Summary
Vddries is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €43,924 and a net result of €5,307. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 24% of 2469 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2469 sector peers (2025).
NBB · sector comparisonPosition among 2469 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
49 d early
2022
16 d late
2021
30 d late
2020
19 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · 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 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Staff and payroll costs
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€43,924▲ 13.7%
2024 · €38,616
Net result
€5,307
2024 · -€4,544
Total assets
€241,052▼ 9.9%
2024 · €267,677
Solvency
18.2%▲ 3.8pp
2024 · 14.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
Operating result€37,281▲ 433%-€4,641€89,132€10,190▼ 88.6%€16,835▲ 65.2%
Net result€22,267within the sector's middle half-€12,400below the sector's middle half€63,134within the sector's middle half-€4,544below the sector's middle half€5,307within the sector's middle half
Equity€20,486below the sector's middle half▲ 17.0%€8,086below the sector's middle half▼ 60.5%€43,160within the sector's middle half▲ 434%€38,616within the sector's middle half▼ 10.5%€43,924within the sector's middle half▲ 13.7%
Total assets€172,813within the sector's middle half▼ 25.4%€309,746within the sector's middle half▲ 79.2%€324,859within the sector's middle half▲ 4.9%€267,677within the sector's middle half▼ 17.6%€241,052within the sector's middle half▼ 9.9%
Debt€152,327▼ 28.9%€301,660▲ 98.0%€281,699▼ 6.6%€229,060▼ 18.7%€197,128▼ 13.9%
Working capital€22,731within the sector's middle half▼ 9.7%-€45,114below the sector's middle half-€48,050below the sector's middle half▼ 6.5%-€24,352below the sector's middle half▲ 49.3%-€25,775below the sector's middle half▼ 5.8%
Solvency11.9%below the sector's middle half▲ 4.3pp2.6%below the sector's middle half▼ 9.2pp13.3%below the sector's middle half▲ 10.7pp14.4%below the sector's middle half▲ 1.1pp18.2%below the sector's middle half▲ 3.8pp
Current ratio1.38within the sector's middle half▼ 0.010.38below the sector's middle half▼ 0.990.37below the sector's middle half▼ 0.010.58below the sector's middle half▲ 0.210.55below the sector's middle half▼ 0.03
Return on assets (ROA)12.9%within the sector's middle half▲ 14.3pp-4.0%below the sector's middle half▼ 16.9pp19.4%above the sector's middle half▲ 23.4pp-1.7%below the sector's middle half▼ 21.1pp2.2%below the sector's middle half▲ 3.9pp
Staff (FTE)1=1.1▲ 10.0%1▼ 9.1%1=1=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
The operating result recovers in 2025; 2025 is 65% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241,052
Fixed assets
€209,050 ▼ 10.7%
Current assets
€32,002 ▼ 4.9%
Equity and liabilities €241,052
Equity
€43,924 ▲ 13.7%
Debt
€197,128 ▼ 13.9%
Debt's share of the balance-sheet total falls from 85.6% to 81.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.1%▲
2024 · -11.8%
Debt ≤ 1 year
€57,777▼
2024 · €57,989
Debt > 1 year
€139,351▼
2024 · €171,047
Income taxes
€5,199▼
2024 · €7,968
Staff costs
€45,471▲
2024 · €40,541
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €25,786 | €37,961 | €38,650 | €40,541 | €45,471 | ▲ 12.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27,238 | €49,582 | €63,244 | €63,558 | €27,865 | ▼ 56.2% |
| Other operating charges640/8 | €3,972 | €8,010 | €21,757 | €3,026 | €12,029 | ▲ 298% |
| Gross operating margin9900 | €94,277 | €90,912 | €212,784 | €117,314 | €102,200 | ▼ 12.9% |
| Operating profit (loss)9901 | €37,281 | -€4,641 | €89,132 | €10,190 | €16,835 | ▲ 65.2% |
| Financial income75/76B | €20 | €941 | €218 | €301 | €400 | ▲ 33.1% |
| Recurring financial income75 | €20 | €941 | €218 | €301 | €400 | ▲ 33.1% |
| Financial charges65/66B | €4,471 | €5,007 | €10,125 | €7,067 | €6,728 | ▼ 4.8% |
| Recurring financial charges65 | €4,471 | €5,007 | €10,125 | €7,067 | €6,728 | ▼ 4.8% |
| Profit (loss) for the period before taxes9903 | €32,830 | -€8,707 | €79,225 | €3,424 | €10,507 | ▲ 207% |
| Income taxes67/77 | €10,563 | €3,693 | €16,091 | €7,968 | €5,199 | ▼ 34.7% |
| Profit (loss) for the period9904 | €22,267 | -€12,400 | €63,134 | -€4,544 | €5,307 | ▲ 217% |
| Profit (loss) for the period to be appropriated9905 | €22,267 | -€12,400 | €63,134 | -€4,544 | €5,307 | ▲ 217% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €172,813 | €309,746 | €324,859 | €267,677 | €241,052 | ▼ 9.9% |
| Fixed assets21/28 | €89,646 | €281,922 | €296,608 | €234,040 | €209,050 | ▼ 10.7% |
| Intangible fixed assets21 | - | €143,979 | €125,229 | €106,479 | €87,729 | ▼ 17.6% |
| Tangible fixed assets22/27 | €89,456 | €137,752 | €171,188 | €127,371 | €121,131 | ▼ 4.9% |
| Land and buildings22 | €21,679 | €19,126 | €15,880 | €12,634 | €9,388 | ▼ 25.7% |
| Furniture and vehicles24 | €67,777 | €118,626 | €155,308 | €114,736 | €111,743 | ▼ 2.6% |
| Financial fixed assets28 | €190 | €190 | €190 | €190 | €190 | = |
| Current assets29/58 | €83,166 | €27,825 | €28,251 | €33,636 | €32,002 | ▼ 4.9% |
| Amounts receivable after more than one year29 | €10,200 | - | - | - | - | - |
| Other amounts receivable291 | €10,200 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €217 | €6,963 | €1,611 | €7,172 | €9,764 | ▲ 36.1% |
| Trade receivables40 | €217 | - | - | - | - | - |
| Other amounts receivable41 | - | €6,963 | €1,611 | €7,172 | €9,764 | ▲ 36.1% |
| Cash at bank and in hand54/58 | €70,185 | €13,502 | €15,042 | €16,416 | €10,101 | ▼ 38.5% |
| Deferred charges and accrued income490/1 | €2,564 | €7,360 | €11,598 | €10,048 | €12,137 | ▲ 20.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €172,813 | €309,746 | €324,859 | €267,677 | €241,052 | ▼ 9.9% |
| Equity10/15 | €20,486 | €8,086 | €43,160 | €38,616 | €43,924 | ▲ 13.7% |
| Contributions10/11 | €6,200 | €6,200 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | - | - | - | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Profit (loss) carried forward14 | €12,426 | €26 | €43,160 | €38,616 | €43,924 | ▲ 13.7% |
| Amounts payable17/49 | €152,327 | €301,660 | €281,699 | €229,060 | €197,128 | ▼ 13.9% |
| Amounts payable after more than one year17 | €91,892 | €228,722 | €205,386 | €171,047 | €139,351 | ▼ 18.5% |
| Financial debts170/4 | €91,892 | €228,722 | €205,386 | €171,047 | €139,351 | ▼ 18.5% |
| Amounts payable within one year42/48 | €60,435 | €72,938 | €76,301 | €57,989 | €57,777 | ▼ 0.4% |
| Current portion of amounts payable after more than one year42 | €25,962 | €54,523 | €33,916 | €34,339 | €41,956 | ▲ 22.2% |
| Financial debts43 | €1,763 | €1,763 | €1,803 | €11,152 | €1,750 | ▼ 84.3% |
| Other loans439 | €1,763 | €1,763 | €1,803 | €11,152 | €1,750 | ▼ 84.3% |
| Trade debts44 | €4,492 | €5,083 | €3,665 | €3,240 | €2,625 | ▼ 19.0% |
| Suppliers440/4 | €4,492 | €5,083 | €3,665 | €3,240 | €2,625 | ▼ 19.0% |
| Taxes, remuneration and social security45 | €16,845 | €9,069 | €19,917 | €9,258 | €11,446 | ▲ 23.6% |
| Taxes450/3 | €13,730 | €4,540 | €15,308 | €2,558 | €2,621 | ▲ 2.5% |
| Remuneration and social security454/9 | €3,115 | €4,529 | €4,608 | €6,700 | €8,825 | ▲ 31.7% |
| Other amounts payable47/48 | €11,373 | €2,500 | €17,000 | €0 | - | - |
| Accrued charges and deferred income492/3 | €0 | - | €12 | €25 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,267 | -€12,400 | €63,134 | -€4,544 | €5,307 | ▲ 217% |
| + Depreciation and write-downs630 | €27,238 | €49,582 | €63,244 | €63,558 | €27,865 | ▼ 56.2% |
| Operating cash flow (approximation) | €49,504 | €37,182 | €126,378 | €59,014 | €33,172 | ▼ 43.8% |
| Investment in fixed assets (approximation) | - | -€241,857 | -€77,930 | -€990 | -€2,875 | ▼ 190% |
| Change in cash | - | -€56,683 | €1,540 | €1,374 | -€6,315 | ▼ 560% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €5,307
Net result €5,307 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €63,134
Net result €63,134 after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Weakest financial yearnet -€12,400
Net result drops to -€12,400, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €22,267
Net result €22,267 after 3 loss-making years.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
14-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has 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
3 acts for this company are 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, Ohey · 1 establishment unit since 2012
Ground area
923 m²
Building footprint
145 m²
Parcel 92097C0006/00R009, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue En Rendarche 60, 5350 Ohey
since 20122.206.973.791
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92097C0006/00R009 | Wallonia | 922 m² | 1 · 145 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
Inge Moens
BE 0786.482.928
Dendermonde · Eq €43,876
ISABELLE LENOIR ASSURANCES
BE 1009.007.856
Chimay · Eq €43,769
BCréAssur
BE 0479.971.737
Ottignies-Louvain-la-Neuve · Eq €43,637
Vriends Consulting
BE 1010.962.011
Schilde · Eq €44,231
de Jonghe d'Ardoye
BE 1009.204.430
Lasne · Eq €43,585
Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,189 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
Founded10-02-2012
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.