VIPcon
ActiveVIPcon has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €24k. Equity is growing by ~57% per year across the filed fiscal years. Its solvency ranks better than 49% of 3256 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency82▲+19
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.26 in 2024), but 56.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
43.9%
Return on assets
28%
Age of the figures
8 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
29 d early
2023
31 d early
2022
33 d early
2021
40 d early
2020
1 d early
2019
35 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€37k▲ 58.2%
2024 · €23k
2018: €3k
2019: €-15k
2020: €-18k
2021: €2k
2022: €11k
2023: €13k
2024: €23k
2018 → 2025
Total assets
€85k▲ 32.3%
2024 · €64k
2018: €57k
2019: €56k
2020: €57k
2021: €71k
2022: €66k
2023: €63k
2024: €64k
2018 → 2025
Net result
€24k▲ 11.3%
2024 · €21k
2018: €-9k
2019: €-17k
2020: €-3k
2021: €20k
2022: €9k
2023: €8k
2024: €21k
2018 → 2025
Working capital
€24k▲ 176%
2024 · €9k
2018: €9k
2019: €6k
2020: €-2k
2021: €7k
2022: €5k
2023: €2k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€11k▲ 489%€13k▲ 23.0%€23k▲ 77.6%€37k▲ 58.2%
Operating result€23k-€13k▼ 40.4%€12k▼ 8.1%€29k▲ 134%€32k▲ 10.1%
Net result€20k-€9k▼ 55.0%€8k▼ 5.0%€21k▲ 151%€24k▲ 11.3%
Turnover and EBIT margin not published: the abbreviated or micro 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 10% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€27k▲ 18.7%
Current assets
€58k▲ 39.8%
Equity and liabilities €85k
Equity
€37k▲ 58.2%
Debt
€47k▲ 17.3%
The debt ratio falls from 63.3% to 56.1%: equity grows faster than debt.
Key figures and ratios
EBITDA
€36k▲
2024 · €33k
Cash flow
€28k▲
2024 · €25k
Solvency
43.9%▲
2024 · 36.7%
Current ratio
1.70▲
2024 · 1.26
Quick ratio
1.70▲
2024 · 1.26
Debt / equity
1.28▼
2024 · 1.72
ROE
63.7%▼
2024 · 90.5%
ROA
28.0%▼
2024 · 33.2%
Interest coverage
93.15▲
2024 · 46.05
Debt
€47k▲
2024 · €40k
Debt ≤ 1 year
€34k▲
2024 · €33k
Debt > 1 year
€13k▲
2024 · €7k
Income taxes
€8k▲
2024 · €8k
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€64k€85k▲
Fixed assets21/28€23k€27k▲
Intangible fixed assets21€7k€5k▼
Tangible fixed assets22/27€16k€22k▲
Furniture and vehicles24€2k€8k▲
Other tangible fixed assets26€14k€13k▼
Current assets29/58€41k€58k▲
Amounts receivable after more than one year29€2k-
Other amounts receivable291€2k-
Amounts receivable within one year40/41€21k€16k▼
Trade receivables40€9k€9k▼
Other amounts receivable41€11k€7k▼
Cash at bank and in hand54/58€15k€37k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€64k€85k▲
Equity10/15€23k€37k▲
Contributions10/11€8k€8k=
Outside capital11€8k€8k=
Other1109/19€8k€8k=
Reserves13€12k€25k▲
Distributable reserves133€12k€25k▲
Profit (loss) carried forward14€3k€4k▲
Amounts payable17/49€40k€47k▲
Amounts payable after more than one year17€7k€13k▲
Financial debts170/4€7k€13k▲
Amounts payable within one year42/48€33k€34k▲
Current portion of amounts payable after more than one year42€7k€4k▼
Financial debts43-€844
Credit institutions430/8-€844
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€12k€14k▲
Other amounts payable47/48€11k€10k▼
Accrued charges and deferred income492/3€294€240▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€626▼
Non-recurring operating charges66A-€309
Gross operating margin9900€34k€37k▲
Operating profit (loss)9901€29k€32k▲
Financial income75/76B€709€656▼
Recurring financial income75€709€656▼
Financial charges65/66B€707€388▼
Recurring financial charges65€707€388▼
Profit (loss) for the period before taxes9903€29k€32k▲
Income taxes67/77€8k€8k▲
Profit (loss) for the period9904€21k€24k▲
Profit (loss) for the period to be appropriated9905€21k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€27k▲
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer to equity691/2€10k€14k▲
To other reserves6921€10k€14k▲
Profit to be distributed694/7€11k€10k▼
Return on contributions (dividend)694€11k€10k▼
The notes to these accounts (10 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
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €24k ▲11.3%
Operating result €32k, net result €24k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €20k
Net result €20k after 3 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brugge · 1 establishment unit since 2018
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.
Iepenlaan 98200 BruggeGround area
594 m²
Building footprint
90 m²
Volume, LiDAR
452 m³
Parcel 31424B0338/00B000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VIPcon
since 20182.271.183.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0338/00B000 | Flanders | 594 m² | 1 · 90 m² | 7.1 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 650 EUR awarded · 650 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 270 EUR | 300 EUR |
| 2024 | 1 | 270 EUR | 240 EUR |
| 2023 | 1 | 110 EUR | 110 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 5,486 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2011
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.