VESTI
ActiveSummary
VESTI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €17,792 and a net result of -€9,380. Equity is shrinking by ~26.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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. The signal on the left, the evidence on the right.
○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 11-06-2026, 50 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
50 d early
2024
31 d early
2023
12 d early
2022
3 d early
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 20 July (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 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 What other support did companies like this one receive, and it did not?Public money 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 2024, micro schema
Equity
€17,792▼ 34.5%
2023 · €27,172
Net result
-€9,380▼ 28.7%
2023 · -€7,288
Total assets
€443,127▼ 3.4%
2023 · €458,614
Solvency
4.0%▼ 1.9pp
2023 · 5.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line2021202220232024
Operating result-€17,141--€3,268▲ 80.9%-€4,579▼ 40.1%-€6,869▼ 50.0%
Net result-€19,313below the sector's middle half--€8,227below the sector's middle half▲ 57.4%-€7,288below the sector's middle half▲ 11.4%-€9,380below the sector's middle half▼ 28.7%
Equity€42,687within the sector's middle half-€34,460below the sector's middle half▼ 19.3%€27,172below the sector's middle half▼ 21.1%€17,792below the sector's middle half▼ 34.5%
Total assets€483,366within the sector's middle half-€471,588within the sector's middle half▼ 2.4%€458,614within the sector's middle half▼ 2.8%€443,127within the sector's middle half▼ 3.4%
Debt€440,679-€437,128▼ 0.8%€431,442▼ 1.3%€425,335▼ 1.4%
Working capital-€11,699within the sector's middle half--€7,062within the sector's middle half▲ 39.6%-€7,435within the sector's middle half▼ 5.3%-€8,930within the sector's middle half▼ 20.1%
Solvency8.8%below the sector's middle half-7.3%below the sector's middle half▼ 1.5pp5.9%below the sector's middle half▼ 1.4pp4.0%below the sector's middle half▼ 1.9pp
Current ratio0.08below the sector's middle half-0.44below the sector's middle half▲ 0.360.47below the sector's middle half▲ 0.030.42below the sector's middle half▼ 0.05
Return on assets (ROA)-4.0%below the sector's middle half--1.7%below the sector's middle half▲ 2.3pp-1.6%below the sector's middle half▲ 0.2pp-2.1%below the sector's middle half▼ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6,869 in 2024 against €4,579 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €443,127
Fixed assets
€436,734 ▼ 3.4%
Current assets
€6,393 ▼ 3.1%
Equity and liabilities €443,127
Equity
€17,792 ▼ 34.5%
Debt
€425,335 ▼ 1.4%
Debt's share of the balance-sheet total rises from 94.1% to 96.0%. Equity and debt are lower.
Key figures and ratios
ROE
-52.7%▼
2023 · -26.8%
Debt ≤ 1 year
€15,323▲
2023 · €14,030
Debt > 1 year
€410,012▼
2023 · €417,412
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,962 | €16,246 | €16,255 | €16,502 | ▲ 1.5% |
| Other operating charges640/8 | €715 | €1,283 | €1,981 | €1,932 | ▼ 2.5% |
| Gross operating margin9900 | €12,536 | €14,262 | €13,657 | €11,566 | ▼ 15.3% |
| Operating profit (loss)9901 | -€17,141 | -€3,268 | -€4,579 | -€6,869 | ▼ 50.0% |
| Financial income75/76B | - | €1 | - | €8 | - |
| Recurring financial income75 | - | €1 | - | €8 | - |
| Financial charges65/66B | €2,172 | €4,959 | €2,709 | €2,519 | ▼ 7.0% |
| Recurring financial charges65 | €2,172 | €4,959 | €2,709 | €2,519 | ▼ 7.0% |
| Profit (loss) for the period before taxes9903 | -€19,313 | -€8,227 | -€7,288 | -€9,380 | ▼ 28.7% |
| Profit (loss) for the period9904 | -€19,313 | -€8,227 | -€7,288 | -€9,380 | ▼ 28.7% |
| Profit (loss) for the period to be appropriated9905 | -€19,313 | -€8,227 | -€7,288 | -€9,380 | ▼ 28.7% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €483,366 | €471,588 | €458,614 | €443,127 | ▼ 3.4% |
| Fixed assets21/28 | €482,386 | €466,140 | €452,019 | €436,734 | ▼ 3.4% |
| Tangible fixed assets22/27 | €482,386 | €466,140 | €452,019 | €436,734 | ▼ 3.4% |
| Land and buildings22 | €482,386 | €466,140 | €452,019 | €436,734 | ▼ 3.4% |
| Current assets29/58 | €980 | €5,448 | €6,595 | €6,393 | ▼ 3.1% |
| Cash at bank and in hand54/58 | €980 | €5,448 | €6,595 | €6,393 | ▼ 3.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €483,366 | €471,588 | €458,614 | €443,127 | ▼ 3.4% |
| Equity10/15 | €42,687 | €34,460 | €27,172 | €17,792 | ▼ 34.5% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Profit (loss) carried forward14 | -€19,313 | -€27,540 | -€34,828 | -€44,208 | ▼ 26.9% |
| Amounts payable17/49 | €440,679 | €437,128 | €431,442 | €425,335 | ▼ 1.4% |
| Amounts payable after more than one year17 | €428,000 | €424,618 | €417,412 | €410,012 | ▼ 1.8% |
| Financial debts170/4 | €148,000 | €141,018 | €130,212 | €119,212 | ▼ 8.4% |
| Other amounts payable178/9 | €280,000 | €283,600 | €287,200 | €290,800 | ▲ 1.3% |
| Amounts payable within one year42/48 | €12,679 | €12,510 | €14,030 | €15,323 | ▲ 9.2% |
| Current portion of amounts payable after more than one year42 | €12,000 | €10,616 | €10,806 | €10,999 | ▲ 1.8% |
| Trade debts44 | - | - | €115 | - | - |
| Suppliers440/4 | - | - | €115 | - | - |
| Other amounts payable47/48 | €679 | €1,894 | €3,109 | €4,324 | ▲ 39.1% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€19,313 | -€8,227 | -€7,288 | -€9,380 | ▼ 28.7% |
| + Depreciation and write-downs630 | €28,962 | €16,246 | €16,255 | €16,502 | ▲ 1.5% |
| Operating cash flow (approximation) | €9,649 | €8,019 | €8,967 | €7,122 | ▼ 20.6% |
| Investment in fixed assets (approximation) | - | €0 | -€2,134 | -€1,217 | ▲ 43.0% |
| Change in cash | - | €4,468 | €1,146 | -€202 | ▼ 118% |
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not 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
1 act for this company is 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, Zedelgem · 1 establishment unit since 2020
Ground area
3,740 m²
Building footprint
238 m²
Volume, LiDAR
1,059 m³
Parcel 31040A0380/00K000, Flanders · tallest building 8.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VESTI
since 20202.306.631.294
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31040A0380/00K000 | Flanders | 3,740 m² | 1 · 238 m² | 8.3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 971 EUR awarded · 971 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 971 EUR | 971 EUR |
Similar companies · same sector, comparable size
SYMVOULON
BE 0475.261.495
Antwerpen · Eq €17,782
Van Slembrouck & Willems
BE 0462.269.435
Ieper · Eq €17,779
VANEECKHOUTTE KARL
BE 0894.200.834
Deerlijk · Eq €17,766
Bruyn
BE 0755.436.295
Sint-Truiden · Eq €17,766
VULTURE CAPITAL
BE 0678.593.984
Schilde · Eq €17,766
Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 7,006 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
Founded26-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.