VIP SOLUTIONS
ActiveVIP SOLUTIONS has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €-2k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 12% of 27446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency18=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.09 against 1.09 in 2024), and 93.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.8%
Return on assets
-0.4%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 27446 sector peers (2025).
NBB · sector comparisonPosition among 27446 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
on the day
2022
3 d late
2021
4 d early
2020
9 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-2k▲ 24.6%
2024 · €-3k
2019: €-579
2020: €1k
2021: €2k
2022: €-783
2023: €-2k
2024: €-3k
2019 → 2025
Working capital
€37k▼ 1.0%
2024 · €38k
2019: €34k
2020: €32k
2021: €35k
2022: €36k
2023: €40k
2024: €38k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€39k▼ 2.0%€37k▼ 4.6%€34k▼ 7.0%€32k▼ 5.7%
Operating result€7k-€4k▼ 46.3%€851▼ 76.7%€-1k€-5k▼ 368%
Net result€2k-€-783€-2k▼ 130%€-3k▼ 44.3%€-2k▲ 24.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €1k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €476k
Fixed assets
€5k▼ 25.4%
Current assets
€471k▲ 3.7%
Equity and liabilities €476k
Equity
€32k▼ 5.7%
Debt
€443k▲ 4.0%
The debt ratio rises from 92.5% to 93.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-3k▼
2024 · €5k
Cash flow
€-396▼
2024 · €4k
Solvency
6.8%▼
2024 · 7.5%
Current ratio
1.09▼
2024 · 1.09
Quick ratio
1.09▼
2024 · 1.09
Debt / equity
13.68▲
2024 · 12.40
ROE
-6.0%▲
2024 · -7.5%
ROA
-0.4%▲
2024 · -0.6%
Interest coverage
-7.46▼
2024 · 1.20
Debt
€443k▲
2024 · €426k
Debt ≤ 1 year
€434k▲
2024 · €417k
Income taxes
€720▼
2024 · €881
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€460k€476k▲
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€454k€471k▲
Amounts receivable within one year40/41€446k€452k▲
Trade receivables40€43k€58k▲
Other amounts receivable41€403k€395k▼
Cash at bank and in hand54/58€91€5k▲
Deferred charges and accrued income490/1€9k€13k▲
Equity and liabilities
Total equity and liabilities10/49€460k€476k▲
Equity10/15€34k€32k▼
Contributions10/11€69k€69k=
Reserves13€200€200=
Non-distributable reserves130/1€200€200=
Reserves not available under the articles1311€200€200=
Profit (loss) carried forward14€-34k€-36k▼
Amounts payable17/49€426k€443k▲
Amounts payable within one year42/48€417k€434k▲
Current portion of amounts payable after more than one year42€1k-
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€410k€431k▲
Accrued charges and deferred income492/3€9k€9k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€2k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€7k€-2k▼
Operating profit (loss)9901€-1k€-5k▼
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€5k€427▼
Recurring financial charges65€5k€427▼
Profit (loss) for the period before taxes9903€-2k€-1k▲
Income taxes67/77€881€720▼
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-36k▼
Profit (loss) brought forward from the previous period14P€-32k€-34k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €2k ▲92.3%
Operating result €7k, net result €2k, both a record.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 9 days late
31-03
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
28-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ciney · 1 establishment unit since 2004
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Commerce 405590 CineyGround area
440 m²
Building footprint
81 m²
Parcel 91030A0356/00P016, Wallonia. Linked by address, not a title deed.
1 establishment unit
VIP Solutions
since 20042.136.603.063
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030A0356/00P016 | Wallonia | 440 m² | 1 · 81 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
JOHN GUILMAIN
BE 0849.616.466
Marchin · Eq €32k
Antwerps Atelier
BE 0413.484.571
Antwerpen · Eq €32k
ARTE FINESTRA
BE 0461.472.847
Braine-le-Comte · Eq €32k
PK MENUISERIE
BE 0784.703.175
Mont-Saint-Guibert · Eq €32k
TIELEMANS PATRICK
BE 0771.914.221
Peer · Eq €32k
Of 20,033 companies in sector 43320 we hold annual accounts for 9,135. 6,903 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-02-2004
Fiscal year end31-03
Activities, NACEBEL
43320Joinery installation
45421
01410Raising of dairy cattle
41001General construction of residential buildings
43230Insulation installation
43291Specialised construction activities
43410Roofing work
45211
45220
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.