VANIRO

Active

Private limited companyfounded 20197 yrs activeChaussée de Wavre 191, 1360 Perwez, BelgiumKBO/BCE: BE 0734.506.863

Summary

VANIRO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24,349 and a net result of €12,370. Equity is growing by ~52.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 4716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysis Watch Report Compare

VANIROActiveChecked score 64/100

Risk analysis Report Compare

Checked score

Score 2025

64 / 100

Healthy

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability76▲+12

Solvency38▲+6

Growth77▲+1

Track record100

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1,500 at 30 days acceptable

Liquidity tight (current ratio 1.03 against 0.76 in 2024; short-term debt: 43.8% and cash: 38.9% of total assets), and 87% of the assets are financed with debt.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

13%

Return on assets

6.6%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

22 d early

2024

31 d early

2023

30 d early

2022

24 d early

2021

31 d early

2020

31 d early

← 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 28 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 2 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

29-09-2026 today31-12-2026 close31-07-2027 deadline

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

On 16 September 2019, VANIRO was incorporated as a Private limited company.¹ Revenue went from EUR 138,905 in 2020 to EUR 257,935 in 2025 and headcount from 3.5 to 3.3 full-time equivalents.²

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Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Turnover

€257,935▲ 18.2%

2024 · €218,296

EBIT margin

7.8%▲ 4.8pp

2024 · 3.0%

Net result

€12,370▲ 330%

2024 · €2,878

Working capital

€2,645

2024 · -€18,065

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, 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

Line20212022202320242025

Turnover€147,010▲ 5.8%€165,216▲ 12.4%€218,296€257,935▲ 18.2%

Operating result€12,818€9,775▼ 23.7%-€562€6,539€20,057▲ 207%

Net result€11,618€8,870▼ 23.7%-€2,470€2,878€12,370▲ 330%

EBIT margin8.7%▲ 19.5pp5.9%▼ 2.8pp3.0%7.8%▲ 4.8pp

Equity€2,701€11,571▲ 328%€9,101▼ 21.3%€11,979▲ 31.6%€24,349▲ 103%

Total assets€51,716▲ 65.4%€53,155▲ 2.8%€172,188▲ 224%€173,908▲ 1.0%€186,602▲ 7.3%

Debt€49,015▲ 22.0%€41,584▼ 15.2%€163,087▲ 292%€161,929▼ 0.7%€162,253▲ 0.2%

Working capital-€6,941▲ 58.9%-€686▲ 90.1%€3,107-€18,065€2,645

Solvency5.2%▲ 33.7pp21.8%▲ 16.5pp5.3%▼ 16.5pp6.9%▲ 1.6pp13.0%▲ 6.2pp

Current ratio0.83▲ 0.420.98▲ 0.151.04▲ 0.060.76▼ 0.281.03▲ 0.27

Return on assets (ROA)22.5%▲ 73.4pp16.7%▼ 5.8pp-1.4%▼ 18.1pp1.7%▲ 3.1pp6.6%▲ 5.0pp

Staff (FTE)3.7▲ 5.7%2.32.4▲ 4.3%3.3▲ 37.5%

above within below the middle half (P25 to P75) of NACE 96, Personal service activities, 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

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 207% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €186,602

54.8%

45.2%

Fixed assets €102,285 ▼ 12.5%

Current assets €84,317 ▲ 47.8%

Equity and liabilities €186,602

13.0%

87.0%

Equity €24,349 ▲ 103%

Debt €162,253 ▲ 0.2%

Debt's share of the balance-sheet total falls from 93.1% to 87.0%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€34,616▲

2024 · €20,552

Cash flow

€26,929▲

2024 · €16,890

Quick ratio

0.89▲

2024 · 0.67

Debt to equity

6.66▼

2024 · 13.52

ROE

50.8%▲

2024 · 24.0%

Interest coverage

10.90▲

2024 · 5.55

Debt ≤ 1 year

€81,672▲

2024 · €75,129

Debt > 1 year

€79,680▼

2024 · €85,684

Income taxes

€4,557▲

2024 · €209

Staff costs

€130,626▲

2024 · €112,957

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

Micro
5 to 10 years old
solvency 10 to 30%
a profit of 5% of the balance sheet or more

1.8% 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 1.2% 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 497,338 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%	1.9%
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 6,713 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

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines

Balance sheet Code20242025

Assets

Total assets20/58€173,908€186,602▲

Fixed assets21/28€116,844€102,285▼

Intangible fixed assets21€9,500€7,500▼

Tangible fixed assets22/27€106,903€94,345▼

Plant, machinery and equipment23€68,813€61,072▼

Furniture and vehicles24€38,090€33,273▼

Financial fixed assets28€440€440▼

Current assets29/58€57,064€84,317▲

Stocks and contracts in progress3€6,488€11,748▲

Stocks30/36€6,488€11,748▲

Amounts receivable within one year40/41€0-

Other amounts receivable41€0-

Cash at bank and in hand54/58€49,877€72,569▲

Deferred charges and accrued income490/1€699-

Equity and liabilities

Total equity and liabilities10/49€173,908€186,602▲

Equity10/15€11,979€24,349▲

Contributions10/11€7,000€7,000=

Reserves13-€12,370

Distributable reserves133-€12,370

Profit (loss) carried forward14€4,979€4,979=

Amounts payable17/49€161,929€162,253▲

Amounts payable after more than one year17€85,684€79,680▼

Financial debts170/4€85,684€79,680▼

Amounts payable within one year42/48€75,129€81,672▲

Current portion of amounts payable after more than one year42€5,887€7,084▲

Trade debts44€6,034€7,246▲

Suppliers440/4€6,034€7,246▲

Taxes, remuneration and social security45€15,566€22,855▲

Taxes450/3€5,220€12,928▲

Remuneration and social security454/9€10,346€9,927▼

Other amounts payable47/48€47,642€44,487▼

Accrued charges and deferred income492/3€1,116€901▼

Income statement Code20242025

Turnover70€218,296€257,935▲

Goods, raw materials, services and sundry goods60/61€86,505-

Remuneration, social security and pensions62€112,957€130,626▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14,013€14,559▲

Other operating charges640/8€2,145€2,147▲

Non-recurring operating charges66A€140-

Gross operating margin9900€135,794€167,389▲

Operating profit (loss)9901€6,539€20,057▲

Financial income75/76B€254€47▼

Recurring financial income75€254€47▼

Financial charges65/66B€3,706€3,177▼

Recurring financial charges65€3,706€3,177▼

Profit (loss) for the period before taxes9903€3,087€16,927▲

Income taxes67/77€209€4,557▲

Profit (loss) for the period9904€2,878€12,370▲

Profit (loss) for the period to be appropriated9905€2,878€12,370▲

Appropriation of the result

Profit (loss) to be appropriated9906€4,979€17,349▲

Profit (loss) brought forward from the previous period14P€2,101€4,979▲

Transfer to equity691/2-€12,370

To other reserves6921-€12,370

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Turnover70	€147,010	€165,216	-	€218,296	€257,935	▲ 18.2%
Goods, raw materials, services and sundry goods60/61	€58,205	€70,016	-	€86,505	-	-
Remuneration, social security and pensions62	€72,490	€80,613	€94,616	€112,957	€130,626	▲ 15.6%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€2,759	€2,832	€6,128	€14,013	€14,559	▲ 3.9%
Other operating charges640/8	€738	€1,980	€2,075	€2,145	€2,147	▲ 0.1%
Non-recurring operating charges66A	-	-	-	€140	-	-
Gross operating margin9900	€88,805	€95,199	€102,257	€135,794	€167,389	▲ 23.3%
Operating profit (loss)9901	€12,818	€9,775	-€562	€6,539	€20,057	▲ 207%
Financial income75/76B	-	€11	€300	€254	€47	▼ 81.5%
Recurring financial income75	-	€11	€300	€254	€47	▼ 81.5%
Financial charges65/66B	€1,034	€759	€2,020	€3,706	€3,177	▼ 14.3%
Recurring financial charges65	€1,034	€759	€2,020	€3,706	€3,177	▼ 14.3%
Profit (loss) for the period before taxes9903	€11,783	€9,027	-€2,282	€3,087	€16,927	▲ 448%
Income taxes67/77	€165	€158	€188	€209	€4,557	▲ 2,077%
Profit (loss) for the period9904	€11,618	€8,870	-€2,470	€2,878	€12,370	▲ 330%
Profit (loss) for the period to be appropriated9905	€11,618	€8,870	-€2,470	€2,878	€12,370	▲ 330%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€51,716	€53,155	€172,188	€173,908	€186,602	▲ 7.3%
Fixed assets21/28	€16,929	€15,419	€98,702	€116,844	€102,285	▼ 12.5%
Intangible fixed assets21	€15,500	€13,500	€11,500	€9,500	€7,500	▼ 21.1%
Tangible fixed assets22/27	€1,114	€1,603	€86,762	€106,903	€94,345	▼ 11.7%
Plant, machinery and equipment23	-	-	€43,746	€68,813	€61,072	▼ 11.2%
Furniture and vehicles24	€1,114	€1,603	€43,016	€38,090	€33,273	▼ 12.6%
Financial fixed assets28	€315	€315	€440	€440	€440	▼ 0.1%
Current assets29/58	€34,787	€37,736	€73,486	€57,064	€84,317	▲ 47.8%
Stocks and contracts in progress3	€7,530	€6,525	€5,455	€6,488	€11,748	▲ 81.1%
Stocks30/36	€7,530	€6,525	€5,455	€6,488	€11,748	▲ 81.1%
Amounts receivable within one year40/41	-	€68	€0	€0	-	-
Trade receivables40	-	€68	-	-	-	-
Other amounts receivable41	-	-	€0	€0	-	-
Cash at bank and in hand54/58	€26,200	€29,921	€66,824	€49,877	€72,569	▲ 45.5%
Deferred charges and accrued income490/1	€1,056	€1,222	€1,207	€699	-	-
Equity and liabilities
Total equity and liabilities10/49	€51,716	€53,155	€172,188	€173,908	€186,602	▲ 7.3%
Equity10/15	€2,701	€11,571	€9,101	€11,979	€24,349	▲ 103%
Contributions10/11	€7,000	€7,000	€7,000	€7,000	€7,000	=
Reserves13	-	-	-	-	€12,370	-
Distributable reserves133	-	-	-	-	€12,370	-
Profit (loss) carried forward14	-€4,299	€4,571	€2,101	€4,979	€4,979	=
Amounts payable17/49	€49,015	€41,584	€163,087	€161,929	€162,253	▲ 0.2%
Amounts payable after more than one year17	€7,287	€3,162	€91,571	€85,684	€79,680	▼ 7.0%
Financial debts170/4	€7,287	€3,162	€91,571	€85,684	€79,680	▼ 7.0%
Amounts payable within one year42/48	€41,728	€38,422	€70,379	€75,129	€81,672	▲ 8.7%
Current portion of amounts payable after more than one year42	€4,023	€4,125	€5,776	€5,887	€7,084	▲ 20.3%
Trade debts44	€7,456	€2,505	€5,008	€6,034	€7,246	▲ 20.1%
Suppliers440/4	€7,456	€2,505	€5,008	€6,034	€7,246	▲ 20.1%
Taxes, remuneration and social security45	€12,085	€13,613	€12,546	€15,566	€22,855	▲ 46.8%
Taxes450/3	€2,872	€4,364	€2,394	€5,220	€12,928	▲ 148%
Remuneration and social security454/9	€9,212	€9,249	€10,152	€10,346	€9,927	▼ 4.0%
Other amounts payable47/48	€18,165	€18,179	€47,049	€47,642	€44,487	▼ 6.6%
Accrued charges and deferred income492/3	-	-	€1,137	€1,116	€901	▼ 19.3%

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€11,618	€8,870	-€2,470	€2,878	€12,370	▲ 330%
+ Depreciation and write-downs630	€2,759	€2,832	€6,128	€14,013	€14,559	▲ 3.9%
Operating cash flow (approximation)	€14,377	€11,702	€3,658	€16,890	€26,929	▲ 59.4%
Investment in fixed assets (approximation)	-	-€1,321	-€89,411	-€32,154	-€0	▲ 100.0%
Change in cash	-	€3,720	€36,903	-€16,947	€22,692	▲ 234%

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

Download as CSV

Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

09-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2020net €12,370 ▲330%

Operating result €20,057, net result €12,370, both a record.

30-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €2,878

Net result €2,878 after one loss-making year.

01-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

07-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Back to profitnet €11,618

Net result €11,618 after one loss-making year.

30-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Perwez · 1 establishment unit since 2019

seat establishment approximate The establishment unit on the map

Ground area

1,421 m²

Building footprint

185 m²

Parcel 25084C0491/00T000, Wallonia. Linked by address, not a title deed.

1 establishment unit

Créa Tif

Chaussée de Wavre 191, 1360 PerwezRetail sale of cosmetics and toilet articles

since 20192.293.731.284

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25084C0491/00T000	Wallonia	1,421 m²	1 · 185 m²	-

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

FABIO LAERA

BE 0800.046.892

Sint-Gillis (bij-Brussel) · Eq €24,353

Etterbeek · Eq €24,435

Of 21,732 companies in sector 96210 we hold annual accounts for 2,835. 2,337 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

Founded16-09-2019

Fiscal year end31-12

Activities, NACEBEL 2025

96210Hairdressing and barber services

Contact

E-mail oliviervaniseghem@hotmail.com

Phone +32475203896

E-invoicing

Reachable via Peppol

Peppol ID 0208:0734506863

Registered 20-03-2026

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

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