VITAPRO' ASSURANCES
Open bankruptcyA bankruptcy procedure is open for VITAPRO' ASSURANCES according to publications in the Belgian State Gazette; curator: VIOLETTE MEUNIER. The 2021 annual accounts show equity of €110k and a net result of €-61k.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2021 was due by 31-07-2022 and was filed on 24-08-2022, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
24 d late
2020
293 d late
2018
184 d late
← before the deadline
after the deadline →
Financials · fiscal year 2021, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-61k▼ 32.8%
2020 · €-46k
2018: €37k
2020: €-46k
2018 → 2021
Working capital
€106k▼ 30.8%
2020 · €153k
2018: €91k
2020: €153k
2018 → 2021
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line201820202021Trend
Equity€139k-€171k▲ 22.9%€110k▼ 35.5%
Operating result€47k-€-51k€-51k▼ 1.4%
Net result€37k-€-46k€-61k▼ 32.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €51k in 2021 against €51k in 2020; the loss grows and 2021 is the lowest year so far.
Balance-sheet composition
2021 in colour, 2020 as the grey bar beneath
Assets €182k
Fixed assets
€49k▼ 22.2%
Current assets
€134k▼ 15.3%
Equity and liabilities €182k
Equity
€110k▼ 35.5%
Provisions
€44k=
Debt
€28k▲ 403%
The debt ratio rises from 2.6% to 15.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-36k▲
2020 · €-39k
Cash flow
€-45k▼
2020 · €-34k
Solvency
60.5%▼
2020 · 77.7%
Current ratio
4.79▼
2020 · 30.65
Quick ratio
4.58▼
2020 · 29.66
Debt / equity
0.26▲
2020 · 0.03
ROE
-55.1%▼
2020 · -26.7%
ROA
-33.4%▼
2020 · -20.8%
Interest coverage
-19.52▲
2020 · -39.50
Debt
€28k▲
2020 · €6k
Debt ≤ 1 year
€28k▲
2020 · €5k
Income taxes
€399▼
2020 · €481
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 · 2021 against 2020
Balance sheet
Code20202021
Assets
Total assets20/58€221k€182k▼
Fixed assets21/28€63k€49k▼
Intangible fixed assets21€32k€25k▼
Tangible fixed assets22/27€31k€24k▼
Plant, machinery and equipment23€2k€7k▲
Furniture and vehicles24€28k€16k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€158k€134k▼
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€71k€112k▲
Trade receivables40-€27k
Other amounts receivable41€71k€86k▲
Current investments50/53€8k€8k=
Cash at bank and in hand54/58€56k€8k▼
Deferred charges and accrued income490/1€19k€145▼
Equity and liabilities
Total equity and liabilities10/49€221k€182k▼
Equity10/15€171k€110k▼
Contributions10/11€62k€62k=
Reserves13€150k€150k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Tax-exempt reserves132€104k€104k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€-41k€-102k▼
Provisions and deferred taxes16€44k€44k=
Deferred taxes168€44k€44k=
Amounts payable17/49€6k€28k▲
Amounts payable within one year42/48€5k€28k▲
Trade debts44€4k€27k▲
Suppliers440/4€4k€27k▲
Taxes, remuneration and social security45€980€1k▲
Taxes450/3€980€1k▲
Accrued charges and deferred income492/3€493€493=
Income statement
Code20202021
Non-recurring operating income76A€216€149▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€15k▲
Other operating charges640/8€1k€995▼
Gross operating margin9900€-37k€-35k▲
Operating profit (loss)9901€-51k€-51k▼
Financial income75/76B€6k€53▼
Recurring financial income75€6k€53▼
Financial charges65/66B€978€9k▲
Recurring financial charges65€978€2k▲
Non-recurring financial charges66B-€7k
Profit (loss) for the period before taxes9903€-45k€-60k▼
Income taxes67/77€481€399▼
Profit (loss) for the period9904€-46k€-61k▼
Profit (loss) for the period to be appropriated9905€-46k€-61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€-102k▼
Profit (loss) brought forward from the previous period14P€5k€-41k▼
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
2023
22-03
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · VITAPRO’ ASSURANCES SA ROUTE DE MONS 553/1, 7130 BINCHE · event 13-03-2023
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 293 days late
2021
31-12
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series.
2020
31-12
Financial
Liquidity quadruplescurrent ratio 30.65
Current ratio from 8.69 to 30.65; short-term debt falls from €12k to €5k.
31-12
Financial
Equity above €150kEq €171k ▲22.9%
Equity rises from €139k to €171k.
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 184 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
20-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 20 days late
2014
18-08
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 18 days late
2013
25-07
NBB filing
Annual accounts filed
fiscal year 2012 · full schema
2012
29-08
NBB filing
Annual accounts filed
fiscal year 2011 · full schema · 29 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Binche · 2 establishment units since 2001
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.
Route de Mons 5537130 BincheGround area
978 m²
Building footprint
257 m²
Volume, LiDAR
1,955 m³
2 parcels, Wallonia · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Route de Mons(BIN) 553, 7130 Binche
since 20012.074.933.532
La Villa Zia
since 20202.309.349.967
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55005C0281/00M000 | Wallonia | 762 m² | 1 · 127 m² | 4.8 m · 1 fl. |
| 56302D0098/00M005 | Wallonia | 216 m² | 1 · 131 m² | 14.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | VIOLETTE MEUNIER RUE DU PARC 29, 6000 CHAR-
LEROI- .
Date provisoire de cessation de paiement : 13/03/2023 |
13-03-2023 → present |
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Of 7,476 companies in sector 56210 we hold annual accounts for 2,426. 1,948 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-12-1995
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
70200Business and other management consultancy
70220Business consulting
85592Vocational training
85593Socio-cultural adult education
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.