Equity
€64,969 ▲ 32×
Equity rose in 2025 from €2,000 to €64,969.
VCAM
Lifetime
2 annual accounts with figures on one time axispeak €109,284 (2025)
€109,284
peak €80,969 (2025)
€80,969
peak €64,969 (2025)
€64,969▲ 32×
€35,947
Board1 name since 2024
1 directorCAVALLERI Vanessa
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Dividend €18,000Equity from €2,000 to €64,969Cash from €2,000 to €98,916
Key points
from the 2025 annual accountsTurnover
≈ €190,000 estimated
The micro format states no turnover.
Position in the sector
€80,969
Higher net result than 80% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.
2025 accounts filed 31 days after the deadline
Checked score
97
Excellent
Financially stronger than 80% 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 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: < 0.1%
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%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026highest value
09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.75, cash €98,916
Size: total assets €100,916
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 59% of them on solvency, 76% on liquidity, 84% on profitability and 99% on growth.
The bankruptcy probability was computed on 10-11-2026 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 VCAM 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 VCAM 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 VCAM. 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 €6,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 2.75, above the usual 1.5. Short-term debt is 35.6% and cash 98% of total assets. 35.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Young company
Founded in 2024, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 days late
2024
65 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 17 days before 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Incorporation
Founding capital of €2,000, 100 shares · Founder: CAVALLERI Vanessa · Appointment: CAVALLERI Vanessa (director) · published on 19-12-2024 · Gazette deed
First establishment
Rue Gustave Taillard 25, Herve
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VCAM Herve | €100,916 | €109,284 | 64.4% | - |
| PSD Service Grâce-Hollogne | €97,155 | €106,532 | 3.7% | - |
| ProximaGesT Braives | €95,214 | €100,059 | 77.4% | - |
| FRANGEST Juprelle | €106,355 | €110,839 | 43.4% | - |
| SHIFTPOINT CONSULTING Neupré | €110,468 | €102,045 | 66.6% | - |
| LJMC Limbourg | €91,474 | €110,797 | 83.5% | - |
| CXL Consulting Oupeye | €106,892 | €119,181 | 90.9% | - |
These companies have the same main activity as VCAM: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €91,500 and €110,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 17-12-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.370.349.7054650 Herve, since 17-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable
Insights on VCAM
VCAM has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64,969 and a net result of €80,969.
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. Click a figure with a dotted line for the item and the filing.
Key facts about VCAM
- What is the company number of VCAM?
- The company number of VCAM is 1017.516.241. The VAT number is the same number with BE in front: BE 1017.516.241.
- Where is VCAM based?
- The registered office is at Rue Gustave Taillard 25, 4650 Herve.Company details
- What does VCAM do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of VCAM?
- VCAM is a private limited company (BV).
- When was VCAM founded?
- VCAM was founded on 17-12-2024.
- Is VCAM still active?
- Yes, VCAM is an active enterprise in the KBO register.
- What is the turnover of VCAM?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €109,284 and 109 comparable companies (NACE 70200). It probably lies between €160,000 and €220,000.Financials
- Is VCAM profitable?
- In financial year 2025, VCAM made a profit of €80,969.
- Where can I find the annual accounts of VCAM?
- VCAM filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VCAM due?
- VCAM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
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