From the official registers: KBO 4 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
VFC is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €22,863 and a net result of €48,388. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 15% of 3,049 sector peers (NACE 66, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
KBO- Status
- Active since 14-04-2022 Normal situation
- Activity
- Insurance agents and brokers NACE 66220
- Establishment units
- 2.330.685.811 7911 Frasnes-lez-Anvaing, since 14-04-2022
- 2.394.433.419 7520 Tournai, since 30-09-2026
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Financial position
- Profit
- €48,388
- ▲ 73.5%
- Equity
- €22,863
- ▼ 54.9%
- Total assets
- €316,160
- ▼ 0.9%
- Staff
- 1 FTE
- =
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 4 accounts on average 67 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
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Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 07-05-2026 PDF all 4 filings
2022 to 2025, 4 financial years
The operating result for 2025 is 56% higher than in 2024 and the highest since 2022. It is the third rise in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Comparable companies
These companies have the same main activity as VFC: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €247,000 and €351,000, founded between 2021 and 2022.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| VFC Tournai | 2022 | €316,160 | €22,863 | €131,213 | €48,388 | 2025 |
| DIRECTFIN Fleurus | 2021 | €289,425 | €167,477 | €128,506 | €17,173 | 2025 |
| Serwy Insurance Nivelles | 2022 | €351,022 | €297,299 | €146,888 | €105,452 | 2025 |
| Care4U Consult Keerbergen | 2021 | €301,222 | €265,693 | €126,312 | €89,240 | 2025 |
| Assurval La Louvière | 2021 | €247,048 | €16,458 | €101,614 | €9,375 | 2025 |
| DH assurances & crédits Walcourt | 2022 | €261,702 | €141,757 | €113,893 | €32,689 | 2025 |
| MBS Consulting Ternat | 2021 | €287,687 | €38,240 | €162,615 | €103,058 | 2025 |
They were chosen from the 3,255 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €7,372 | €21,707 | €20,860 | €21,280 | ▲ 2.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,906 | €35,181 | €37,074 | €40,987 | ▲ 10.6% |
| Other operating charges640/8 | - | €533 | €591 | €725 | ▲ 22.7% |
| Non-recurring operating charges66A | - | - | €135 | €1,245 | ▲ 821% |
| Gross operating margin9900 | €25,559 | €83,380 | €101,720 | €131,213 | ▲ 29.0% |
| Operating profit (loss)9901 | €281 | €25,959 | €43,061 | €66,977 | ▲ 55.5% |
| Financial income75/76B | - | €21 | €511 | €652 | ▲ 27.7% |
| Recurring financial income75 | - | €21 | €511 | €652 | ▲ 27.7% |
| Financial charges65/66B | €5,566 | €8,553 | €7,684 | €6,839 | ▼ 11.0% |
| Recurring financial charges65 | €5,566 | €8,553 | €7,684 | €6,839 | ▼ 11.0% |
| Profit (loss) for the period before taxes9903 | -€5,285 | €17,427 | €35,887 | €60,790 | ▲ 69.4% |
| Income taxes67/77 | - | €4,279 | €8,004 | €12,402 | ▲ 54.9% |
| Profit (loss) for the period9904 | -€5,285 | €13,148 | €27,883 | €48,388 | ▲ 73.5% |
| Profit (loss) for the period to be appropriated9905 | -€5,285 | €13,148 | €27,883 | €48,388 | ▲ 73.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €329,076 | €319,435 | €319,124 | €316,160 | ▼ 0.9% |
| Fixed assets21/28 | €312,362 | €286,889 | €259,212 | €234,551 | ▼ 9.5% |
| Intangible fixed assets21 | €308,616 | €278,507 | €254,512 | €220,185 | ▼ 13.5% |
| Tangible fixed assets22/27 | €3,546 | €8,182 | €4,500 | €14,166 | ▲ 215% |
| Plant, machinery and equipment23 | €3,546 | €4,511 | €1,005 | €612 | ▼ 39.1% |
| Furniture and vehicles24 | - | €3,671 | €3,495 | €13,554 | ▲ 288% |
| Financial fixed assets28 | €200 | €200 | €200 | €200 | = |
| Current assets29/58 | €16,714 | €32,546 | €59,911 | €81,609 | ▲ 36.2% |
| Amounts receivable within one year40/41 | €13,453 | €19,678 | €23,209 | €27,110 | ▲ 16.8% |
| Trade receivables40 | €11,267 | €14,764 | €12,625 | €17,373 | ▲ 37.6% |
| Other amounts receivable41 | €2,186 | €4,915 | €10,584 | €9,736 | ▼ 8.0% |
| Cash at bank and in hand54/58 | €2,178 | €11,569 | €35,525 | €52,603 | ▲ 48.1% |
| Deferred charges and accrued income490/1 | €1,083 | €1,298 | €1,177 | €1,895 | ▲ 61.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €329,076 | €319,435 | €319,124 | €316,160 | ▼ 0.9% |
| Equity10/15 | €9,715 | €22,863 | €50,746 | €22,863 | ▼ 54.9% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Reserves13 | - | €7,863 | €35,746 | €7,863 | ▼ 78.0% |
| Distributable reserves133 | - | €7,863 | €35,746 | €7,863 | ▼ 78.0% |
| Profit (loss) carried forward14 | -€5,285 | €0 | - | €0 | - |
| Amounts payable17/49 | €319,361 | €296,571 | €268,378 | €293,296 | ▲ 9.3% |
| Amounts payable after more than one year17 | €281,877 | €252,109 | €221,497 | €190,014 | ▼ 14.2% |
| Financial debts170/4 | €281,877 | €252,109 | €221,497 | €190,014 | ▼ 14.2% |
| Amounts payable within one year42/48 | €36,921 | €44,462 | €46,880 | €103,282 | ▲ 120% |
| Current portion of amounts payable after more than one year42 | €28,948 | €29,767 | €30,612 | €31,483 | ▲ 2.8% |
| Trade debts44 | €4,196 | €3,229 | €5,274 | €9,101 | ▲ 72.6% |
| Suppliers440/4 | €4,196 | €3,229 | €5,274 | €9,101 | ▲ 72.6% |
| Taxes, remuneration and social security45 | - | €7,204 | €10,995 | €5,426 | ▼ 50.6% |
| Taxes450/3 | - | €4,273 | €7,940 | €2,290 | ▼ 71.2% |
| Remuneration and social security454/9 | - | €2,931 | €3,054 | €3,136 | ▲ 2.7% |
| Other amounts payable47/48 | €3,777 | €4,262 | €0 | €57,271 | - |
| Accrued charges and deferred income492/3 | €563 | €0 | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,285 | €13,148 | €27,883 | €48,388 | ▲ 73.5% |
| + Depreciation and write-downs630 | €17,906 | €35,181 | €37,074 | €40,987 | ▲ 10.6% |
| Operating cash flow (approximation) | €12,621 | €48,330 | €64,957 | €89,375 | ▲ 37.6% |
| Investment in fixed assets (approximation) | - | -€9,708 | -€9,397 | -€16,326 | ▼ 73.7% |
| Change in cash | - | €9,391 | €23,956 | €17,078 | ▼ 28.7% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Owners
Network & group
VFC shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of VFC. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
2 establishment units
Buildings and parcels at the addresses
3 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 51022D0421/00H002 | Wallonia | 330 m² | 1 · 107 m² | 11.5 m · 3 |
| 57042C0109/00P000 | Wallonia | 278 m² | 1 · 299 m² | 12.0 m · 3 |
| 57078D1062/00B009 | Wallonia | 275 m² | 1 · 276 m² | - |