Turnover
≈ €75,000 estimated
The micro format states no turnover.
VANILO
Overview
Lifetime
1 annual account with figurespeak €25,909 (2025)
€25,909
peak €18,552 (2025)
€18,552
peak €21,052 (2025)
€21,052
€11,543
Board1 name since 2024
1 directorVANIGLIA Sandro
Documentsfilings and deeds
27-04-202695 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€2,500 100 shares
Checked score
97
Excellent
Financially stronger than 73% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% 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).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.4%
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026highest value
05-2026: < 0.1%▼ -0.4 percentage points vs 04-2026lowest value
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: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.51, cash €18,088
Figures for financial year 2025 (filed on 27-04-2026)
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, 76% on liquidity and 84% on profitability.
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, 11,279 companies had the same profile as VANILO has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of VANILO itself: < 0.1% within 12 months.
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 11,279 companies, not a prediction for VANILO. 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 €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.51, above the usual 1.5. Short-term debt is 35.4% and cash 55.5% of total assets. 35.4% 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 riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-04-2026, 95 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
95 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017308284
Incorporation
Founding capital of €2,500, 100 shares · Founder: VANIGLIA Sandro · Appointment: VANIGLIA Sandro (director) · published on 16-12-2024 · Gazette deed
First establishment
Rue François-Hittelet 150, Jemeppe-sur-Sambre
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VANILO Jemeppe-sur-Sambre | €32,595 | €25,909 | 64.6% | - |
| VSE Management Namur | €34,370 | €27,151 | 48.8% | - |
| Agence OKAY Fernelmont | €34,386 | €28,298 | 72.6% | - |
| LAMAKINA Andenne | €38,792 | €25,459 | 63.3% | - |
| HANNIBAL CONSULTING SERVICES Eghezée | €28,564 | €25,110 | 62.2% | - |
| P.F.M.A. Audit & Consulting Namur | €37,638 | €27,172 | 44.9% | - |
| VAKCOPEX La Bruyère | €28,781 | €30,287 | 77.9% | - |
These companies have the same main activity as VANILO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €28,600 and €38,800, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 12-12-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.367.260.5515190 Jemeppe-sur-Sambre, since 12-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 06-01-2025
Annual accounts 2025
- €25,909
- €18,552
- €21,052
- €32,595
- Filing
- Filed on 27-04-2026, 95 days before the end of the filing period
Insights on VANILO
VANILO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21,052 and a net result of €18,552.
Its solvency ranks better than 59% of 39,368 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 27-04-2026, 95 days before the deadline€25,909
€25,052
€18,552
€17,435
64.6%
2.51
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 ≈ €75,000. Estimated: probably between €45,000 and €100,000.
Balance sheet
balance sheet total €32,595 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
64.6%
Higher than 59% of 39,368 companies in 2025.
2.51
Higher than 57% of 38,051 companies in 2025.
56.9%
Higher than 90% of 38,523 companies in 2025.
VANILO
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
32,595 | |
20 |
951 | |
21/28 |
2,666 | |
22/27 |
2,538 | |
23 |
2,538 | |
28 |
128 | |
29/58 |
28,978 | |
40/41 |
10,890 | |
40 |
10,890 | |
54/58 |
18,088 | |
| Balance sheet: equity and liabilities | ||
10/49 |
32,595 | |
10/15 |
21,052 | |
10/11 |
2,500 | |
14 |
18,552 | |
17/49 |
11,543 | |
42/48 |
11,543 | |
45 |
11,543 | |
450/3 |
11,543 | |
| Income statement | ||
9900 |
25,909 | |
630 |
857 | |
9901 |
25,052 | |
9903 |
25,052 | |
67/77 |
6,500 | |
9904 |
18,552 | |
9905 |
18,552 | |
| Appropriation of the result | ||
9906 |
18,552 | |
| Document | ||
The notes to these accounts have 7 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 27-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 27-04-2026 | 2026-00087971 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 25,909 | ||
| 19,409 | ||
| 3,283 | ||
| 17,435 | ||
| 64.6% | ||
| 2.51 | ||
| 0.55 | ||
| 88.1% | ||
| 56.9% |
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 |
|---|---|
| Tangible fixed assets | €3,155 |
| Financial fixed assets | €128 |
| €857 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on VANILO
Debt's share of the balance-sheet total is 35.4%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 16-12-2024
term without a fixed end
Mandates through the years
1 name, the dashed line is todayVANIGLIA Sandro
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- VANIGLIA Sandro
- Director (not named in the articles), appointed by deed of 16-12-2024, still in office
Control
Capital
- Contribution
- €2,500
- Shares
- 100
- Contribution per share
- €25
- Equity per share
- €211 in 2025
- Source
- deed of 16-12-2024
Articles of association
deed of 16-12-2024 (in French)- 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
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitie cedant moitie acquereurs proportionnel, memes formalites”
- 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
Shareholders
At incorporation
deed of 16-12-2024 ↗
- VANIGLIA Sandro 100 shares (100%) · €2,500 in cash
Network & group
No group
VANILO has no parent and no holdings in its annual accounts. VANIGLIA Sandro is the only director. VANILO shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 95 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1017308284
2024
IncorporationFounding capital of €2,500, 100 shares · Founder: VANIGLIA Sandro · Appointment: VANIGLIA Sandro (director) · published on 16-12-20245 points ▸
- Founder, VANIGLIA Sandro
- Founding capital, €2,500, 100 shares
- Registered office clause, rue François Hittelet 150, 5190 Jemeppe sur Sambre
- Board rule, 1
- Director appointment, VANIGLIA Sandro (director (not named in the articles))
- The deed holds 7 more points.
First establishment Rue François-Hittelet 150, Jemeppe-sur-Sambre
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.308.284
- VAT number
- BE 1017.308.284
- Peppol ID
- 0208:1017308284
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-12-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 06-01-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- VANILO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-12-2024 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
68201
Real estate activities
68203
Real estate rental
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “De fournir des services de conseil et d’accompagnement dans la mise en place,la gestion et l’amélioration des systèmes de management de la…”deed of 16-12-2024 (in French)
2 activities
- De fournir des services de conseil et d’accompagnement dans la mise en place,la gestion et l’amélioration des systèmes de management de la qualité,ainsi que la réalisation d’audits internes et externes visant à assurer la conformité aux normes et réglementations en vigueur
- La formation,le diagnostic organisationnel,et l’assistance à la certification
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue François-Hittelet 150 registered office 5190 Jemeppe-sur-Sambre | 12-12-2024 | 2.367.260.551 |
Buildings and parcels at the address
- Ground area
- 1,055 m²
- Buildings
- 73 m²
- Volume, LiDAR
- 665 m³
- Tallest building
- 12.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92068C0479/00D005 | 1,054 m² | 1 · 73 m² | 12.0 m · 3 |
Contact
E-mail
sandro.vaniglia@gmail.com