VKS Versicherungen is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €331k and a net result of €98k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 2423 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
29 d late
2023
29 d late
2022
18 d late
2021
30 d late
2020
23 d late
2019
90 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€331k▲ 37.2%
2024 · €241k
2018: €311k
2019: €318k
2020: €307k
2021: €260k
2022: €213k
2023: €236k
2024: €241k
2018 → 2025
Net result
€98k▼ 21.1%
2024 · €124k
2018: €136k
2019: €107k
2020: €89k
2021: €53k
2022: €53k
2023: €132k
2024: €124k
2018 → 2025
Total assets
€1.12M▼ 7.2%
2024 · €1.20M
2018: €528k
2019: €567k
2020: €636k
2021: €578k
2022: €586k
2023: €1.30M
2024: €1.20M
2018 → 2025
Solvency
29.6%▲ 9.6pp
2024 · 20.0%
2018: 58.9%
2019: 56.1%
2020: 48.3%
2021: 45.0%
2022: 36.4%
2023: 18.1%
2024: 20.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€260k-€213k▼ 18.0%€236k▲ 10.8%€241k▲ 2.2%€331k▲ 37.2%
Operating result€76k-€69k▼ 8.2%€182k▲ 163%€141k▼ 22.4%€147k▲ 4.1%
Net result€53k-€53k▲ 0.6%€132k▲ 148%€124k▼ 5.8%€98k▼ 21.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€826k▲ 2.4%
Current assets
€291k▼ 26.6%
Equity and liabilities €1.12M
Equity
€331k▲ 37.2%
Provisions
€11k=
Debt
€775k▼ 18.5%
The debt ratio falls from 79.0% to 69.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
29.6%▲
2024 · 20.0%
ROE
29.6%▼
2024 · 51.4%
ROA
8.8%▼
2024 · 10.3%
Debt
€775k▼
2024 · €951k
Debt ≤ 1 year
€257k▼
2024 · €332k
Debt > 1 year
€518k▼
2024 · €619k
Income taxes
€48k▲
2024 · €46k
Staff costs
€317k▲
2024 · €313k
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€1.20M€1.12M▼
Fixed assets21/28€807k€826k▲
Intangible fixed assets21€600k€525k▼
Tangible fixed assets22/27€135k€229k▲
Land and buildings22-€876
Plant, machinery and equipment23€582€27k▲
Furniture and vehicles24€134k€201k▲
Financial fixed assets28€72k€72k▼
Current assets29/58€397k€291k▼
Amounts receivable within one year40/41€124k€57k▼
Trade receivables40€76k€13k▼
Other amounts receivable41€49k€44k▼
Cash at bank and in hand54/58€266k€228k▼
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.12M▼
Equity10/15€241k€331k▲
Contributions10/11€73k€73k=
Reserves13€169k€259k▲
Distributable reserves133€169k€259k▲
Provisions and deferred taxes16€11k€11k=
Provisions for liabilities and charges160/5€11k€11k=
Other liabilities and charges164/5€11k€11k=
Amounts payable17/49€951k€775k▼
Amounts payable after more than one year17€619k€518k▼
Financial debts170/4€94k€68k▼
Other amounts payable178/9€525k€450k▼
Amounts payable within one year42/48€332k€257k▼
Current portion of amounts payable after more than one year42€110k€111k▲
Trade debts44€110k€74k▼
Suppliers440/4€110k€74k▼
Taxes, remuneration and social security45€65k€58k▼
Taxes450/3€5k-
Remuneration and social security454/9€60k€58k▼
Other amounts payable47/48€47k€15k▼
Accrued charges and deferred income492/3€568€130▼
Income statement
Code20242025
Non-recurring operating income76A-€31k
Remuneration, social security and pensions62€313k€317k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114k€123k▲
Other operating charges640/8€21k€29k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€589k€618k▲
Operating profit (loss)9901€141k€147k▲
Financial income75/76B€33k€4k▼
Recurring financial income75€4k€4k▲
Non-recurring financial income76B€29k-
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€171k€146k▼
Income taxes67/77€46k€48k▲
Profit (loss) for the period9904€124k€98k▼
Profit (loss) for the period to be appropriated9905€124k€98k▼
Appropriation of the result
Profit (loss) to be appropriated9906€292k€98k▼
Profit (loss) brought forward from the previous period14P€167k-
Transfer to equity691/2€163k€90k▼
To other reserves6921€163k€90k▼
Profit to be distributed694/7€129k€8k▼
Return on contributions (dividend)694€129k-
Employees696-€8k
The notes to these accounts (14 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 29 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 18 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €53k ▼40.8%
Net result drops to €53k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema · 23 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sankt Vith · 2 establishment units since 2007
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.
Habschberg,Schönberg 44782 Sankt Vith2 establishment units
Mirfeld,Büllinger Straße 8 P, 4770 Amel
since 20072.162.377.646
K-F.-Schinkel-Strasse,Sch. 40, 4782 Sankt Vith
since 20252.376.759.425
Recognitions · licences · registrations
Legal Entity Identifier
875500AWHHWP699PW849
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,736 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2007
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filings
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.