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 €28,731 and a net result of €11,291. Equity is growing by about 60% per year across the filed financial years. Its solvency ranks better than 21% of 9,723 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €28,731
- Profit
- €11,291
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
This company filed its last 3 accounts on average 64 days after the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Highest result from 2023 to 2025net €11,291 ▲17.1%
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2023 to 2025, 3 financial years
The operating result has risen two years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €288 | - |
| Non-recurring operating charges66A | - | - | €50 | - |
| Gross operating margin9900 | €1,376 | €22,534 | €23,377 | ▲ 3.7% |
| Operating profit (loss)9901 | €1,376 | €22,534 | €23,039 | ▲ 2.2% |
| Financial charges65/66B | €3,576 | €10,186 | €7,497 | ▼ 26.4% |
| Recurring financial charges65 | €3,576 | €10,186 | €7,497 | ▼ 26.4% |
| Profit (loss) for the period before taxes9903 | -€2,200 | €12,348 | €15,541 | ▲ 25.9% |
| Income taxes67/77 | - | €2,709 | €4,250 | ▲ 56.9% |
| Profit (loss) for the period9904 | -€2,200 | €9,640 | €11,291 | ▲ 17.1% |
| Profit (loss) for the period to be appropriated9905 | -€2,200 | €9,640 | €11,291 | ▲ 17.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €189,630 | €187,685 | €187,616 | = |
| Fixed assets21/28 | €180,000 | €180,000 | €180,000 | = |
| Financial fixed assets28 | €180,000 | €180,000 | €180,000 | = |
| Current assets29/58 | €9,630 | €7,685 | €7,616 | ▼ 0.9% |
| Amounts receivable within one year40/41 | €4,451 | €7,418 | €7,510 | ▲ 1.2% |
| Trade receivables40 | €4,265 | €7,418 | €7,510 | ▲ 1.2% |
| Other amounts receivable41 | €186 | €0 | - | - |
| Cash at bank and in hand54/58 | €1,997 | €268 | €106 | ▼ 60.3% |
| Deferred charges and accrued income490/1 | €3,182 | €0 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €189,630 | €187,685 | €187,616 | = |
| Equity10/15 | €7,800 | €17,440 | €28,731 | ▲ 64.7% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | -€2,200 | €7,440 | €18,731 | ▲ 152% |
| Amounts payable17/49 | €181,830 | €170,245 | €158,885 | ▼ 6.7% |
| Amounts payable after more than one year17 | €127,725 | €109,152 | €89,687 | ▼ 17.8% |
| Financial debts170/4 | €127,725 | €109,152 | €89,687 | ▼ 17.8% |
| Amounts payable within one year42/48 | €54,105 | €61,093 | €69,198 | ▲ 13.3% |
| Current portion of amounts payable after more than one year42 | €16,275 | €18,572 | €19,465 | ▲ 4.8% |
| Trade debts44 | €1,200 | €2,400 | €3,600 | ▲ 50.0% |
| Suppliers440/4 | €1,200 | €2,400 | €3,600 | ▲ 50.0% |
| Taxes, remuneration and social security45 | €630 | €4,120 | €8,462 | ▲ 105% |
| Taxes450/3 | €630 | €4,120 | €8,462 | ▲ 105% |
| Other amounts payable47/48 | €36,000 | €36,000 | €37,670 | ▲ 4.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,200 | €9,640 | €11,291 | ▲ 17.1% |
| Operating cash flow (approximation) | -€2,200 | €9,640 | €11,291 | ▲ 17.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | -€1,729 | -€161 | ▲ 90.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 27-07-2026 | 2026-00344105 |
| 31-12-2024 | micro format | 29-09-2025 | 2025-00523887 |
| 31-12-2023 | micro format | 13-12-2024 | 2024-00615182 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 63076B0986/00F003 | Wallonia | 576 m² | 1 · 241 m² | 6.2 m · 2 |