Summary
VINDI 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 €662,423 and a net result of €122,336, of which €155,001 non-recurring income. Equity has been growing by about 3.9% per year since 2018. Its solvency ranks better than 94% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 16-03-1994 Normal situation
- Activity
- Activities of holding companies NACE 64210and 1 other
- Establishment unit
- 2.068.345.351 2880 Bornem, since 26-09-1994
- Financial year end
- 31 December
- Peppol
- Reachable since 30-10-2023
Board and ownership
Board
- Patteet DirkDirector · since 24-08-2021
- Patteet VincentDirector · since 24-08-2021
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €122,336
- ▲ 359%
- Equity
- €662,423
- ▲ 22.7%
- Total assets
- €697,222
- ▲ 22.7%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
neutral
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 days early
2024
29 days early
2023
6 days early
2022
3 days early
2021
on the day
2020
4 days early
2019
2 days early
← 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 8 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% 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 (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 17-07-2026 at the NBB all 29 filings
Equity
€662,423▲ 22.7%
2024 · €540,087
Net result
€122,336▲ 359%
2024 · €26,677
Total assets
€697,222▲ 22.7%
2024 · €568,028
Solvency
95.0%▼ 0.1pp
2024 · 95.1%
In the rankings
#8 oldest company in Bornem, Finance and insurance sector
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
€173,755
▲ 382%
2025
20182025
Net result
€122,336
▲ 359%
2025
highest quarter of the sector
20182025
Equity
€662,423
▲ 22.7%
2025
highest quarter of the sector
20182025
Total assets
€697,222
▲ 22.7%
2025
middle half of the sector
20182025
Debt
€34,799
▲ 24.5%
2025
20182025
Working capital
€612,299
▲ 134%
2025
highest quarter of the sector
20182025
Solvency
95.0%
▼ 0.1pp
2025
highest quarter of the sector
20182025
Current ratio
18.60
▲ 8.24
2025
highest quarter of the sector
20182025
Return on assets (ROA)
17.5%
▲ 12.8pp
2025
middle half of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€152,887-€42,386▼ 72.3%€148,249▲ 250%€57,352▼ 61.3%€35,550▼ 38.0%€45,848▲ 29.0%€36,038▼ 21.4%€173,755▲ 382%
Net result€101,114-€27,756▼ 72.6%€107,705above the sector's middle half▲ 288%€130,040above the sector's middle half▲ 20.7%€16,558within the sector's middle half▼ 87.3%€42,135within the sector's middle half▲ 154%€26,677within the sector's middle half▼ 36.7%€122,336above the sector's middle half▲ 359%
Equity€428,591-€456,347▲ 6.5%€564,051above the sector's middle half▲ 23.6%€475,076above the sector's middle half▼ 15.8%€491,635above the sector's middle half▲ 3.5%€513,410above the sector's middle half▲ 4.4%€540,087above the sector's middle half▲ 5.2%€662,423above the sector's middle half▲ 22.7%
Total assets€591,835-€579,699▼ 2.1%€713,442within the sector's middle half▲ 23.1%€851,399within the sector's middle half▲ 19.3%€666,688within the sector's middle half▼ 21.7%€558,548within the sector's middle half▼ 16.2%€568,028within the sector's middle half▲ 1.7%€697,222within the sector's middle half▲ 22.7%
Debt€163,244-€123,353▼ 24.4%€149,390▲ 21.1%€376,323▲ 152%€175,054▼ 53.5%€45,137▼ 74.2%€27,941▼ 38.1%€34,799▲ 24.5%
Working capital€222,166-€218,738▼ 1.5%€318,345above the sector's middle half▲ 45.5%€261,329above the sector's middle half▼ 17.9%€269,592above the sector's middle half▲ 3.2%€293,096above the sector's middle half▲ 8.7%€261,480above the sector's middle half▼ 10.8%€612,299above the sector's middle half▲ 134%
Solvency72.4%-78.7%▲ 6.3pp79.1%above the sector's middle half▲ 0.3pp55.8%within the sector's middle half▼ 23.3pp73.7%within the sector's middle half▲ 17.9pp91.9%above the sector's middle half▲ 18.2pp95.1%above the sector's middle half▲ 3.2pp95.0%above the sector's middle half▼ 0.1pp
Current ratio4.83-6.36▲ 1.524.54above the sector's middle half▼ 1.821.77within the sector's middle half▼ 2.782.65within the sector's middle half▲ 0.897.49above the sector's middle half▲ 4.8410.36above the sector's middle half▲ 2.8618.60above the sector's middle half▲ 8.24
Return on assets (ROA)17.1%-4.8%▼ 12.3pp15.1%within the sector's middle half▲ 10.3pp15.3%within the sector's middle half▲ 0.2pp2.5%within the sector's middle half▼ 12.8pp7.5%within the sector's middle half▲ 5.1pp4.7%within the sector's middle half▼ 2.8pp17.5%within the sector's middle half▲ 12.8pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). 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 operating result for 2025 is 4.8 times that of 2024 and the highest since 2021. It is a recovery after the fall in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €697,222
Fixed assets
€50,124 ▼ 82.0%
Current assets
€647,097 ▲ 124%
Equity and liabilities €697,222
Equity
€662,423 ▲ 22.7%
Debt
€34,799 ▲ 24.5%
Debt's share of the balance-sheet total rises from 4.9% to 5.0%. Equity and debt are higher.
Key figures and ratios
ROE
18.5%▲
2024 · 4.9%
Debt ≤ 1 year
€34,799▲
2024 · €27,941
Income taxes
€51,719▲
2024 · €11,073
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €4,505 | - | €2,049 | €85,415 | €66,456 |
| Depreciation and write-downs of the year | €15,865 | €15,513 | €15,791 | €27,122 | €17,640 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2025 · 1 entry · €990 awarded · €990 paidAnnual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | - | €155,001 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,423 | €15,137 | €14,870 | €15,865 | €15,513 | €15,791 | €27,122 | €17,640 | ▼ 35.0% |
| Other operating charges640/8 | - | - | - | €1,243 | €1,326 | €1,983 | €1,641 | €1,495 | ▼ 8.9% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €18,581 | - |
| Gross operating margin9900 | €173,540 | €61,526 | €164,783 | €74,460 | €52,389 | €63,623 | €64,802 | €211,471 | ▲ 226% |
| Operating profit (loss)9901 | €152,887 | €42,386 | €148,249 | €57,352 | €35,550 | €45,848 | €36,038 | €173,755 | ▲ 382% |
| Financial income75/76B | - | - | - | €99,500 | €3,703 | €14,689 | €10 | €1,021 | ▲ 98× |
| Recurring financial income75 | - | €2,000 | €4,622 | €99,500 | €3,703 | €14,689 | €10 | €1,021 | ▲ 98× |
| Financial charges65/66B | - | - | - | €1,496 | €13,170 | €3,591 | -€1,701 | €721 | - |
| Recurring financial charges65 | €2,720 | €2,138 | €1,664 | €1,496 | €13,170 | €3,591 | -€1,701 | €721 | - |
| Profit (loss) for the period before taxes9903 | €150,166 | €42,248 | €151,208 | €155,356 | €26,083 | €56,947 | €37,750 | €174,055 | ▲ 361% |
| Income taxes67/77 | €49,052 | €14,492 | €43,503 | €25,316 | €9,525 | €14,812 | €11,073 | €51,719 | ▲ 367% |
| Profit (loss) for the period9904 | €101,114 | €27,756 | €107,705 | €130,040 | €16,558 | €42,135 | €26,677 | €122,336 | ▲ 359% |
| Transfer from tax-exempt reserves789 | - | - | - | - | €27,900 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €73,214 | €27,756 | €107,705 | €130,040 | €44,458 | €42,135 | €26,677 | €122,336 | ▲ 359% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €591,835 | €579,699 | €713,442 | €851,399 | €666,688 | €558,548 | €568,028 | €697,222 | ▲ 22.7% |
| Fixed assets21/28 | €311,735 | €320,151 | €305,281 | €249,570 | €234,057 | €220,314 | €278,607 | €50,124 | ▼ 82.0% |
| Tangible fixed assets22/27 | €267,384 | €275,800 | €260,930 | €249,570 | €234,057 | €220,314 | €278,607 | €50,124 | ▼ 82.0% |
| Land and buildings22 | - | - | - | €246,060 | €231,703 | €217,345 | €202,988 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | - | - | €3,510 | €2,354 | €2,969 | €3,319 | €4,160 | ▲ 25.3% |
| Furniture and vehicles24 | - | - | - | - | - | - | €72,300 | €45,965 | ▼ 36.4% |
| Financial fixed assets28 | €44,351 | €44,351 | €44,351 | - | - | - | - | - | - |
| Current assets29/58 | €280,100 | €259,549 | €408,161 | €601,829 | €432,631 | €338,233 | €289,422 | €647,097 | ▲ 124% |
| Amounts receivable within one year40/41 | €222,324 | €116,677 | €220,560 | €238,713 | €178,413 | €9,402 | €67,786 | €56,930 | ▼ 16.0% |
| Trade receivables40 | - | - | - | €20,570 | €0 | - | - | €1,612 | - |
| Other amounts receivable41 | - | - | - | €218,143 | €178,413 | €9,402 | €67,786 | €55,318 | ▼ 18.4% |
| Current investments50/53 | - | - | - | €50,000 | €118,136 | €59,791 | €121,549 | €150,049 | ▲ 23.4% |
| Cash at bank and in hand54/58 | €53,427 | €140,021 | €187,601 | €310,006 | €132,884 | €265,403 | €98,077 | €437,992 | ▲ 347% |
| Deferred charges and accrued income490/1 | - | - | - | €3,110 | €3,198 | €3,637 | €2,010 | €2,127 | ▲ 5.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €591,835 | €579,699 | €713,442 | €851,399 | €666,688 | €558,548 | €568,028 | €697,222 | ▲ 22.7% |
| Equity10/15 | €428,591 | €456,347 | €564,051 | €475,076 | €491,635 | €513,410 | €540,087 | €662,423 | ▲ 22.7% |
| Contributions10/11 | €6,197 | €6,197 | - | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €342,348 | €370,104 | €477,809 | €388,834 | €485,437 | €507,213 | €533,890 | €656,226 | ▲ 22.9% |
| Non-distributable reserves130/1 | - | - | - | €1,859 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,859 | - | - | - | - | - |
| Tax-exempt reserves132 | - | - | - | €27,900 | €0 | - | - | - | - |
| Distributable reserves133 | - | - | - | €359,075 | €485,437 | €507,213 | €533,890 | €656,226 | ▲ 22.9% |
| Profit (loss) carried forward14 | €80,045 | €80,045 | €80,045 | €80,045 | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €163,244 | €123,353 | €149,390 | €376,323 | €175,054 | €45,137 | €27,941 | €34,799 | ▲ 24.5% |
| Amounts payable after more than one year17 | €105,310 | €82,542 | €59,574 | €35,822 | €12,014 | €0 | - | - | - |
| Financial debts170/4 | - | - | - | €35,822 | €12,014 | €0 | - | - | - |
| Amounts payable within one year42/48 | €57,933 | €40,811 | €89,817 | €340,501 | €163,040 | €45,137 | €27,941 | €34,799 | ▲ 24.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | €43,519 | €35,528 | €18,937 | €6,762 | €5,045 | ▼ 25.4% |
| Trade debts44 | €1,239 | €5,836 | €1,898 | €35,104 | €9,906 | €3,629 | €4,646 | €9,652 | ▲ 108% |
| Suppliers440/4 | - | - | - | €35,104 | €9,906 | €3,629 | €4,646 | €9,652 | ▲ 108% |
| Taxes, remuneration and social security45 | - | - | - | €24,752 | €7,616 | €22,429 | €13,536 | €16,942 | ▲ 25.2% |
| Taxes450/3 | - | - | - | €16,090 | €7,616 | €14,108 | €12,863 | €16,942 | ▲ 31.7% |
| Remuneration and social security454/9 | - | - | - | €8,662 | €0 | €8,321 | €673 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | - | €237,126 | €109,990 | €142 | €2,998 | €3,159 | ▲ 5.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €101,114 | €27,756 | €107,705 | €130,040 | €16,558 | €42,135 | €26,677 | €122,336 | ▲ 359% |
| + Depreciation and write-downs630 | €12,423 | €15,137 | €14,870 | €15,865 | €15,513 | €15,791 | €27,122 | €17,640 | ▼ 35.0% |
| Operating cash flow (approximation) | €113,537 | €42,893 | €122,575 | €145,905 | €32,072 | €57,927 | €53,799 | €139,976 | ▲ 160% |
| Investment in fixed assets (approximation) | - | -€23,552 | €0 | €39,846 | €0 | -€2,049 | -€85,415 | €210,843 | - |
| Change in cash | - | €86,594 | €47,580 | €122,405 | -€177,122 | €132,519 | -€167,326 | €339,915 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 29 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 17-07-2026 | 2026-00319576 | |
| 31-12-2024 | micro format | 02-07-2025 | 2025-00256056 | |
| 31-12-2023 | micro format | 25-07-2024 | 2024-00291910 | |
| 31-12-2022 | micro format | 28-07-2023 | 2023-00285821 | |
| 31-12-2021 | micro format | 31-07-2022 | 2022-20261585 | |
| 31-12-2020 | micro format | 27-07-2021 | 2021-40700415 | |
| 31-12-2019 | micro format | 29-07-2020 | 2020-35700458 | |
| 31-12-2018 | micro format | 31-07-2019 | 2019-42500338 | |
| 31-12-2017 | micro format | 26-07-2018 | 2018-40500375 | |
| 31-12-2016 | micro format | 06-07-2017 | 2017-28900121 |
Board & ownership
Directors
Directors
2 directors
Patteet Dirk
Current
Patteet Vincent
Current
Owners and capital
Owners
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| Patteet Dirk |
|
| Patteet Vincent |
|
Network & group
VINDI shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of VINDI. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
17-07
micro format · 14 days before the deadline
2025
02-07
micro format · 29 days before the deadline
2024
2023
31-12
Financial
Liquidity more than doubledcurrent ratio 7.49
The current ratio rises from 2.65 to 7.49. Short-term debt falls from €163,040 to €45,137.
31-12
Financial
Equity above €500,000equity €513,410 ▲4.4%
With a profit in every financial year since 2018, equity grows to €513,410.
28-07
micro format · 3 days before the deadline
2022
31-12
Financial
Weakest financial yearnet €16,558 ▼87.3%
The net result drops to €16,558, the lowest from 2018 to 2025. It recovers the following year.
31-07
micro format · on the deadline day
2021
31-12
Financial
Highest result from 2018 to 2025net €130,040 ▲20.7%
The net result of €130,040 is the highest of those years.
27-07
micro format · 4 days before the deadline
2020
31-12
Financial
Equity above €500,000equity €564,051 ▲23.6%
With a profit in every financial year since 2018, equity grows to €564,051.
Show earlier events
29-07
micro format · 2 days before the deadline
2019
31-07
micro format · on the deadline day
2018
26-07
micro format · 5 days before the deadline
2017
06-07
micro format · 25 days before the deadline
1994
07-04
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
VINDI in Dutch
Enterprise number
0452.335.546
Legal form
Private limited company
Status
Active, normale toestand
Founded
16-03-1994
Entity type
Legal entity
Registered office and establishments
Registered office
Buitenland(BOR) 14A, 2880 Bornem, Belgium
Establishment unit
Buitenland(BOR) 14A, 2880 Bornem since 26-09-1994 · unit number 2.068.345.35163920 Other information service activities
Activities
NACEBEL 202564210
Activities of holding companies main activity
82990
Other business support services
Codes under NACEBEL 2008
64200
Holdings main activity
82990
Other business support services
Invoicing and payment
VAT number
BE 0452.335.546
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
319 m²
Building footprint
129 m²
Building volume
675 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12007A0078/00F006 | Flanders | 319 m² | 1 · 129 m² | 9.2 m · 2 |