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 about 9.5% per year across the filed financial years. Its solvency ranks better than 25% of 3,041 sector peers (NACE 66, financial year 2025). The company has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00472449.
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
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 65% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€16,835
2025
Net result€5,307
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€241,052
2025
Equity€43,924
2025
Debt€197,128
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€25,775
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)2.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency18.2%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.55
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€5,706-€7,551▲ 32.3%€6,991▼ 7.4%€37,281▲ 433%-€4,641€89,132€10,190▼ 88.6%€16,835▲ 65.2%
Net result-€3,345--€1,567▲ 53.1%-€3,258below the sector's middle half▼ 108%€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€32,331-€20,763▼ 35.8%€17,505below the sector's middle half▼ 15.7%€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€252,542-€239,729▼ 5.1%€231,805within the sector's middle half▼ 3.3%€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€220,212-€218,966▼ 0.6%€214,300▼ 2.1%€152,327▼ 28.9%€301,660▲ 98.0%€281,699▼ 6.6%€229,060▼ 18.7%€197,128▼ 13.9%
Working capital€12,318--€902€25,169within the sector's middle half€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%
Solvency12.8%-8.7%▼ 4.1pp7.6%below the sector's middle half▼ 1.1pp11.9%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 ratio1.23-0.98▼ 0.251.39within the sector's middle half▲ 0.411.38within 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)-1.3%--0.7%▲ 0.7pp-1.4%below the sector's middle half▼ 0.8pp12.9%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=1within the sector's middle half=1=1.1▲ 10.0%1▼ 9.1%1=1=
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
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 | 2018 | 2019 | 2020 | 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 | €34,152 | €48,758 | €47,687 | €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 | €82,307 | €90,681 | €85,461 | €94,277 | €90,912 | €212,784 | €117,314 | €102,200 | ▼ 12.9% |
| Operating profit (loss)9901 | €5,706 | €7,551 | €6,991 | €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 | €1,339 | €904 | €3 | €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 | €5,622 | €5,749 | €4,371 | €4,471 | €5,007 | €10,125 | €7,067 | €6,728 | ▼ 4.8% |
| Profit (loss) for the period before taxes9903 | €1,424 | €2,707 | €2,623 | €32,830 | -€8,707 | €79,225 | €3,424 | €10,507 | ▲ 207% |
| Income taxes67/77 | €4,769 | €4,274 | €5,881 | €10,563 | €3,693 | €16,091 | €7,968 | €5,199 | ▼ 34.7% |
| Profit (loss) for the period9904 | -€3,345 | -€1,567 | -€3,258 | €22,267 | -€12,400 | €63,134 | -€4,544 | €5,307 | - |
| Profit (loss) for the period to be appropriated9905 | -€3,345 | -€1,567 | -€3,258 | €22,267 | -€12,400 | €63,134 | -€4,544 | €5,307 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €252,542 | €239,729 | €231,805 | €172,813 | €309,746 | €324,859 | €267,677 | €241,052 | ▼ 9.9% |
| Fixed assets21/28 | €186,921 | €189,912 | €142,225 | €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 | €186,731 | €189,722 | €142,035 | €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 | €190 | €190 | €190 | = |
| Current assets29/58 | €65,621 | €49,817 | €89,580 | €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 | €19,312 | €6,694 | - | €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 | €15,809 | €20,098 | €65,351 | €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 | €252,542 | €239,729 | €231,805 | €172,813 | €309,746 | €324,859 | €267,677 | €241,052 | ▼ 9.9% |
| Equity10/15 | €32,331 | €20,763 | €17,505 | €20,486 | €8,086 | €43,160 | €38,616 | €43,924 | ▲ 13.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €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 | €24,271 | €12,703 | €9,445 | €12,426 | €26 | €43,160 | €38,616 | €43,924 | ▲ 13.7% |
| Amounts payable17/49 | €220,212 | €218,966 | €214,300 | €152,327 | €301,660 | €281,699 | €229,060 | €197,128 | ▼ 13.9% |
| Amounts payable after more than one year17 | €166,639 | €167,481 | €149,148 | €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 | €53,303 | €50,719 | €64,411 | €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 | €4,291 | €5,670 | €9,330 | €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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,345 | -€1,567 | -€3,258 | €22,267 | -€12,400 | €63,134 | -€4,544 | €5,307 | - |
| + Depreciation and write-downs630 | €34,152 | €48,758 | €47,687 | €27,238 | €49,582 | €63,244 | €63,558 | €27,865 | ▼ 56.2% |
| Operating cash flow (approximation) | €30,808 | €47,191 | €44,429 | €49,504 | €37,182 | €126,378 | €59,014 | €33,172 | ▼ 43.8% |
| Investment in fixed assets (approximation) | - | -€51,749 | €0 | €25,341 | -€241,857 | -€77,930 | -€990 | -€2,875 | ▼ 190% |
| Change in cash | - | €4,289 | €45,254 | €4,834 | -€56,683 | €1,540 | €1,374 | -€6,315 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 14 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00472449 |
| 31-12-2024 | micro format | 28-08-2025 | 2025-00427021 |
| 31-12-2023 | micro format | 12-06-2024 | 2024-00127813 |
| 31-12-2022 | micro format | 16-08-2023 | 2023-00333082 |
| 31-12-2021 | micro format | 30-08-2022 | 2022-20366025 |
| 31-12-2020 | micro format | 12-07-2021 | 2021-34400288 |
| 31-12-2019 | micro format | 30-07-2020 | 2020-37100287 |
| 31-12-2018 | micro format | 06-08-2019 | 2019-44000197 |
| 31-12-2017 | micro format | 14-07-2018 | 2018-33200415 |
| 31-12-2016 | full format | 30-08-2017 | 2017-53600571 |
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Of the 4,604 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,225. 2,189 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.