VESTIO
ActiveSummary
VESTIO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40,595 and a net result of €4,299. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 88% of 9436 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
What stands out
Overview
0 of 11 deeds readAccounts 32 d earlyTurnover not published (abridged schema)
Why 85+ Lower-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability60▲+60
Solvency100▲+13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 10.85 against 3.7 in 2024; short-term debt: 3.1% and cash: 28.7% of total assets), and 13.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86.2%
Return on assets
9.1%
Age of the figures
9 mo
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
21 d early
2023
20 d early
2022
17 d early
2021
26 d late
2020
33 d early
2019
21 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 17 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 12 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Back to profitnet €4,299
- Liquidity triplescurrent ratio 10.85
Financials
Fiscal year 2025Total assets €47,076Profit €4,299Solvency 86.2%Liquidity 10.85
Total assets
€47,076▼ 19.9%
2018 - 2025
Net result
€4,299
2018 - 2025
Equity
€40,595▲ 11.8%
2018 - 2025
Solvency
86.2%▲ 24.5pp
2018 - 2025
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. 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 fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€0.01m▲ 57.7%-€0.007m▲ 41.7%-€0.02m▼ 192%-€0.01m▲ 36.6%€0.005m
Net result-€0.01mbelow the sector's middle half▲ 75.4%-€0.007mwithin the sector's middle half▲ 41.6%-€0.02mbelow the sector's middle half▼ 190%-€0.01mwithin the sector's middle half▲ 36.5%€0.004mwithin the sector's middle half
Equity€0.08mbelow the sector's middle half▼ 92.1%€0.07mbelow the sector's middle half▼ 9.4%€0.05mbelow the sector's middle half▼ 29.9%€0.04mbelow the sector's middle half▼ 27.1%€0.04mbelow the sector's middle half▲ 11.8%
Total assets€0.2mbelow the sector's middle half▼ 83.0%€0.08mbelow the sector's middle half▼ 54.4%€0.07mbelow the sector's middle half▼ 19.2%€0.06mbelow the sector's middle half▼ 12.3%€0.05mbelow the sector's middle half▼ 19.9%
Debt€0.1m▲ 49.5%€0.01m▼ 88.5%€0.02m▲ 45.2%€0.02m▲ 30.7%€0.006m▼ 71.2%
Working capital€0.05mwithin the sector's middle half▼ 94.7%€0.05mwithin the sector's middle half▼ 6.7%€0.03mwithin the sector's middle half▼ 30.2%€0.02mwithin the sector's middle half▼ 39.9%€0.01mwithin the sector's middle half▼ 28.1%
Solvency43.1%within the sector's middle half▼ 50.4pp85.7%above the sector's middle half▲ 42.6pp74.3%above the sector's middle half▼ 11.4pp61.7%within the sector's middle half▼ 12.6pp86.2%above the sector's middle half▲ 24.5pp
Current ratio1.52within the sector's middle half▼ 16.7414.76above the sector's middle half▲ 13.2416.19above the sector's middle half▲ 1.433.70above the sector's middle half▼ 12.4910.85above the sector's middle half▲ 7.15
Return on assets (ROA)-6.9%below the sector's middle half▼ 2.1pp-8.8%below the sector's middle half▼ 1.9pp-31.7%below the sector's middle half▼ 22.8pp-22.9%below the sector's middle half▲ 8.7pp9.1%above the sector's middle half▲ 32.1pp
Staff (FTE)0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate 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 and balance sheet
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4,686 after a loss of €13,242 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47,076
Fixed assets
€31,000 =
Current assets
€16,076 ▼ 42.2%
Equity and liabilities €47,076
Equity
€40,595 ▲ 11.8%
Debt
€6,481 ▼ 71.2%
Debt's share of the balance-sheet total falls from 38.3% to 13.8%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
Debt to equity
0.16▼
2024 · 0.62
ROE
10.6%▲
2024 · -37.2%
Debt ≤ 1 year
€1,481▼
2024 · €7,506
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €1,250 | - |
| Other operating charges640/8 | €1,205 | €1,567 | €671 | €674 | €687 | ▲ 1.8% |
| Gross operating margin9900 | -€11,062 | -€5,582 | -€20,208 | -€12,568 | €5,373 | ▲ 143% |
| Operating profit (loss)9901 | -€12,267 | -€7,148 | -€20,879 | -€13,242 | €4,686 | ▲ 135% |
| Financial income75/76B | - | €150 | €0 | - | - | - |
| Recurring financial income75 | - | €150 | €0 | - | - | - |
| Financial charges65/66B | €285 | €336 | €357 | €251 | €388 | ▲ 54.4% |
| Recurring financial charges65 | €285 | €336 | €357 | €251 | €388 | ▲ 54.4% |
| Profit (loss) for the period before taxes9903 | -€12,552 | -€7,334 | -€21,237 | -€13,493 | €4,299 | ▲ 132% |
| Profit (loss) for the period9904 | -€12,552 | -€7,334 | -€21,237 | -€13,493 | €4,299 | ▲ 132% |
| Profit (loss) for the period to be appropriated9905 | -€12,552 | -€7,334 | -€21,237 | -€13,493 | €4,299 | ▲ 132% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €181,720 | €82,891 | €67,013 | €58,802 | €47,076 | ▼ 19.9% |
| Fixed assets21/28 | €31,000 | €31,000 | €31,000 | €31,000 | €31,000 | = |
| Financial fixed assets28 | €31,000 | €31,000 | €31,000 | €31,000 | €31,000 | = |
| Current assets29/58 | €150,720 | €51,891 | €36,013 | €27,802 | €16,076 | ▼ 42.2% |
| Amounts receivable within one year40/41 | €31,447 | €31,202 | €8,754 | €11,933 | €2,587 | ▼ 78.3% |
| Trade receivables40 | - | €997 | €7,436 | €8,638 | €214 | ▼ 97.5% |
| Other amounts receivable41 | €31,447 | €30,205 | €1,318 | €3,295 | €2,373 | ▼ 28.0% |
| Cash at bank and in hand54/58 | €110,467 | €20,689 | €27,260 | €15,869 | €13,490 | ▼ 15.0% |
| Deferred charges and accrued income490/1 | €8,806 | €0 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €181,720 | €82,891 | €67,013 | €58,802 | €47,076 | ▼ 19.9% |
| Equity10/15 | €78,360 | €71,026 | €49,789 | €36,296 | €40,595 | ▲ 11.8% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €22,500 | €22,500 | €22,500 | €16,296 | €20,595 | ▲ 26.4% |
| Distributable reserves133 | €22,500 | €22,500 | €22,500 | €16,296 | €20,595 | ▲ 26.4% |
| Profit (loss) carried forward14 | €35,860 | €28,526 | €7,289 | €0 | - | - |
| Amounts payable17/49 | €103,360 | €11,865 | €17,224 | €22,506 | €6,481 | ▼ 71.2% |
| Amounts payable within one year42/48 | €98,852 | €3,515 | €2,224 | €7,506 | €1,481 | ▼ 80.3% |
| Trade debts44 | €5,565 | €3,515 | €2,224 | €7,506 | €1,481 | ▼ 80.3% |
| Suppliers440/4 | €5,565 | €3,515 | €2,224 | €7,506 | €1,481 | ▼ 80.3% |
| Other amounts payable47/48 | €93,287 | €0 | - | - | - | - |
| Accrued charges and deferred income492/3 | €4,508 | €8,350 | €15,000 | €15,000 | €5,000 | ▼ 66.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€12,552 | -€7,334 | -€21,237 | -€13,493 | €4,299 | ▲ 132% |
| Operating cash flow (approximation) | -€12,552 | -€7,334 | -€21,237 | -€13,493 | €4,299 | ▲ 132% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€89,778 | €6,571 | -€11,390 | -€2,380 | ▲ 79.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
SEVE
BE 0876.137.949
Boechout · Eq €40,609
Legeco
BE 0652.759.718
Sint-Martens-Latem · Eq €40,578
YAMANS CONSTRUCT
BE 0765.500.739
Antwerpen · Eq €40,571
ARBITO
BE 0627.787.958
Tessenderlo-Ham · Eq €40,629
TEXXIS
BE 0865.396.386
Herselt · Eq €40,542
Of 7,321 companies in this sector we hold annual accounts for 5,390. 3,118 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
Parent HOLDING VANGRONSVELD · 66.67%1 holding
Directors
Directors
No directors read yet: 0 of 11 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
2 owners · 1 holdingChain of control
- HOLDING VANGRONSVELD
- VESTIO
Highest known parent: HOLDING VANGRONSVELD. The sources do not say who stands above it.
Owners 2
-
66.67%
-
33.33%
Holdings 1
-
50%
According to the 2025 annual accounts of VESTIO and those of the other companies, the acts in the Belgian Gazette and the LEI register. 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 fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 11 Gazette acts processed.
Timeline
15 eventsLatest 29-06-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €4,299
Net result €4,299 after 5 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 10.85
Current ratio from 3.70 to 10.85; short-term debt falls from €7,506 to €1,481.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 10current ratio 14.76
Current ratio from 1.52 to 14.76; short-term debt falls from €98,852 to €3,515.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet -€51,051
Net result drops to -€51,051, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity times 9current ratio 18.27
Current ratio from 1.94 to 18.27; short-term debt falls from €927,999 to €56,637.
Show earlier events
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 14-08-2008Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded14-08-2008
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0899941056
Also
9925:BE0899941056
Registered
09-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Bilzen-Hoeselt · 1 establishment unit since 2008
Ground area
286 m²
Building footprint
260 m²
Volume, LiDAR
1,481 m³
Parcel 73006M0548/00E000, Flanders · tallest building 13.4 m, ±1 floor. Linked by address, not a title deed.
13
companies at this address
See who is registered here
1 establishment unit
Onze Lieve Vrouwstraat 23, 3740 Bilzen-Hoeselt
since 2008unit no. 2.173.193.542
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006M0548/00E000 | Flanders | 286 m² | 1 · 260 m² | 13.4 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.
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