Financials
- Fiscal year
- 2025
- Total assets
- €520,213
- Loss
- -€51,160
- Solvency
- 36.6%
VEO CONSULT
ActiveSummary
VEO CONSULT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190,266 and a net result of -€51,160. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 21069 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811NACE 45113
#6 company by equity in Farciennes, Wholesale and retail trade sector2 sites
Size
€520,213total assets 2025
- Equity
- €190,266
- Loss
- -€51,160
Turnover not published (abridged schema)
Structure
Accounts 8 d early0 of 1 deed read
Why 80- Loss of €51,160 (FY 2025)- Sector Retail trade (NACE 47)+ Size: total assets €520,213+ Liquidity: current ratio 1.09, cash €74,043Show the evidence
Checked score
Score 2025
80
/ 100
Excellent
Probability in this band: under 0.55%
Better than 37% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
62-3
equity 36.6% of total assets
Liquidity
58-9
short-term debt 26.1% · cash 14.2%
Profitability
6-68
return on assets -9.8%
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.3%
12-2024: 0.3%▲ +1.1% vs 11-2024
01-2025: 0.3%▼ -3.9% vs 12-2024
02-2025: 0.3%▲ +0.7% vs 01-2025
03-2025: 0.3%▼ -4.0% vs 02-2025
04-2025: 0.3%▼ -0.8% vs 03-2025
05-2025: 0.3%▼ -0.4% vs 04-2025
06-2025: 0.3%▲ +10.5% vs 05-2025
07-2025: 0.3%▲ +15.1% vs 06-2025
08-2025: 0.6%▲ +97.6% vs 07-2025highest value
09-2025: 0.2%▼ -67.0% vs 08-2025
10-2025: 0.2%● 0.0% vs 09-2025
11-2025: 0.2%▼ -21.0% vs 10-2025
12-2025: 0.2%● 0.0% vs 11-2025
01-2026: 0.2%▼ -0.6% vs 12-2025lowest value
02-2026: 0.2%▲ +0.6% vs 01-2026
03-2026: 0.2%▲ +3.0% vs 02-2026
04-2026: 0.2%▼ -1.1% vs 03-2026
05-2026: 0.2%▲ +7.6% vs 04-2026
06-2026: 0.2%▲ +3.8% vs 05-2026
07-2026: 0.2%▲ +5.7% vs 06-2026
08-2026: 0.5%▲ +145% vs 07-2026
09-2026: 0.5%● 0.0% vs 08-2026
10-2026: 0.5%● 0.0% vs 09-2026
- Loss of €51,160 (FY 2025) raises the probability
- Size: total assets €520,213 lowers the probability for this profile
- Sector Retail trade (NACE 47) raises the probability
- Liquidity: current ratio 1.09, cash €74,043 lowers the probability
Credit up to €15,000 at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.37 in 2024; short-term debt: 26.1% and cash: 14.2% of total assets), and 63.4% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 52%, liquidity 64%, profitability 15%, growth against the median 19%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
on the day
2023
3 d early
2022
31 d late
2021
30 d late
2020
47 d late
2019
92 d late
← 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 27 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 31 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€51,160
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 23-07-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 31-07-2025Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company (pre-2019)
- Activity
- Retail sale of cars and light vans (up…NACE 47811
- Founded
- 31-01-2014
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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.