VICLO
ActiveSummary
VICLO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of VICLO were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €423,360 and a net result of €76,919. Equity is growing by ~40.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 6166 sector peers (fiscal year 2024). The company has been active since 2009 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.
Filing: Filed more than 90 days late
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Signals
1 signal. The signal on the left, the evidence on the right.
+raises risk
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-11-2025, 122 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
122 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
151 d late
2019
153 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 87 days after 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 (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€423,360▲ 22.2%
2023 · €346,441
Net result
€76,919▲ 12.4%
2023 · €68,425
Total assets
€545,086▲ 11.6%
2023 · €488,492
Solvency
77.7%▲ 6.7pp
2023 · 70.9%
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
Line20202021202220232024
Operating result€43,771▼ 25.1%€119,833▲ 174%€108,689▼ 9.3%€98,714▼ 9.2%€108,709▲ 10.1%
Net result€29,445within the sector's middle half▼ 19.0%€81,558within the sector's middle half▲ 177%€75,400within the sector's middle half▼ 7.6%€68,425within the sector's middle half▼ 9.2%€76,919within the sector's middle half▲ 12.4%
Equity€121,059below the sector's middle half▲ 32.1%€202,617within the sector's middle half▲ 67.4%€278,016within the sector's middle half▲ 37.2%€346,441within the sector's middle half▲ 24.6%€423,360within the sector's middle half▲ 22.2%
Total assets€177,890below the sector's middle half▲ 16.1%€306,582below the sector's middle half▲ 72.3%€443,284below the sector's middle half▲ 44.6%€488,492below the sector's middle half▲ 10.2%€545,086below the sector's middle half▲ 11.6%
Debt€56,832▼ 7.7%€103,965▲ 82.9%€165,267▲ 59.0%€142,051▼ 14.0%€121,726▼ 14.3%
Working capital€119,526within the sector's middle half▲ 28.7%€201,850within the sector's middle half▲ 68.9%€253,877within the sector's middle half▲ 25.8%€371,546above the sector's middle half▲ 46.3%€438,045above the sector's middle half▲ 17.9%
Solvency68.1%within the sector's middle half▲ 8.3pp66.1%within the sector's middle half▼ 2.0pp62.7%within the sector's middle half▼ 3.4pp70.9%within the sector's middle half▲ 8.2pp77.7%within the sector's middle half▲ 6.7pp
Current ratio3.10above the sector's middle half▲ 0.292.94above the sector's middle half▼ 0.162.96within the sector's middle half▲ 0.024.18above the sector's middle half▲ 1.225.09above the sector's middle half▲ 0.92
Return on assets (ROA)16.6%above the sector's middle half▼ 7.2pp26.6%above the sector's middle half▲ 10.1pp17.0%above the sector's middle half▼ 9.6pp14.0%above the sector's middle half▼ 3.0pp14.1%above the sector's middle half▲ 0.1pp
Staff (FTE)1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=0.7within the sector's middle half▼ 30.0%
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 abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 10% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €545,086
Equity
€423,360 ▲ 22.2%
Debt
€121,726 ▼ 14.3%
Debt's share of the balance-sheet total falls from 29.1% to 22.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
18.2%▼
2023 · 19.8%
Debt ≤ 1 year
€107,041▼
2023 · €116,946
Debt > 1 year
€14,685▼
2023 · €25,104
Income taxes
€30,535▲
2023 · €28,690
Staff costs
€136▼
2023 · €47,354
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €63,828 | €65,871 | €47,354 | €136 | ▼ 99.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,638 | €766 | €4,115 | - | - | - |
| Other operating charges640/8 | - | €912 | €16,503 | €9,711 | €62 | ▼ 99.4% |
| Gross operating margin9900 | €115,605 | €185,338 | €195,179 | €155,780 | €108,907 | ▼ 30.1% |
| Operating profit (loss)9901 | €43,771 | €119,833 | €108,689 | €98,714 | €108,709 | ▲ 10.1% |
| Financial income75/76B | - | €131 | €4 | - | €0 | - |
| Recurring financial income75 | - | €131 | €4 | - | €0 | - |
| Financial charges65/66B | - | €588 | €1,466 | €1,599 | €1,255 | ▼ 21.5% |
| Recurring financial charges65 | €449 | €588 | €1,466 | €1,599 | €1,255 | ▼ 21.5% |
| Profit (loss) for the period before taxes9903 | €43,321 | €119,376 | €107,228 | €97,115 | €107,453 | ▲ 10.6% |
| Income taxes67/77 | €13,877 | €37,818 | €31,828 | €28,690 | €30,535 | ▲ 6.4% |
| Profit (loss) for the period9904 | €29,445 | €81,558 | €75,400 | €68,425 | €76,919 | ▲ 12.4% |
| Profit (loss) for the period to be appropriated9905 | €29,445 | €81,558 | €75,400 | €68,425 | €76,919 | ▲ 12.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €177,890 | €306,582 | €443,284 | €488,492 | €545,086 | ▲ 11.6% |
| Fixed assets21/28 | €1,533 | €766 | €59,663 | - | - | - |
| Tangible fixed assets22/27 | €1,533 | €766 | €59,663 | - | - | - |
| Plant, machinery and equipment23 | - | €766 | - | - | - | - |
| Furniture and vehicles24 | - | - | €59,663 | - | - | - |
| Current assets29/58 | €176,358 | €305,815 | €383,620 | €488,492 | €545,086 | ▲ 11.6% |
| Amounts receivable within one year40/41 | €151,243 | €150,131 | €5,555 | €228,079 | €176,089 | ▼ 22.8% |
| Trade receivables40 | - | €149,056 | €4,480 | €197,161 | €154,311 | ▼ 21.7% |
| Other amounts receivable41 | - | €1,075 | €1,075 | €30,919 | €21,778 | ▼ 29.6% |
| Cash at bank and in hand54/58 | €3,539 | €134,109 | €356,490 | €238,837 | €347,421 | ▲ 45.5% |
| Deferred charges and accrued income490/1 | - | €21,576 | €21,576 | €21,576 | €21,576 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €177,890 | €306,582 | €443,284 | €488,492 | €545,086 | ▲ 11.6% |
| Equity10/15 | €121,059 | €202,617 | €278,016 | €346,441 | €423,360 | ▲ 22.2% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €114,859 | €196,417 | €271,816 | €340,241 | €417,160 | ▲ 22.6% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | €307 | €307 | €307 | €307 | = |
| Distributable reserves133 | - | €194,249 | €269,649 | €338,074 | €414,993 | ▲ 22.8% |
| Amounts payable17/49 | €56,832 | €103,965 | €165,267 | €142,051 | €121,726 | ▼ 14.3% |
| Amounts payable after more than one year17 | - | - | €35,524 | €25,104 | €14,685 | ▼ 41.5% |
| Financial debts170/4 | - | - | €35,524 | €25,104 | €14,685 | ▼ 41.5% |
| Amounts payable within one year42/48 | €56,832 | €103,965 | €129,744 | €116,946 | €107,041 | ▼ 8.5% |
| Current portion of amounts payable after more than one year42 | - | - | €10,236 | €10,419 | €10,411 | ▼ 0.1% |
| Financial debts43 | - | €5,487 | - | - | - | - |
| Credit institutions430/8 | - | €5,487 | - | - | - | - |
| Trade debts44 | €18,245 | €1,744 | €44,081 | €3,461 | €2,463 | ▼ 28.8% |
| Suppliers440/4 | - | €1,744 | €44,081 | €3,461 | €2,463 | ▼ 28.8% |
| Advances received on contracts in progress46 | - | - | €5,421 | €5,421 | €762 | ▼ 85.9% |
| Taxes, remuneration and social security45 | - | €96,733 | €70,006 | €97,646 | €93,404 | ▼ 4.3% |
| Taxes450/3 | - | €86,059 | €59,006 | €95,061 | €93,404 | ▼ 1.7% |
| Remuneration and social security454/9 | - | €10,674 | €11,000 | €2,585 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,445 | €81,558 | €75,400 | €68,425 | €76,919 | ▲ 12.4% |
| + Depreciation and write-downs630 | €7,638 | €766 | €4,115 | - | - | - |
| Operating cash flow (approximation) | €37,083 | €82,324 | €79,515 | €68,425 | €76,919 | ▲ 12.4% |
| Investment in fixed assets (approximation) | - | €0 | -€63,012 | - | - | - |
| Change in cash | - | €130,570 | €222,381 | -€117,653 | €108,584 | ▲ 192% |
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
2025
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 122 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €81,558 ▲177%
Operating result €119,833, net result €81,558, both a record.
31-12
Financial
Equity above €200,000Eq €202,617 ▲67.4%
4 profitable years in a row build equity to €202,617.
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 151 days late
2020
31-12
Financial
Equity above €100,000Eq €121,059 ▲32.1%
3 profitable years in a row build equity to €121,059.
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 153 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Directors · office · real estate
Directors
2 acts for this company are 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, Bilzen-Hoeselt · 1 establishment unit since 2009
Ground area
2,132 m²
Building footprint
210 m²
Volume, LiDAR
1,457 m³
Parcel 73032G0557/00S002, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
VICLO BVBA
since 20092.177.136.294
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73032G0557/00S002 | Flanders | 2,132 m² | 1 · 210 m² | 11.4 m · 2 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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Of 24,728 companies in sector 64210 we hold annual accounts for 19,800. 13,720 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
Founded12-03-2009
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
73200Market research and public opinion polling
E-invoicing
Reachable via Peppol
Peppol ID
0208:0810393725
Also
9925:BE0810393725
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.