VKCO
ActiveSummary
The computed 12-month bankruptcy probability of VKCO is 1.5% (moderate). The 2025 annual accounts show negative equity (-€16,377) and a net result of -€38,720. Its solvency ranks better than 10% of 556 sector peers (NACE 79, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 28-06-2023 Normal situation
- Activity
- Travel agency activities NACE 79110and 1 other
- Establishment unit
- 2.346.559.068 5032 Gembloux, since 28-06-2023
- Financial year end
- 30 June
- Peppol
- Reachable since 12-06-2025
Board and ownership
- TAMBOUR VirginieDirector
- VAN TUYKOM Kevin Renée DavidDirector
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.5%
- Gross margin
- €97,008
- ▲ 34.5%
- Turnover
- ≈ €290,000
- estimated
- Loss
- €38,720
- Equity
- -€16,377
- Total assets
- €62,284
- ▲ 7.6%
- Staff
- ≈ 1.5 FTE
- estimated
- Negative equity on 30-06-2025
Score breakdownraises riskCapped at 59: negative equityFounded in 2023Negative equity -€16,377Loss of €38,720 (financial year 2025)lowers riskLiquidity: current ratio 0.67, cash €36,727Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 79, micro). It does better than 4% of them on solvency, 34% on liquidity, 12% on profitability and 2% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 1 day before the deadline. In the sector (NACE 79), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-01-2026 PDF all 2 filings
Every figure per financial year
The operating result for 2025 is 48% lower than 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.
Investments
| Item | 30-06-2024 | 30-06-2025 |
|---|---|---|
| Tangible fixed assets | €3,049 | €5,805 |
| Intangible fixed assets | - | €1,800 |
| Financial fixed assets | €150 | - |
| Depreciation and write-downs of the year | €1,401 | €1,177 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €42,796 | €74,729 | ▲ 74.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,401 | €1,177 | ▼ 16.0% |
| Other operating charges640/8 | €2,274 | €7,767 | ▲ 242% |
| Gross operating margin9900 | €72,114 | €97,008 | ▲ 34.5% |
| Operating profit (loss)9901 | €25,642 | €13,334 | ▼ 48.0% |
| Financial income75/76B | €0 | €479 | ▲ 47,918× |
| Recurring financial income75 | €0 | €479 | ▲ 47,918× |
| Financial charges65/66B | €26 | €51,102 | ▲ 1,959× |
| Recurring financial charges65 | €26 | €51,102 | ▲ 1,959× |
| Profit (loss) for the period before taxes9903 | €25,616 | -€37,288 | - |
| Income taxes67/77 | €8,273 | €1,432 | ▼ 82.7% |
| Profit (loss) for the period9904 | €17,343 | -€38,720 | - |
| Profit (loss) for the period to be appropriated9905 | €17,343 | -€38,720 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €57,875 | €62,284 | ▲ 7.6% |
| Formation expenses20 | €50 | - | - |
| Fixed assets21/28 | €3,101 | €9,579 | ▲ 209% |
| Intangible fixed assets21 | - | €1,739 | - |
| Tangible fixed assets22/27 | €2,951 | €7,690 | ▲ 161% |
| Plant, machinery and equipment23 | - | €1,220 | - |
| Furniture and vehicles24 | €2,951 | €2,342 | ▼ 20.7% |
| Other tangible fixed assets26 | - | €4,128 | - |
| Financial fixed assets28 | €150 | €150 | = |
| Current assets29/58 | €54,724 | €52,705 | ▼ 3.7% |
| Amounts receivable within one year40/41 | €8,693 | €2,534 | ▼ 70.9% |
| Trade receivables40 | €7,279 | - | - |
| Other amounts receivable41 | €1,415 | €2,534 | ▲ 79.1% |
| Cash at bank and in hand54/58 | €39,478 | €36,727 | ▼ 7.0% |
| Deferred charges and accrued income490/1 | €6,552 | €13,444 | ▲ 105% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €57,875 | €62,284 | ▲ 7.6% |
| Equity10/15 | €22,343 | -€16,377 | - |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €17,343 | €17,343 | = |
| Distributable reserves133 | €17,343 | €17,343 | = |
| Profit (loss) carried forward14 | - | -€38,720 | - |
| Amounts payable17/49 | €35,532 | €78,661 | ▲ 121% |
| Amounts payable within one year42/48 | €35,532 | €78,661 | ▲ 121% |
| Trade debts44 | €20,979 | €31,105 | ▲ 48.3% |
| Suppliers440/4 | €20,979 | €31,105 | ▲ 48.3% |
| Taxes, remuneration and social security45 | €14,553 | €6,117 | ▼ 58.0% |
| Taxes450/3 | €10,879 | €1,432 | ▼ 86.8% |
| Remuneration and social security454/9 | €3,674 | €4,686 | ▲ 27.5% |
| Other amounts payable47/48 | - | €41,438 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €17,343 | -€38,720 | - |
| + Depreciation and write-downs630 | €1,401 | €1,177 | ▼ 16.0% |
| Operating cash flow (approximation) | €18,744 | -€37,543 | - |
| Investment in fixed assets (approximation) | - | -€7,655 | - |
| Change in cash | - | -€2,751 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,639 companies had the same profile as VKCO has now. Two years later, 84.8% were still going and 8.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VKCO itself is lower: 1.5% within 12 months. It rests on far more data about VKCO than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for VKCO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- TAMBOUR Virginie 50 shares (50%) · €2,500
- VAN TUYKOM Kevin Renée David 50 shares (50%) · €2,500
Capital transactions
- 30-06-2023 Incorporation · €5,000 · 100 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| TAMBOUR Virginie |
|
| VAN TUYKOM Kevin Renée David |
|
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs proportionnel, entre vifs onéreux gratuit volontaires forcées exclusion retrait usufruit nue-propriété…”
- Share issue ruleThe articles set how and by whom new shares are issued.
- “Au moins quinze jours dès ouverture, priorité actionnaires ayant exercé totalité jusqu’à souscription complète”
Articles of association, deed of 30-06-2023 (in French)
Network & group
Connections & network
1 connected companyThe connected companies are in the list below.
Timeline
Acts, filings and financial milestones
30-06
Gazette deed
IncorporationStarting capital €5,000 · Appointments: TAMBOUR Virginie (director) and VAN TUYKOM Kevin Renée David (director) · Founder18 points ▸
- Founder, TAMBOUR Virginie
- Founder, VAN TUYKOM Kevin Renée David
- Other provision, “capacité des comparants” (deed in French)
- Other provision, “lecture et identité” (deed in French)
- Incorporation, 27-06-2023
- Founding capital, €5,000
- Bank account, “compte spécial”, 5000 (deed in French)
- Other provision, 19-06-2023
- Other provision, “attestation dépôt”, 5000 (deed in French)
- Capital
- Registered office clause, “5032 Corroy-le-château, Rue des Bruynettes 14” (deed in French)
- Board rule, 2
- The act holds 6 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
3 activities
- Les activités des agences de voyage consistant principalement à vendre des services de voyage, voyage organisé, transport et hébergement au grand public et à des clients du secteur privé et l’activité consistant à planifier et mettre sur pied des voyages organisés vendus par des agences de voyage ou directement par des agents tels que des voyagistes.
- Les activités des agences consistant principalement à vendre, en gros ou au détail, des services de voyage, voyage organisé, transport et hébergement au grand public et à des clients du secteur privé.
- Les Travaux de toiture et autres activités de constructions et de services en lien avec les toitures et/ou couvertures de bâtiments et immeubles ; tous travaux de menuiserie intérieur et extérieur ; tous travaux de charpentes, zinguerie, et autre travaux et services liés aux couverture de bâtiments ( en ce compris l’isolation et l’étanchéité des bâtiments).
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0803.276.103
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92026D0152/00H000 | Wallonia | 817 m² | 1 · 105 m² | 9.2 m · 2 |