Summary
VIKASSUR 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 €53,126 and a net result of €120,778. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 1502 sector peers (fiscal year 2025). The company has been active since 2003 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 1502 sector peers (2025).
NBB · sector comparisonPosition among 1502 sector peers
Solvency
better than 15%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
22 d early
2022
21 d early
2021
2 d early
2020
9 d early
2019
11 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 18 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 10 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 company by total assets in Stekene, Finance and insurance sector#8 oldest company in Stekene, Finance and insurance sector
Equity
€53,126▲ 64.2%
2024 · €32,348
Net result
€120,778▲ 398%
2024 · €24,270
Total assets
€844,574▼ 4.9%
2024 · €888,507
Solvency
6.3%▲ 2.6pp
2024 · 3.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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
Line20212022202320242025
Operating result-€13,941€7,797€1,914▼ 75.5%€43,106▲ 2,152%€188,911▲ 338%
Net result€1,202below the sector's middle half▲ 76.9%€796below the sector's middle half▼ 33.8%€971below the sector's middle half▲ 22.0%€24,270within the sector's middle half▲ 2,400%€120,778within the sector's middle half▲ 398%
Equity€29,311below the sector's middle half▲ 4.3%€30,107below the sector's middle half▲ 2.7%€31,077below the sector's middle half▲ 3.2%€32,348below the sector's middle half▲ 4.1%€53,126below the sector's middle half▲ 64.2%
Total assets€88,105below the sector's middle half▼ 5.2%€87,586below the sector's middle half▼ 0.6%€145,963below the sector's middle half▲ 66.7%€888,507within the sector's middle half▲ 509%€844,574within the sector's middle half▼ 4.9%
Debt€58,795▼ 9.4%€57,479▼ 2.2%€114,885▲ 99.9%€856,159▲ 645%€791,449▼ 7.6%
Working capital-€5,832within the sector's middle half▲ 37.0%€5within the sector's middle half-€2,125within the sector's middle half-€158,469below the sector's middle half▼ 7,357%-€148,128below the sector's middle half▲ 6.5%
Solvency33.3%within the sector's middle half▲ 3.0pp34.4%within the sector's middle half▲ 1.1pp21.3%within the sector's middle half▼ 13.1pp3.6%below the sector's middle half▼ 17.7pp6.3%below the sector's middle half▲ 2.6pp
Current ratio0.90below the sector's middle half▲ 0.041.00within the sector's middle half▲ 0.100.98within the sector's middle half▼ 0.020.29below the sector's middle half▼ 0.680.30below the sector's middle half=
Return on assets (ROA)1.4%below the sector's middle half▲ 0.6pp0.9%below the sector's middle half▼ 0.5pp0.7%below the sector's middle half▼ 0.2pp2.7%within the sector's middle half▲ 2.1pp14.3%within the sector's middle half▲ 11.6pp
Staff (FTE)2within the sector's middle half=1.6below the sector's middle half▼ 20.0%1.8within the sector's middle half▲ 12.5%2.5within the sector's middle half▲ 38.9%2.7within the sector's middle half▲ 8.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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 per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 338% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €844,574
Fixed assets
€782,278 ▼ 4.9%
Current assets
€62,296 ▼ 5.3%
Equity and liabilities €844,574
Equity
€53,126 ▲ 64.2%
Debt
€791,449 ▼ 7.6%
Debt's share of the balance-sheet total falls from 96.4% to 93.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
227.3%▲
2024 · 75.0%
Debt ≤ 1 year
€210,424▼
2024 · €224,259
Debt > 1 year
€581,025▼
2024 · €631,805
Income taxes
€40,369▲
2024 · €0
Staff costs
€189,059▲
2024 · €159,124
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €113,740 | €75,946 | €117,085 | €159,124 | €189,059 | ▲ 18.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,748 | €7,532 | €10,021 | €31,491 | €49,063 | ▲ 55.8% |
| Other operating charges640/8 | €2,105 | €2,301 | €2,419 | €38,862 | €3,907 | ▼ 89.9% |
| Non-recurring operating charges66A | - | - | - | €7,963 | €0 | ▼ 100% |
| Gross operating margin9900 | €109,652 | €93,577 | €131,440 | €280,545 | €430,941 | ▲ 53.6% |
| Operating profit (loss)9901 | -€13,941 | €7,797 | €1,914 | €43,106 | €188,911 | ▲ 338% |
| Financial income75/76B | €19,208 | €1,209 | €3,423 | €0 | €1,072 | ▲ 3,573,000% |
| Recurring financial income75 | €19,208 | €1,209 | €3,423 | €0 | €1,072 | ▲ 3,573,000% |
| Financial charges65/66B | €526 | €5,987 | €1,221 | €18,836 | €28,837 | ▲ 53.1% |
| Recurring financial charges65 | €526 | €5,987 | €1,221 | €18,836 | €28,837 | ▲ 53.1% |
| Profit (loss) for the period before taxes9903 | €4,742 | €3,020 | €4,117 | €24,270 | €161,147 | ▲ 564% |
| Income taxes67/77 | €3,540 | €2,224 | €3,146 | €0 | €40,369 | - |
| Profit (loss) for the period9904 | €1,202 | €796 | €971 | €24,270 | €120,778 | ▲ 398% |
| Profit (loss) for the period to be appropriated9905 | €1,202 | €796 | €971 | €24,270 | €120,778 | ▲ 398% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €88,105 | €87,586 | €145,963 | €888,507 | €844,574 | ▼ 4.9% |
| Fixed assets21/28 | €35,143 | €30,754 | €53,828 | €822,717 | €782,278 | ▼ 4.9% |
| Intangible fixed assets21 | €9,413 | €10,299 | €38,878 | €33,596 | €28,954 | ▼ 13.8% |
| Tangible fixed assets22/27 | €20,395 | €15,120 | €9,845 | €784,020 | €753,325 | ▼ 3.9% |
| Land and buildings22 | €17,012 | €12,488 | €7,963 | €782,889 | €743,684 | ▼ 5.0% |
| Plant, machinery and equipment23 | €3,383 | €2,633 | €1,882 | €1,132 | €381 | ▼ 66.3% |
| Furniture and vehicles24 | - | - | - | - | €9,260 | - |
| Financial fixed assets28 | €5,335 | €5,335 | €5,105 | €5,100 | €0 | ▼ 100% |
| Current assets29/58 | €52,962 | €56,832 | €92,135 | €65,790 | €62,296 | ▼ 5.3% |
| Amounts receivable within one year40/41 | €20,669 | €20,820 | €18,593 | €9,622 | €138 | ▼ 98.6% |
| Trade receivables40 | €2,098 | €2,304 | €78 | €364 | €138 | ▼ 62.1% |
| Other amounts receivable41 | €18,570 | €18,516 | €18,516 | €9,258 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €31,528 | €31,966 | €68,467 | €52,266 | €57,020 | ▲ 9.1% |
| Deferred charges and accrued income490/1 | €765 | €4,046 | €5,074 | €3,902 | €5,138 | ▲ 31.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €88,105 | €87,586 | €145,963 | €888,507 | €844,574 | ▼ 4.9% |
| Equity10/15 | €29,311 | €30,107 | €31,077 | €32,348 | €53,126 | ▲ 64.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €10,711 | €11,507 | €12,477 | €13,748 | €34,526 | ▲ 151% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €8,851 | €9,647 | €12,477 | €13,748 | €34,526 | ▲ 151% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €58,795 | €57,479 | €114,885 | €856,159 | €791,449 | ▼ 7.6% |
| Amounts payable after more than one year17 | - | - | €20,587 | €631,805 | €581,025 | ▼ 8.0% |
| Financial debts170/4 | - | - | €20,587 | €631,805 | €581,025 | ▼ 8.0% |
| Amounts payable within one year42/48 | €58,795 | €56,827 | €94,260 | €224,259 | €210,424 | ▼ 6.2% |
| Current portion of amounts payable after more than one year42 | - | - | €5,714 | €45,786 | €50,780 | ▲ 10.9% |
| Trade debts44 | €31,123 | €36,655 | €57,400 | €63,704 | €17,714 | ▼ 72.2% |
| Suppliers440/4 | €31,123 | €36,655 | €57,400 | €63,704 | €17,714 | ▼ 72.2% |
| Taxes, remuneration and social security45 | €27,617 | €20,173 | €31,145 | €36,770 | €41,930 | ▲ 14.0% |
| Taxes450/3 | €8,373 | €8,252 | €6,106 | €4,013 | €10,040 | ▲ 150% |
| Remuneration and social security454/9 | €19,244 | €11,921 | €25,039 | €32,757 | €31,889 | ▼ 2.6% |
| Other amounts payable47/48 | €55 | - | - | €78,000 | €100,000 | ▲ 28.2% |
| Accrued charges and deferred income492/3 | - | €651 | €39 | €95 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,202 | €796 | €971 | €24,270 | €120,778 | ▲ 398% |
| + Depreciation and write-downs630 | €7,748 | €7,532 | €10,021 | €31,491 | €49,063 | ▲ 55.8% |
| Operating cash flow (approximation) | €8,950 | €8,328 | €10,992 | €55,761 | €169,842 | ▲ 205% |
| Investment in fixed assets (approximation) | - | -€3,143 | -€33,096 | -€800,380 | -€8,625 | ▲ 98.9% |
| Change in cash | - | €439 | €36,501 | -€16,202 | €4,754 | ▲ 129% |
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
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €120,778 ▲398%
Operating result €188,911, net result €120,778, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
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 4 acts read
About the unread acts
We know of 4 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
4 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, Stekene · 1 establishment unit since 2003
Ground area
489 m²
Building footprint
317 m²
Volume, LiDAR
1,938 m³
Parcel 46024A0631/00E000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Polenlaan(STE) 21, 9190 Stekene
since 20032.229.897.762
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024A0631/00E000 | Flanders | 489 m² | 1 · 317 m² | 11.0 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 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,338 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
Founded16-07-2003
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0859659827
Also
9925:BE0859659827
Registered
20-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.