VITAFINANCE
ActiveSummary
The computed 12-month bankruptcy probability of VITAFINANCE is 1.7% (moderate). The 2025 annual accounts show negative equity (-€3,639) and a net result of €1,102. Equity is shrinking by ~33% per year across the filed fiscal years. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-7
Solvency21▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.33 against 0.31 in 2024; short-term debt: 104.3% and cash: 27.5% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
-4.3%
Return on assets
1.3%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 23-07-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
28 d late
2023
5 d late
2022
5 d early
2021
5 d early
2020
11 d early
2019
25 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 3 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 26 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€0
EBIT margin
Not included in this filing
Net result
€1,102▼ 82.6%
2024 · €6,327
Working capital
-€58,901▲ 13.5%
2024 · -€68,124
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result-€861-€6,759▼ 685%-€9,616▼ 42.3%€11,263€4,724▼ 58.1%
Net result-€1,690-€7,301▼ 332%-€10,061▼ 37.8%€6,327€1,102▼ 82.6%
Equity€6,294▼ 21.2%-€1,007-€11,067▼ 999%-€4,741▲ 57.2%-€3,639▲ 23.2%
Total assets€127,754▲ 1,026%€111,689▼ 12.6%€98,756▼ 11.6%€100,583▲ 1.9%€84,046▼ 16.4%
Debt€121,460▲ 3,509%€112,696▼ 7.2%€109,824▼ 2.5%€105,324▼ 4.1%€87,685▼ 16.7%
Working capital-€90,970-€87,277▲ 4.1%-€86,649▲ 0.7%-€68,124▲ 21.4%-€58,901▲ 13.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84,046
Fixed assets
€55,263 ▼ 20.2%
Current assets
€28,784 ▼ 8.0%
Key figures and ratios
EBITDA
€20,129▼
2024 · €26,078
Cash flow
€16,506▼
2024 · €21,143
Solvency
-4.3%▲
2024 · -4.7%
Current ratio
0.33▲
2024 · 0.31
Debt to equity
-24.10▼
2024 · -22.22
ROA
1.3%▼
2024 · 6.3%
Interest coverage
148.87▼
2024 · 169.96
Debt ≤ 1 year
€87,685▼
2024 · €99,416
Income taxes
€3,516▼
2024 · €4,782
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 906 companies that looked in July 2024 the way this one looks now, 6.1% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit under 5% of the balance sheet
6.1%
went bankrupt
4.1%
stopped otherwise
89%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 906 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,074 | €14,760 | €14,500 | €14,816 | €15,404 | ▲ 4.0% |
| Other operating charges640/8 | €1,623 | €1,163 | €1,406 | €1,711 | €1,725 | ▲ 0.8% |
| Gross operating margin9900 | €11,836 | €9,164 | €6,289 | €27,789 | €21,854 | ▼ 21.4% |
| Operating profit (loss)9901 | -€861 | -€6,759 | -€9,616 | €11,263 | €4,724 | ▼ 58.1% |
| Financial income75/76B | €0 | €0 | - | - | €29 | - |
| Recurring financial income75 | €0 | €0 | - | - | €29 | - |
| Financial charges65/66B | €265 | €391 | €251 | €153 | €135 | ▼ 11.9% |
| Recurring financial charges65 | €265 | €391 | €251 | €153 | €135 | ▼ 11.9% |
| Profit (loss) for the period before taxes9903 | -€1,126 | -€7,150 | -€9,867 | €11,109 | €4,618 | ▼ 58.4% |
| Income taxes67/77 | €564 | €151 | €194 | €4,782 | €3,516 | ▼ 26.5% |
| Profit (loss) for the period9904 | -€1,690 | -€7,301 | -€10,061 | €6,327 | €1,102 | ▼ 82.6% |
| Profit (loss) for the period to be appropriated9905 | -€1,690 | -€7,301 | -€10,061 | €6,327 | €1,102 | ▼ 82.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €127,754 | €111,689 | €98,756 | €100,583 | €84,046 | ▼ 16.4% |
| Formation expenses20 | €260 | €0 | - | - | - | - |
| Fixed assets21/28 | €111,685 | €97,186 | €82,686 | €69,291 | €55,263 | ▼ 20.2% |
| Intangible fixed assets21 | €90,000 | €80,000 | €70,000 | €60,000 | €50,000 | ▼ 16.7% |
| Tangible fixed assets22/27 | €21,685 | €17,186 | €12,686 | €9,291 | €5,263 | ▼ 43.4% |
| Furniture and vehicles24 | €21,685 | €17,186 | €12,686 | €9,291 | €5,263 | ▼ 43.4% |
| Current assets29/58 | €15,809 | €14,503 | €16,070 | €31,292 | €28,784 | ▼ 8.0% |
| Amounts receivable within one year40/41 | €9,907 | €1,846 | €774 | €4,915 | €2,488 | ▼ 49.4% |
| Trade receivables40 | €9,907 | €1,846 | €774 | €4,512 | €1,952 | ▼ 56.7% |
| Other amounts receivable41 | - | - | - | €404 | €536 | ▲ 32.7% |
| Cash at bank and in hand54/58 | €5,732 | €10,981 | €9,549 | €23,742 | €23,143 | ▼ 2.5% |
| Deferred charges and accrued income490/1 | €169 | €1,676 | €5,747 | €2,635 | €3,153 | ▲ 19.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €127,754 | €111,689 | €98,756 | €100,583 | €84,046 | ▼ 16.4% |
| Equity10/15 | €6,294 | -€1,007 | -€11,067 | -€4,741 | -€3,639 | ▲ 23.2% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | €94 | -€7,207 | -€17,267 | -€10,941 | -€9,839 | ▲ 10.1% |
| Amounts payable17/49 | €121,460 | €112,696 | €109,824 | €105,324 | €87,685 | ▼ 16.7% |
| Amounts payable after more than one year17 | €14,681 | €10,915 | €7,105 | €3,248 | - | - |
| Financial debts170/4 | €14,681 | €10,915 | €7,105 | €3,248 | - | - |
| Amounts payable within one year42/48 | €106,779 | €101,780 | €102,719 | €99,416 | €87,685 | ▼ 11.8% |
| Current portion of amounts payable after more than one year42 | €3,722 | €3,766 | €3,811 | €3,856 | €3,248 | ▼ 15.8% |
| Trade debts44 | €101,478 | €95,185 | €98,154 | €90,217 | €75,831 | ▼ 15.9% |
| Suppliers440/4 | €101,478 | €95,185 | €98,154 | €90,217 | €75,831 | ▼ 15.9% |
| Advances received on contracts in progress46 | - | €1,039 | - | - | - | - |
| Taxes, remuneration and social security45 | €1,166 | €715 | €194 | €4,782 | €8,298 | ▲ 73.5% |
| Taxes450/3 | €1,166 | €715 | €194 | €4,782 | €8,298 | ▲ 73.5% |
| Other amounts payable47/48 | €413 | €1,075 | €561 | €561 | €307 | ▼ 45.3% |
| Accrued charges and deferred income492/3 | - | - | - | €2,659 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,690 | -€7,301 | -€10,061 | €6,327 | €1,102 | ▼ 82.6% |
| + Depreciation and write-downs630 | €11,074 | €14,760 | €14,500 | €14,816 | €15,404 | ▲ 4.0% |
| Operating cash flow (approximation) | €9,384 | €7,459 | €4,439 | €21,143 | €16,506 | ▼ 21.9% |
| Investment in fixed assets (approximation) | - | -€260 | €0 | -€1,421 | -€1,376 | ▲ 3.2% |
| Change in cash | - | €5,249 | -€1,432 | €14,193 | -€598 | ▼ 104% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €6,327
Net result €6,327 after 3 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Weakest financial yearnet -€10,061
Net result drops to -€10,061, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3,931
Net result €3,931 after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.22
Current ratio from 1.38 to 3.22; short-term debt falls from €5,871 to €3,365.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
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, Braine-l'Alleud · 1 establishment unit since 2018
Ground area
2,633 m²
Building footprint
545 m²
Volume, LiDAR
6,974 m³
2 parcels, Wallonia · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
VITAFINANCE
since 20182.272.058.714
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25062F0080/00Z000 | Wallonia | 1,571 m² | 1 · 118 m² | 7.7 m · 2 fl. |
| 25742B0302/00L000 | Wallonia | 1,063 m² | 1 · 427 m² | 17.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded22-01-2018
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0688749290
Registered
12-12-2025
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.