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VdC Invest

Active
Private limited companyfounded 2018active for 8 yearsKloosterstraat 19, 9572 Lierde, BelgiumKBO/BCE: BE 0702.977.410
Summary

VdC Invest has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318,424 and a net result of €84,105. Equity has been growing by about 83% per year since 2020. Its solvency ranks better than 62% of 12,777 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

Official details

Source: KBO
Status
Active since 10-09-2018 Normal situation
Activity
Retail sale of pharmaceutical products NACE 47730and 1 other
Establishment unit
2.279.287.291 9572 Lierde, since 10-09-2018
Financial year end
31 December
Peppol
Reachable since 19-11-2025

Financial position

72 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Annual accounts 2025
Gross margin
€72,241
▲ 12.5%
Turnover
≈ €350,000
estimated
Profit
€84,105
▼ 24.0%
Equity
€318,424
▲ 35.9%
Total assets
€660,114
▲ 2.2%
  • 2025 accounts filed 25 days after the deadline
Score breakdownraises riskLast filed accounts filed 25 days late; 1 of the last 3 accounts lateSector: Retail trade (NACE 47)Liquidity: current ratio 0.42, cash €10,124lowers riskSize: total assets €660,114Show the evidence

Checked score

Score 2025
72 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 68% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 73+12
equity 48.2% of total assets
Liquidity 48+1
short-term debt 15.9% · cash 1.5%
Profitability 85-5
return on assets 12.7%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,281 companies, NACE 47, micro)
Last 24 months 12-2024: 0.5% 01-2025: 0.5%● unchanged vs 12-2024lowest value 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.6%▲ +0.1 percentage points vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.7%▲ +0.1 percentage points vs 05-2025 07-2025: 0.8%▲ +0.1 percentage points vs 06-2025 08-2025: 1.2%▲ +0.4 percentage points vs 07-2025 09-2025: 1.3%▲ +0.1 percentage points vs 08-2025 10-2025: 1.2%▼ -0.1 percentage points vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.1%▼ -0.1 percentage points vs 12-2025 02-2026: 1.2%▲ +0.1 percentage points vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.1%▼ -0.1 percentage points vs 04-2026 06-2026: 1.2%▲ +0.1 percentage points vs 05-2026 07-2026: 1.2%● unchanged vs 06-2026 08-2026: 1.7%▲ +0.5 percentage points vs 07-2026highest value 09-2026: 0.7%▼ -1.0 percentage point vs 08-2026 10-2026: 0.6%▼ -0.1 percentage points vs 09-2026 11-2026: 0.6%● unchanged vs 10-2026
Credit of up to €22,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.42 (0.24 in 2024), below 1. Short-term debt is 15.9% and cash 1.5% of total assets. 51.8% of the assets are financed with debt and provisions.
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 47, micro). It does better than 63% of them on solvency, 48% on liquidity, 79% on profitability and 82% on growth.

The bankruptcy probability was computed on 03-11-2026 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.

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).

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Signals

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 25 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Size: total assets €660,114
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Liquidity: current ratio 0.42, cash €10,124
NBB · annual accounts
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 6 filings
Deviation from the deadline
2025
25 days late
2024
56 days late
2023
23 days early
2022
22 days early
2021
6 days early
2020
12 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 7 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 25 August (3 of the last 3 accounts filed within 47 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 8th largest company by equity in Lierde, Wholesale and retail trade sectorin the Checked rankings No. 8 View
  • Positive: 6 profitable years in a rowprofit 2025: €84,105 6 years View
  • Positive: Equity rose in 2025from €234,320 to €318,424 ▲ 35.9% View

Recent changes

  1. · Gazette deed Company renamed from Vicky de Clippele to VdC InvestChange of role: dE CLIPPELE Vicky Victoria Maria Ann Patricia Alice Denise, from manager to director
  2. · Gazette deed Incorporation
All 11 events

Comparable companies

These companies have the same main activity as VdC Invest: retail sale of pharmaceutical products (NACE 47730). They are comparable in size and age: total assets between €550,000 and €703,000, founded between 2017 and 2019.

CompanyTotal assetsGross margin
VdC Invest Lierde€660,114€72,241
Apotheek Berckenbosch Leuven€652,803€64,957
APOTHEEK RYCKAERT-VERBEECK Lievegem€550,346€71,757
FARMINCO Andenne€589,804€69,828
Apotheek Naegels Tremelo€703,433€85,528
Saint-Gilles Pharma Liège€556,225€77,032
IGS PHARMA Sint-Gillis (bij-Brussel)€656,335€86,248
Full comparison

Key facts about VdC Invest

What is the company number of VdC Invest?
The company number of VdC Invest is 0702.977.410. The VAT number is the same number with BE in front: BE 0702.977.410.
Where is VdC Invest based?
The registered office is at Kloosterstraat 19, 9572 Lierde.Company details
What does VdC Invest do?
According to the KBO register, the main activity is retail sale of pharmaceutical products (NACE 47730).
What is the legal form of VdC Invest?
The legal form of VdC Invest is Private limited company (BV).
When was VdC Invest founded?
VdC Invest was founded on 10-09-2018.
Is VdC Invest still active?
Yes, VdC Invest is an active enterprise in the KBO register.
What is the turnover of VdC Invest?
The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €72,241 and 73 comparable companies (NACE 477). It probably lies between €170,000 and €510,000.Financials
Is VdC Invest profitable?
In financial year 2025, VdC Invest made a profit of €84,105.
Where can I find the annual accounts of VdC Invest?
VdC Invest filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of VdC Invest due?
VdC Invest must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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