Result
€168,177 €168,177
Back in profit in 2024, after a loss of €7,247 in 2023.
V&P Invest
Lifetime
18 annual accounts with figures on one time axispeak €182,468 (2022)
€112,634▲ 1.5%
lowest -€49,502 (2017)
€168,177▲ €175,424
peak €432,784 (2024)
€432,784▲ 63.6%
€858,640▼ 3.0%
peak 0.5 FTE (2007)
-not published
Board2 names since 2021
2 directorsVerhaert Pedro and 1 other
Documentsfilings and deeds
22-09-202553 days late
2024micro format
Back to profit: €168,177Equity from €264,607 to €432,784Cash from €14,680 to €153,634
Key points
from the 2024 annual accountsChecked score
56
Fair
Financially stronger than 57% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
A confirmed filing finding caps the score at 59.
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.2%▼ -0.4 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.3%▲ +0.1 percentage points vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.7%▲ +0.3 percentage points vs 07-2025
09-2025: 0.9%▲ +0.2 percentage points vs 08-2025highest value
10-2025: 0.1%▼ -0.8 percentage points vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025lowest value
01-2026: 0.2%▲ +0.1 percentage points vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.1%▼ -0.1 percentage points vs 03-2026
05-2026: 0.2%▲ +0.1 percentage points vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.5%▲ +0.1 percentage points vs 08-2026
10-2026: 0.8%▲ +0.3 percentage points vs 09-2026
11-2026: 0.7%▼ -0.1 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Capped at 59: a confirmed filing finding
Figures for financial year 2024 (filed on 24-09-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 53 days late; 2 of the last 3 accounts late
lowers risk
Size: total assets €1.3m
No main activity registered
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 (no NACE code, micro). It does better than 35% of them on solvency, 60% on liquidity, 45% on profitability and 89% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as V&P Invest has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
The bankruptcy probability of V&P Invest itself is higher: 0.7% within 12 months. It rests on far more data about V&P Invest than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,811 companies, not a prediction for V&P Invest. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €24,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is ample, with a current ratio of 2.04 (0.7 in 2023), above the usual 1.5. Short-term debt is 11.7% and cash 11.9% of total assets. However, 66.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 100 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline08-11-2026 today
raises risk · 2024 accounts filed 53 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-09-2025, 53 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 · 10 filingsDeviation from the deadline
2025
not filed
2024
53 days late
2023
21 days late
2022
64 days late
2021
3 days early
2020
31 days late
2019
54 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 6 accounts on average 37 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
Board and ownership
VP
Verhaert Pedro
Director
Shares in 1 company, Syndimmo Real Estate
Board & ownershipRecent changes
Company renamed from VERHAERT PEDRO to V&P Invest
Registered office moved from Turnhout to Vosselaar · New registered office: Molenstraat 35, 2350 Vosselaar · Previous registered office: Warandestraat 62 bus 3, 2300 Turnhout · General meeting of 15-12-2022 · Gazette deed
Incorporation
published on 05-02-2007 · Gazette deed
First establishment
Molenstraat 35, Vosselaar
Official details
Source: KBO- Status
- Active since 26-01-2007Normal situation
- Activity
- “Alle activiteiten van groot- en kleinhandel,import en export van alle soorten goederen,waaronder:het optreden als…” (deed in Dutch)From the articles, 8 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.159.603.4462350 Vosselaar, since 26-01-2007
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on V&P Invest
V&P Invest files the micro format. That format states no turnover. The gross margin rose from €37,367 in 2007 to €112,634 in 2024.
The balance sheet grew most from 2014 to 2016 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about V&P Invest
- What is the company number of V&P Invest?
- The company number of V&P Invest is 0886.766.674. The VAT number is the same number with BE in front: BE 0886.766.674.
- Where is V&P Invest based?
- The registered office is at Molenstraat 35, 2350 Vosselaar.Company details
- What is the legal form of V&P Invest?
- V&P Invest is a private limited company (BV).
- When was V&P Invest founded?
- V&P Invest was founded on 26-01-2007.
- Is V&P Invest still active?
- Yes, V&P Invest is an active enterprise in the KBO register.
- What is the turnover of V&P Invest?
- The turnover in financial year 2024 is ≈ €280,000. This figure is estimated from the gross margin of €112,634 and 2,207 comparable companies of the same size. It probably lies between €190,000 and €440,000. It is a rough estimate.Financials
- Is V&P Invest profitable?
- In financial year 2024, V&P Invest made a profit of €168,177.
- Where can I find the annual accounts of V&P Invest?
- V&P Invest filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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