,719 | |
9904 |
77,829 | 93,191 | 36,563 | |
9905 |
77,829 | 93,191 | 36,563 | |
| Appropriation of the result | ||||
9906 |
199,334 | 121,505 | 36,563 | |
14P |
121,505 | 28,313 | - | |
694/7 |
- | - | 8,250 | |
695 |
- | - | 8,250 | |
| Document | ||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 14-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 75 days after the deadline. Filed on 14 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00564330.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 122,840 | 130,000 | - | ||
| 100,804 | 104,442 | - | ||
| 9,646 | 161,589 | - | ||
| -1,626 | 46,730 | - | ||
| 94,350 | -23,834 | 33,313 | ||
| 64.9% | 49.4% | 68.8% | ||
| 2.13 | 0.82 | 3.20 | ||
| 0.54 | 1.02 | 0.45 | ||
| 38.1% | 73.7% | 109.8% | ||
| 24.7% | 36.4% | 75.5% | ||
| 65.84 | over 100 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €9,646 | €161,589 | - |
| €22,975 | €11,251 | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on VANCO
The operating result for 2025 is 16% lower than in 2024.
Debt's share of the balance-sheet total falls from 50.6% to 35.1%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector
since 20-06-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 14-10-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Beperkingen of verdelingen van de bevoegdheid van de bestuurders en de onderlinge taakverdeling tussen hen, kunnen aan of door derden niet…”deed of 22-06-2023
Mandates through the years
1 name, the dashed line is todayBoard
Mandates as a list
- VAN HAM Benny Guido Hendrik Maria
- Director, from 20-06-2023 to date
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €2,043 in 2025
- Source
- deed of 22-06-2023
Articles of association
deed of 22-06-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- “Titel V. Algemene vergadering Artikel 16. Organisatie en bijeenroeping Ieder jaar wordt een gewone algemene vergadering van aandeelhouders…”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Voorwaarden voor ontbinding,vereffening en sluiting in één akte voldaan en voor die procedure geopteerd, algemene vergadering mag één of…”
Shareholders
At incorporation
deed of 22-06-2023 ↗
- VAN HAM Benny Guido Hendrik Maria 100 shares (100%) · €5,000
Network & group
No group
VANCO has no parent and no holdings in its annual accounts. VAN HAM Benny Guido Hendrik Maria is the only director.
At the same address
Fazantenstraat 27, 2520 Ranst · 1 other company| E-Cos
registered office since 09-11-2009 · founded in 2009 |
total assets €731,469 (2025) 0820.477.666 |
Board mandates elsewhere
1 board mandateBoard mandates of VANCOVANCO sits on their board1
Connections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
10 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 75 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0802916708
2025
Liquidity more than doubled current ratio 2.13 The current ratio rises from 0.82 to 2.13. Short-term debt falls from €129,602 to €83,622.
Equity above €200,000 equity €204,334 ▲61.5% With a profit in every financial year since 2023, equity grows to €204,334.
Annual accounts 2024 filed PDFmicro format · 31 days late
2024
Highest result from 2023 to 2025 net €93,191 ▲155% The operating result of €118,749 and the net result of €93,191 are both a record.
Equity above €100,000 equity €126,505 ▲280% With a profit in every financial year since 2023, equity grows to €126,505.
Annual accounts 2023 filed PDFmicro format · 30 days late
2023
IncorporationAppointment: VAN HAM Benny Guido Hendrik Maria (director) · Permanent representative: VAN HAM Benny Guido Hendrik Maria · Founder: VAN HAM Benny Guido Hendrik Maria · published on 22-06-20236 points ▸
- Founder, VAN HAM Benny Guido Hendrik Maria
- Founding capital, €5,000, 100 shares
- Registered office clause, Fazantenstraat 27, 2520 Ranst
- Board rule, 1
- Director appointment, VAN HAM Benny Guido Hendrik Maria
- Permanent representative, VAN HAM Benny Guido Hendrik Maria
- The deed holds 2 more points.
First establishment Fazantenstraat 27, Ranst
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
VANCO was incorporated on 20 June 2023 as a private limited company by one natural person, with a starting capital of €5,000.12 Since 2023, VAN HAM Benny Guido Hendrik Maria has served as director.3 Total assets rose from €48,447 in 2023 to €314,981 in 2025.4
Company details
Identity
- Enterprise number
- 0802.916.708
- VAT number
- BE 0802.916.708
- Peppol ID
- 0208:0802916708
- Other Peppol ID
- 9925:BE0802916708
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 20-06-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- “Titel V. Algemene vergadering Artikel 16. Organisatie en bijeenroeping Ieder jaar wordt een gewone algemene vergadering van aandeelhouders…”deed of 22-06-2023 (in Dutch)
- Peppol
- Reachable since 07-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- VANCO in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 22-06-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 22-06-2023 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van diensten en adviezen in de meest ruime zin van het woord aan bedrijven,ondernemingen en organisaties,ondermeer inzake…”deed of 22-06-2023 (in Dutch)
7 activities
- Het verlenen van diensten en adviezen in de meest ruime zin van het woord aan bedrijven,ondernemingen en organisaties,ondermeer inzake management,marketing,financiële,handels-,bedrijfseconomische,bedrijfstechnische en sociale aangelegenheden;
- Het verlenen van administratieve bijstand en ondersteuning aan bedrijven en organisaties,hierin begrepen commerciële aangelegenheden,marketing en al wat daarmee rechtstreeks of onrechtstreeks verband houdt;
- Het geven van cursussen en opleidingen,het organiseren van studiedagen,workshops en seminaries,het organiseren van beurzen en congressen;
- Het voeren van holding-activiteiten,omvattende onder meer: het door middel van inschrijving,inbreng,fusie,samenwerking,financiële tussenkomst of anderszins verwerven van een belang of deelneming in alle bestaande of nog op te richten ondernemingen,vennootschappen of verenigingen in België of in het buitenland; het beheren,valoriseren,verkopen,te gelde maken of anderszins vervreemden van deze participaties of belangen; alle financiële transacties en financiële overeenkomsten,behoudens deze activiteiten die wettelijk voorbehouden zijn aan spaar- en depositobanken en aan vennootschappen voor vermogensbeheer en beleggingsadvies;
- Het rechtstreeks of onrechtstreeks deelnemen aan het bestuur,de directie,de controle en vereffening van vennootschappen en ondernemingen,het waarnemen van het mandaat van bestuurder en dagelijks bestuurder of gemandateerde,het optreden als vereffenaar;
- Het uitbaten van een algemeen bedrijf van immobiliën en in het bijzonder : het verwerven,vervreemden,beheren,uitbaten,valoriseren,verkavelen,uitrusten,huren en verhuren,het doen bouwen of doen verbouwen van onroerende goederen evenals alle onroerende transacties en verrichtingen in de meest brede zin en van welke aard ook,met inbegrip van de onroerende leasing;
- Haar patrimonium,bestaande uit onroerende en roerende goederen en rechten,te behouden,in de ruimste zin van het woord te beheren en oordeelkundig uit te breiden;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Fazantenstraat 27 registered office 2520 Ranst | 20-06-2023 | 2.349.751.853 |
Buildings and parcels at the address
- Ground area
- 948 m²
- Buildings
- 143 m²
- Volume, LiDAR
- 704 m³
- Tallest building
- 8.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11031A0618/00B003 | 948 m² | 1 · 143 m² | 8.3 m · 2 |