Equity
-€32,624
Debts exceed assets in financial year 2025.
VIC
Lifetime
20 annual accounts with figures on one time axis, 28 filings since 1997peak €272,032 (2024)
€192,254▼ 29.3%
lowest -€29,404 (2017)
-€10,060▲ €7,405
peak €46,190 (2021)
-€32,624▼ €29,208
€114,683▼ 37.1%
peak 5 FTE (2024)
2 FTE▼ 60.0%
Board1 name since 2021
1 directorLIBEN-STEYNS Fabienne Geneviève Andrée
Documentsfilings and deeds
30-09-202661 days late
2025abbreviated format
Gross margin from €272,032 to €192,254Loss of €10,060Staff from 5 FTE to 2 FTEEquity from -€3,416 to -€32,624Debts from €182,326 to €114,683Cash from €45,239 to €15,192
Key points
from the 2025 annual accountsLosses
-€59,666 in four years
Every financial year from 2022 to 2025 closed with a loss. 2023 was the heaviest.
Debts
€114,683 140% of the balance sheet
Suppliers 10%Taxes and wages 11%Other 79%
Staff
2 FTE from 5 in 2024
Between 2024 and 2025, 60% of the full-time equivalents disappeared.
Filings
28 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
Position in the sector
-39.8%
Lower solvency than 86% of companies in food and beverage service. Sector median 29.8% · 4,843 companies.
Checked score
32
Weak
Financially stronger than 12% of micro companies in food and beverage service (NACE 56)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
7.0% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.6%
01-2025: 3.6%● unchanged vs 12-2024
02-2025: 3.6%● unchanged vs 01-2025
03-2025: 3.6%● unchanged vs 02-2025
04-2025: 3.6%● unchanged vs 03-2025
05-2025: 3.6%● unchanged vs 04-2025
06-2025: 3.0%▼ -0.6 percentage points vs 05-2025lowest value
07-2025: 3.0%● unchanged vs 06-2025lowest value
08-2025: 3.0%● unchanged vs 07-2025lowest value
09-2025: 3.2%▲ +0.2 percentage points vs 08-2025
10-2025: 3.2%● unchanged vs 09-2025
11-2025: 3.2%● unchanged vs 10-2025
12-2025: 3.2%● unchanged vs 11-2025
01-2026: 3.2%● unchanged vs 12-2025
02-2026: 3.2%● unchanged vs 01-2026
03-2026: 3.1%▼ -0.1 percentage points vs 02-2026
04-2026: 3.1%● unchanged vs 03-2026
05-2026: 3.1%● unchanged vs 04-2026
06-2026: 3.0%▼ -0.1 percentage points vs 05-2026
07-2026: 3.1%▲ +0.1 percentage points vs 06-2026
08-2026: 3.4%▲ +0.3 percentage points vs 07-2026
09-2026: 3.4%● unchanged vs 08-2026
10-2026: 7.0%▲ +3.6 percentage points vs 09-2026highest value
11-2026: 7.0%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Negative equity -€32,624
Sector: Food and beverage service activities (NACE 56)
Loss of €10,060, the second in a row (financial year 2025)
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 9% of them on solvency, 19% on liquidity, 18% on profitability and 1% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as VIC has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VIC itself is higher: 7.0% within 12 months. It rests on far more data about VIC than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for VIC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.69 (0.47 in 2024), below 1. Short-term debt is 139.8% and cash 18.5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€32,624
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
61 days late
2024
64 days early
2023
2 days early
2022
5 days early
2021
93 days early
2020
12 days late
2019
7 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (4 of the last 5 accounts filed within 66 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Change of role: LIBEN-STEYNS Fabienne Geneviève Andrée, from manager to director
Director discharge: LIBEN-STEYNS Fabienne Geneviève Andrée · General meeting of 01-12-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0460582526
New establishment in Durbuy
Rue du Comte Théodule d'Ursel 4
First establishment
LA CANETTE, Rue Alphonse Eloy 1, Durbuy
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VIC Durbuy | €82,058 | €192,254 | -39.8% | 2 |
| FRONICA Hoogstraten | €101,052 | €197,633 | 45.1% | 2.7 |
| VAN DER CRUYSEN-HICQUET Lede | €82,183 | €121,739 | 14.0% | 2.7 |
| PINOCCHIO Ghent | €53,695 | €143,508 | -10.6% | 2.4 |
| COUVIREST Couvin | €122,855 | €143,767 | 76.5% | 2.8 |
| WITTROCK - BRAUNE Liège | €52,286 | €149,841 | 42.2% | 2.6 |
| LOUAMA Brussels | €78,744 | €103,676 | 61.4% | 2.1 |
These companies have the same main activity as VIC: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €52,300 and €123,000, founded between 1989 and 2005.
Official details
Source: KBO- Status
- Active since 28-04-1997Normal situation
- Activity
- Full-service restaurantsNACE 56111and 2 others
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment units
- 2.082.569.1156940 Durbuy, since 10-07-1997
- 2.199.234.6766940 Durbuy, since 01-01-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Insights on VIC
VIC files the abbreviated format. That format states no turnover. The gross margin rose from €174,722 in 2006 to €192,254 in 2025.
The balance sheet grew most in 2021 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VIC
- What is the company number of VIC?
- The company number of VIC is 0460.582.526. The VAT number is the same number with BE in front: BE 0460.582.526.
- Where is VIC based?
- The registered office is at Rue Alphonse Eloy 1, 6940 Durbuy.Company details
- What does VIC do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of VIC?
- VIC is a private limited company (BV).
- When was VIC founded?
- VIC was founded on 28-04-1997.
- Is VIC still active?
- Yes, VIC is an active enterprise in the KBO register.
- How many employees does VIC have?
- VIC had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does VIC fall under?
- In its 2025 annual accounts, VIC states joint committee 302 (Hotels and catering).
- What is the turnover of VIC?
- The turnover in financial year 2025 is ≈ €580,000. This figure is estimated from the gross margin of €192,254 and 31 comparable companies (NACE 56111). It probably lies between €490,000 and €640,000.
- Is VIC profitable?
- In financial year 2025, VIC made a loss of €10,060.
- Where can I find the annual accounts of VIC?
- VIC filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VIC due?
- VIC must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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