Summary
VECATEX 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 €655,865 and a net result of -€7,461. Equity is shrinking by about 3.7% per year across the filed financial years. Its solvency ranks better than 60% of 6,673 sector peers (NACE 64, financial year 2025). The company has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
1 site
Size
≈ €100,000turnover 2025, estimated
- Equity
- €655,865
- Loss
- -€7,461
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Largest shareholder
- I & S Consult · 26.63%
- Inge VergoteDirector
- I&S consult nvDirector · permanent representative Stephan Verschuere
2025 accounts 15 days early3 of 10 deeds summarised
SignalsneutralLatest accounts filed on timeShow the evidence
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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-01-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 days early
2024
58 days early
2023
6 days late
2022
71 days early
2021
26 days early
2020
26 days early
2019
18 days 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 30 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 5 January (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end29-10-2026 today31-01-2027 deadline
- Reappointments: I&S consult nv (director) and…Permanent representative: Stephan Verschuere
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · abbreviated…
Financials · financial year 2025, abbreviated format
Equity
€655,865▼ 1.1%
2024 · €663,326
Net result
-€7,461▲ 93.1%
2024 · -€108,055
Total assets
€1.1m▼ 12.7%
2024 · €1.2m
Solvency
61.5%▲ 7.2pp
2024 · 54.3%
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result stays negative: a loss of €39,644 in 2025 against €143,031 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result-€0.04m
2025
Net result-€0.007m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.1m
2025
Equity€0.7m
2025
Debt€0.4m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.3m
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)-0.7%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency61.5%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.22
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)0
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: 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
Line2019202020212022202320242025
Operating result€0.05m--€0.03m€0.05m€0.06m▲ 4.0%-€0.03m-€0.1m▼ 369%-€0.04m▲ 72.3%
Net result€0.07m-€0.005mwithin the sector's middle half▼ 93.4%€0.07mwithin the sector's middle half▲ 15×€0.07mwithin the sector's middle half▼ 4.5%-€0.002mbelow the sector's middle half-€0.1mbelow the sector's middle half▼ 6,139%-€0.007mbelow the sector's middle half▲ 93.1%
Equity€1.2m-€0.7mwithin the sector's middle half▼ 39.9%€0.7mwithin the sector's middle half▲ 2.6%€0.8mwithin the sector's middle half▲ 3.7%€0.8mwithin the sector's middle half▼ 0.2%€0.7mwithin the sector's middle half▼ 14.0%€0.7mwithin the sector's middle half▼ 1.1%
Total assets€1.9m-€1.6mwithin the sector's middle half▼ 11.7%€1.6mwithin the sector's middle half▼ 3.0%€1.5mwithin the sector's middle half▼ 2.9%€1.3mwithin the sector's middle half▼ 17.4%€1.2mwithin the sector's middle half▼ 4.6%€1.1mwithin the sector's middle half▼ 12.7%
Debt€0.7m-€0.9m▲ 40.2%€0.9m▼ 7.5%€0.8m▼ 8.8%€0.5m▼ 34.5%€0.6m▲ 9.8%€0.4m▼ 26.5%
Working capital€0.9m-€0.8mabove the sector's middle half▼ 10.2%€0.7mabove the sector's middle half▼ 14.7%€0.8mabove the sector's middle half▲ 6.5%€0.6mabove the sector's middle half▼ 19.7%€0.6mabove the sector's middle half▼ 6.9%€0.3mabove the sector's middle half▼ 50.2%
Solvency64.8%-44.1%within the sector's middle half▼ 20.7pp46.7%within the sector's middle half▲ 2.6pp49.9%within the sector's middle half▲ 3.2pp60.3%within the sector's middle half▲ 10.4pp54.3%within the sector's middle half▼ 6.0pp61.5%within the sector's middle half▲ 7.2pp
Current ratio5.24-8.23above the sector's middle half▲ 2.993.95above the sector's middle half▼ 4.284.46above the sector's middle half▲ 0.514.28above the sector's middle half▼ 0.183.42above the sector's middle half▼ 0.852.22within the sector's middle half▼ 1.20
Return on assets (ROA)3.8%-0.3%within the sector's middle half▼ 3.5pp4.3%within the sector's middle half▲ 4.0pp4.3%within the sector's middle half▼ 0.1pp-0.1%below the sector's middle half▼ 4.4pp-8.8%below the sector's middle half▼ 8.7pp-0.7%below the sector's middle half▲ 8.1pp
Staff (FTE)7.2-7above the sector's middle half▼ 2.8%6above the sector's middle half▼ 14.3%6.5above the sector's middle half▲ 8.3%3.1above the sector's middle half▼ 52.3%0within the sector's middle half▼ 100%0within the sector's middle half
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: 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 abbreviated 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 €1.1m
Fixed assets
€558,710 ▲ 30.2%
Current assets
€507,528 ▼ 36.0%
Equity and liabilities €1.1m
Equity
€655,865 ▼ 1.1%
Debt
€410,372 ▼ 26.5%
Debt's share of the balance-sheet total falls from 45.7% to 38.5%. Equity and debt are lower.
Key figures and ratios
ROE
-1.1%▲
2024 · -16.3%
Debt ≤ 1 year
€228,373▼
2024 · €231,551
Debt > 1 year
€171,180▼
2024 · €317,244
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €11,420 | €5,243 | €18,217 | €11,875 | ▼ 34.8% |
| Remuneration, social security and pensions62 | - | - | - | €321,889 | €151,303 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €106,221 | €96,617 | €88,631 | €77,077 | €62,997 | €61,324 | €48,291 | ▼ 21.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | - | €115,689 | €0 | ▼ 100% |
| Other operating charges640/8 | - | - | - | €15,414 | €16,335 | €18,188 | €11,817 | ▼ 35.0% |
| Non-recurring operating charges66A | - | - | - | - | €29,171 | €0 | - | - |
| Gross operating margin9900 | €452,153 | €313,945 | €413,028 | €469,821 | €229,287 | €52,170 | €20,464 | ▼ 60.8% |
| Operating profit (loss)9901 | €45,003 | -€25,811 | €53,331 | €55,441 | -€30,519 | -€143,031 | -€39,644 | ▲ 72.3% |
| Financial income75/76B | - | - | - | €44,100 | €51,930 | €60,511 | €53,305 | ▼ 11.9% |
| Recurring financial income75 | €55,285 | €48,318 | €44,361 | €44,100 | €51,930 | €60,511 | €53,305 | ▼ 11.9% |
| Financial charges65/66B | - | - | - | €23,570 | €23,143 | €25,535 | €21,122 | ▼ 17.3% |
| Recurring financial charges65 | €21,137 | €17,847 | €28,129 | €23,570 | €23,143 | €25,535 | €21,122 | ▼ 17.3% |
| Profit (loss) for the period before taxes9903 | €79,150 | €4,660 | €69,563 | €75,971 | -€1,732 | -€108,055 | -€7,461 | ▲ 93.1% |
| Income taxes67/77 | €8,502 | - | €542 | €10,070 | - | - | - | - |
| Profit (loss) for the period9904 | €70,648 | €4,660 | €69,021 | €65,901 | -€1,732 | -€108,055 | -€7,461 | ▲ 93.1% |
| Profit (loss) for the period to be appropriated9905 | €70,366 | €4,660 | €69,021 | €65,901 | -€1,732 | -€108,055 | -€7,461 | ▲ 93.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €1.9m | €1.6m | €1.6m | €1.5m | €1.3m | €1.2m | €1.1m | ▼ 12.7% |
| Fixed assets21/28 | €0.7m | €0.7m | €0.7m | €0.6m | €0.5m | €0.4m | €0.6m | ▲ 30.2% |
| Tangible fixed assets22/27 | €0.7m | €0.7m | €0.7m | €0.6m | €0.5m | €0.4m | €0.6m | ▲ 30.2% |
| Land and buildings22 | - | - | - | €0.5m | €0.4m | €0.4m | €0.4m | ▼ 8.0% |
| Plant, machinery and equipment23 | - | - | - | €0.1m | €0.05m | €0.02m | €0.1m | ▲ 635% |
| Furniture and vehicles24 | - | - | - | €0.01m | €0.006m | €0.003m | €0.06m | ▲ 21× |
| Current assets29/58 | €1.1m | €0.9m | €0.9m | €1.0m | €0.8m | €0.8m | €0.5m | ▼ 36.0% |
| Amounts receivable within one year40/41 | €0.3m | €0.08m | €0.2m | €0.2m | €0.2m | €0.04m | €0.02m | ▼ 61.3% |
| Trade receivables40 | - | - | - | €0.2m | €0.1m | €0.01m | €0.01m | ▼ 16.2% |
| Other amounts receivable41 | - | - | - | €0.007m | €0.01m | €0.03m | €0.004m | ▼ 86.3% |
| Current investments50/53 | €0.1m | €0.1m | €0.1m | €0.1m | €0.3m | €0.4m | €0.3m | ▼ 40.0% |
| Cash at bank and in hand54/58 | €0.8m | €0.8m | €0.6m | €0.7m | €0.3m | €0.3m | €0.2m | ▼ 32.5% |
| Deferred charges and accrued income490/1 | - | - | - | €0.007m | €0.005m | €0.002m | €0.02m | ▲ 12× |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €1.9m | €1.6m | €1.6m | €1.5m | €1.3m | €1.2m | €1.1m | ▼ 12.7% |
| Equity10/15 | €1.2m | €0.7m | €0.7m | €0.8m | €0.8m | €0.7m | €0.7m | ▼ 1.1% |
| Contributions10/11 | €0.7m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Capital10 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Issued capital100 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Uncalled capital101 | - | - | - | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Contributions outside capital11 | - | - | - | €94 | €94 | €94 | €94 | = |
| Share premium1100/10 | - | - | - | €94 | €94 | €94 | €94 | = |
| Reserves13 | €0.5m | €0.5m | €0.6m | €0.6m | €0.6m | €0.5m | €0.5m | ▼ 1.5% |
| Non-distributable reserves130/1 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Legal reserve130 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Tax-exempt reserves132 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Distributable reserves133 | - | - | - | €0.4m | €0.4m | €0.3m | €0.3m | ▼ 2.5% |
| Amounts payable17/49 | €0.7m | €0.9m | €0.9m | €0.8m | €0.5m | €0.6m | €0.4m | ▼ 26.5% |
| Amounts payable after more than one year17 | €0.4m | €0.8m | €0.6m | €0.5m | €0.3m | €0.3m | €0.2m | ▼ 46.0% |
| Financial debts170/4 | - | - | - | €0.06m | - | - | - | - |
| Other amounts payable178/9 | - | - | - | €0.5m | €0.3m | €0.3m | €0.2m | ▼ 46.0% |
| Amounts payable within one year42/48 | €0.2m | €0.1m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 1.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.06m | €0.06m | €0.005m | €0 | ▼ 100% |
| Trade debts44 | €0.03m | €0.03m | €0.05m | €0.07m | €0.02m | €0.002m | €477 | ▼ 78.6% |
| Suppliers440/4 | - | - | - | €0.07m | €0.02m | €0.002m | €477 | ▼ 78.6% |
| Taxes, remuneration and social security45 | - | - | - | €0.04m | €0.01m | €0.007m | €0.01m | ▲ 60.4% |
| Taxes450/3 | - | - | - | €0.006m | €0.007m | €0.007m | €0.01m | ▲ 60.4% |
| Remuneration and social security454/9 | - | - | - | €0.03m | €0.006m | €0 | - | - |
| Other amounts payable47/48 | - | - | - | €0.05m | €0.09m | €0.2m | €0.2m | ▼ 0.4% |
| Accrued charges and deferred income492/3 | - | - | - | €0.009m | €0.009m | €0.009m | €0.01m | ▲ 14.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,648 | €4,660 | €69,021 | €65,901 | -€1,732 | -€108,055 | -€7,461 | ▲ 93.1% |
| + Depreciation and write-downs630 | €106,221 | €96,617 | €88,631 | €77,077 | €62,997 | €61,324 | €48,291 | ▼ 21.3% |
| Operating cash flow (approximation) | €176,868 | €101,277 | €157,652 | €142,978 | €61,265 | -€46,732 | €40,830 | - |
| Investment in fixed assets (approximation) | - | -€75,314 | -€35,437 | -€6,725 | €24,779 | €2,774 | -€178,001 | - |
| Change in cash | - | -€8,772 | -€120,762 | €29,862 | -€362,525 | -€2,038 | -€97,991 | ▼ 4,709% |
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 36 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | abbreviated format | 16-01-2026 | 2026-00009659 |
| 30-06-2024 | abbreviated format | 04-12-2024 | 2024-00610717 |
| 30-06-2023 | abbreviated format | 06-02-2024 | 2024-00028739 |
| 30-06-2022 | abbreviated format | 21-11-2022 | 2022-20524318 |
| 30-06-2021 | abbreviated format | 05-01-2022 | 2022-00400027 |
| 30-06-2020 | abbreviated format | 05-01-2021 | 2021-00300215 |
| 30-06-2019 | abbreviated format | 13-01-2020 | 2020-01100370 |
| 30-06-2018 | abbreviated format | 07-01-2019 | 2019-00600112 |
| 30-06-2017 | abbreviated format | 09-01-2018 | 2018-01100522 |
| 30-06-2016 | abbreviated format | 02-02-2017 | 2017-03600281 |
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Of the 24,456 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,093. 13,500 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.
Directors
Directors
2 directors, last change in 2026
Board 2
Inge Vergote
CurrentDirector · since 05-01-2024
I&S consult nv
CurrentDirector · since 06-02-2026 · Legal entity · permanent representative: Stephan Verschuere
Permanent representatives 1
Stephan Verschuere
CurrentPermanent representative · since 06-02-2026 · for I&S consult nv
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
7 of this company's 10 Belgian Official Gazette deeds have not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.
Mandate history
4 people since 2024, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Inge Vergote |
|
| I&S consult nv |
|
| LEAMCO |
|
| A.G. TEX |
|
Owners and capital
Owners
1 ownerOwners 1
-
26.63%
Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Group and network
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Linked via shared directors
A.G. TEX
via Inge Vergote · Permanent representative
former→
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
16-02
Gazette deed
Reappointments: I&S consult nv (director) and Inge Vergote (director)Permanent representative: Stephan Verschuere4 facts ▸
Gazette deed
Reappointments: I&S consult nv (director) and Inge Vergote (director)
Permanent representative: Stephan Verschuere4 facts ▸
- General meeting, 15-01-2026
- Director reappointment, I&S consult nv (director)
- Permanent representative, Stephan Verschuere
- Director reappointment, Inge Vergote (director)
16-01
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format
2024
04-12
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format
10-10
Gazette deed
Resignation: LEAMCO (director)Permanent representative: Allain VERSCHUERE3 facts ▸
Gazette deed
Resignation: LEAMCO (director)
Permanent representative: Allain VERSCHUERE3 facts ▸
- General meeting, 16-09-2024
- Director resignation, LEAMCO (director)
- Permanent representative, Allain VERSCHUERE
30-06
Financial
Weakest financial yearnet -€108,055
Net result drops to -€108,055, the lowest in the series; recovery starts the following year.
06-02
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format · 6 days late
05-01
Gazette deed
Resignation: A.G.TEX nv (director)Permanent representatives: Inge Vergote and Stephan Verschuere · Appointment: Inge Vergote (director)6 facts ▸
Gazette deed
Resignation: A.G.TEX nv (director)
Permanent representatives: Inge Vergote and Stephan Verschuere · Appointment: Inge Vergote (director)6 facts ▸
- General meeting, 30-06-2023
- Director resignation, A.G.TEX nv (director)
- Permanent representative, Inge Vergote
- Director appointment, Inge Vergote (director)
- Director in office, 1&S CONSULT nv. (managing director)
- Permanent representative, Stephan Verschuere
2022
21-11
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format
05-01
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
05-01
NBB filing
Annual accounts filed
financial year 2020 · abbreviated format
2020
13-01
NBB filing
Annual accounts filed
financial year 2019 · abbreviated format
2019
07-01
NBB filing
Annual accounts filed
financial year 2018 · abbreviated format
2018
09-01
NBB filing
Annual accounts filed
financial year 2017 · abbreviated format
2017
02-02
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format · 2 days late
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 36 annual accounts filed, the latest 10 are here; all 36 are under Financials.
3 of 10 deeds read
About the unread acts
Of the 10 Belgian Official Gazette deeds we know for this company, 3 have been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPublic limited company
Founded22-12-1989
Financial year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0439634682
Also
9925:BE0439634682
Registered
20-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Waregem · 1 establishment unit since 1990
Ground area
5,926 m²
Building footprint
4,020 m²
Building volume
26,254 m³
Parcel 34452B0863/00F013, Flanders · tallest building 7.7 m. Linked by address, not a title deed.
2
companies at this address
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1 establishment unit
Steenovenstraat 40, 8790 Waregem
since 1990unit no. 2.047.010.103
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 34452B0863/00F013 | Flanders | 5,926 m² | 1 · 4,020 m² | 7.7 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.