VESTA.COM
ActiveSummary
VESTA.COM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133,697 and a net result of -€8,100. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 41% of 639 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability60▲+9
Solvency57▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.02 in 2024; short-term debt: 67.7% and cash: 1.7% of total assets), and 67.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€8,100
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
29 d early
2023
28 d early
2022
38 d early
2021
30 d early
2020
36 d early
2019
25 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 31 days before the deadline; the sector median for financial year 2024 is 3 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€133,697▼ 5.7%
2024 · €141,797
Total assets
€414,053▼ 3.5%
2024 · €429,084
Net result
-€8,100▼ 128%
2024 · -€3,546
Working capital
-€273,256▲ 0.3%
2024 · -€274,045
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical 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-€627-€3,399▼ 442%-€1,868▲ 45.0%€666-€6,170
Net result-€3,393below the sector's middle half-€5,749below the sector's middle half▼ 69.4%-€6,861below the sector's middle half▼ 19.4%-€3,546below the sector's middle half▲ 48.3%-€8,100below the sector's middle half▼ 128%
Equity€157,953within the sector's middle half▼ 2.1%€152,204within the sector's middle half▼ 3.6%€145,343within the sector's middle half▼ 4.5%€141,797within the sector's middle half▼ 2.4%€133,697within the sector's middle half▼ 5.7%
Total assets€487,816within the sector's middle half▼ 2.6%€470,400within the sector's middle half▼ 3.6%€440,697within the sector's middle half▼ 6.3%€429,084within the sector's middle half▼ 2.6%€414,053within the sector's middle half▼ 3.5%
Debt€329,863▼ 2.9%€318,196▼ 3.5%€295,354▼ 7.2%€287,288▼ 2.7%€280,357▼ 2.4%
Working capital-€262,056▼ 1.0%-€266,416▼ 1.7%-€271,888▼ 2.1%-€274,045▼ 0.8%-€273,256▲ 0.3%
Solvency32.4%within the sector's middle half▲ 0.2pp32.4%within the sector's middle half=33.0%within the sector's middle half▲ 0.6pp33.0%within the sector's middle half▲ 0.1pp32.3%within the sector's middle half▼ 0.8pp
above
within
below
the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6,170 after €666 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €414,053
Fixed assets
€406,953 ▼ 3.9%
Current assets
€7,100 ▲ 23.7%
Equity and liabilities €414,053
Equity
€133,697 ▼ 5.7%
Debt
€280,357 ▼ 2.4%
Debt's share of the balance-sheet total rises from 67.0% to 67.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10,219▼
2024 · €17,055
Cash flow
€8,289▼
2024 · €12,843
Current ratio
0.03▲
2024 · 0.02
Debt to equity
2.10▲
2024 · 2.03
ROE
-6.1%▼
2024 · -2.5%
ROA
-2.0%▼
2024 · -0.8%
Interest coverage
5.30▲
2024 · 4.05
Debt ≤ 1 year
€280,357▲
2024 · €279,788
Debt > 1 year
€0▼
2024 · €7,500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,304 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,389 | €16,389 | €16,389 | €16,389 | €16,389 | = |
| Other operating charges640/8 | €2,096 | €2,330 | €2,494 | €2,673 | €2,956 | ▲ 10.6% |
| Gross operating margin9900 | €17,858 | €15,320 | €17,015 | €19,727 | €13,175 | ▼ 33.2% |
| Operating profit (loss)9901 | -€627 | -€3,399 | -€1,868 | €666 | -€6,170 | ▼ 1,027% |
| Financial income75/76B | €0 | - | - | - | - | - |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | €2,766 | €2,351 | €4,993 | €4,212 | €1,930 | ▼ 54.2% |
| Recurring financial charges65 | €2,766 | €2,351 | €4,993 | €4,212 | €1,930 | ▼ 54.2% |
| Profit (loss) for the period before taxes9903 | -€3,393 | -€5,750 | -€6,861 | -€3,546 | -€8,100 | ▼ 128% |
| Income taxes67/77 | - | -€1 | - | - | - | - |
| Profit (loss) for the period9904 | -€3,393 | -€5,749 | -€6,861 | -€3,546 | -€8,100 | ▼ 128% |
| Profit (loss) for the period to be appropriated9905 | -€3,393 | -€5,749 | -€6,861 | -€3,546 | -€8,100 | ▼ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €487,816 | €470,400 | €440,697 | €429,084 | €414,053 | ▼ 3.5% |
| Fixed assets21/28 | €472,509 | €456,120 | €439,731 | €423,342 | €406,953 | ▼ 3.9% |
| Tangible fixed assets22/27 | €472,509 | €456,120 | €439,731 | €423,342 | €406,953 | ▼ 3.9% |
| Land and buildings22 | €472,509 | €456,120 | €439,731 | €423,342 | €406,953 | ▼ 3.9% |
| Current assets29/58 | €15,307 | €14,280 | €966 | €5,742 | €7,100 | ▲ 23.7% |
| Amounts receivable within one year40/41 | €4,755 | - | - | - | - | - |
| Other amounts receivable41 | €4,755 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €10,552 | €14,280 | €966 | €5,742 | €7,100 | ▲ 23.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €487,816 | €470,400 | €440,697 | €429,084 | €414,053 | ▼ 3.5% |
| Equity10/15 | €157,953 | €152,204 | €145,343 | €141,797 | €133,697 | ▼ 5.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €139,353 | €133,604 | €126,743 | €123,197 | €117,822 | ▼ 4.4% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €137,493 | €131,744 | €124,883 | €121,337 | €115,962 | ▼ 4.4% |
| Profit (loss) carried forward14 | - | - | - | - | -€2,725 | - |
| Amounts payable17/49 | €329,863 | €318,196 | €295,354 | €287,288 | €280,357 | ▼ 2.4% |
| Amounts payable after more than one year17 | €52,500 | €37,500 | €22,500 | €7,500 | €0 | ▼ 100% |
| Financial debts170/4 | €52,500 | €37,500 | €22,500 | €7,500 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €277,363 | €280,696 | €272,854 | €279,788 | €280,357 | ▲ 0.2% |
| Current portion of amounts payable after more than one year42 | €15,000 | €15,000 | €15,000 | €15,000 | €7,500 | ▼ 50.0% |
| Financial debts43 | €74,993 | €58,326 | €49,840 | €30,705 | €8,324 | ▼ 72.9% |
| Credit institutions430/8 | €74,993 | €58,326 | €49,840 | €30,705 | €8,324 | ▼ 72.9% |
| Trade debts44 | - | - | - | - | €310 | - |
| Suppliers440/4 | - | - | - | - | €310 | - |
| Taxes, remuneration and social security45 | - | - | - | - | €140 | - |
| Taxes450/3 | - | - | - | - | €140 | - |
| Other amounts payable47/48 | €187,370 | €207,370 | €208,015 | €234,083 | €264,083 | ▲ 12.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,393 | -€5,749 | -€6,861 | -€3,546 | -€8,100 | ▼ 128% |
| + Depreciation and write-downs630 | €16,389 | €16,389 | €16,389 | €16,389 | €16,389 | = |
| Operating cash flow (approximation) | €12,996 | €10,640 | €9,528 | €12,843 | €8,289 | ▼ 35.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €3,728 | -€13,314 | €4,776 | €1,358 | ▼ 71.6% |
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€8,100
Net result drops to -€8,100, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150,000Eq €161,346 ▲11.4%
3 profitable years in a row build equity to €161,346.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €25,614 ▲7.1%
Operating result €48,248, net result €25,614, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Olen · 1 establishment unit since 2002
Ground area
1,179 m²
Building footprint
227 m²
Volume, LiDAR
886 m³
Parcel 13029G0048/00R002, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
VESTA.COM
since 20022.101.036.331
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13029G0048/00R002 | Flanders | 1,179 m² | 1 · 227 m² | 7.2 m · 1 fl. |
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
ZoomZone
BE 0463.534.492
Zedelgem · Eq €133,653
FOTOGRAFIE VERGAUWE
BE 0417.631.619
Eeklo · Eq €133,532
I SHOOT YOU
BE 0835.092.497
Dendermonde · Eq €133,453
Maan Architectenvennootschap
BE 0869.560.161
Boechout · Eq €133,379
PATRIMONIUM RESEARCH & CONSULTING
BE 0880.320.134
Brasschaat · Eq €134,301
Of 14,138 companies in sector 74201 we hold annual accounts for 2,611. 2,186 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
Founded08-09-2000
Fiscal year end31-12
Activities, NACEBEL 2025
74201Photography, excluding press photography
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472702774
Also
9925:BE0472702774
Registered
23-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.