VL 84
ActiveSummary
The computed 12-month bankruptcy probability of VL 84 is 4.1% (elevated). The 2025 annual accounts show negative equity (-€123,232) and a net result of -€35,592. Equity is shrinking by about 31% per year across the filed financial years. Its solvency ranks better than 5% of 2,403 sector peers (NACE 43, financial year 2025). The company has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- -€123,232
- Loss
- -€35,592
Why 46raises risk1 change of registered office in 24 monthsLoss of €35,592, the second in a row (financial year 2025)Liquidity: current ratio 0.04lowers riskSize: total assets €10,500Show the evidence
Checked score
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 3% on solvency, 1% on liquidity, 4% on profitability and 11% on growth.
The bankruptcy probability was computed on 14-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 13 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
- Resignation: Jean-Pierre JACOBY (director)Appointments: Victoria Cresson (director) and…
- Annual accounts filedfinancial year 2025 · full…
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, full format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result stays negative: a loss of €31,979 in 2025 against €541 in 2024; the loss grows and 2025 has the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84.3% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.1% 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 497,474 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% | 1.8% |
| 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 74.5% 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 6,621 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €2,238 | €500 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,128 | €14,094 | €11,411 | €8,492 | €10,717 | €13,968 | €9,557 | €6,067 | ▼ 36.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | - | - | - | €508 | - |
| Other operating charges640/8 | - | - | - | €1,443 | €1,139 | €1,220 | €1,780 | - | - |
| Gross operating margin9900 | -€28,634 | -€20,748 | €21,936 | €17,917 | €7,951 | -€12,999 | €10,796 | -€25,404 | - |
| Operating profit (loss)9901 | -€39,991 | -€37,441 | €9,370 | €7,983 | -€3,905 | -€28,187 | -€541 | -€31,979 | ▼ 5,811% |
| Financial income75/76B | - | - | - | €287 | €1,042 | €786 | €902 | €122 | ▼ 86.4% |
| Recurring financial income75 | €1,113 | €165 | €177 | €287 | €1,042 | €786 | €902 | €122 | ▼ 86.4% |
| Financial charges65/66B | - | - | - | €6,086 | €5,404 | €6,672 | €6,478 | €3,950 | ▼ 39.0% |
| Recurring financial charges65 | €1,644 | €5,775 | €5,830 | €6,086 | €5,404 | €6,672 | €6,478 | €3,950 | ▼ 39.0% |
| Profit (loss) for the period before taxes9903 | -€40,522 | -€43,052 | €3,717 | €2,183 | -€8,266 | -€34,073 | -€6,117 | -€35,808 | ▼ 485% |
| Income taxes67/77 | €20 | €248 | €93 | €222 | €220 | €216 | €86 | -€216 | - |
| Profit (loss) for the period9904 | -€40,542 | -€43,300 | €3,624 | €1,961 | -€8,486 | -€34,289 | -€6,203 | -€35,592 | ▼ 474% |
| Profit (loss) for the period to be appropriated9905 | -€40,542 | -€43,300 | €3,624 | €1,961 | -€8,486 | -€34,289 | -€6,203 | -€35,592 | ▼ 474% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €128,279 | €78,858 | €63,080 | €80,968 | €96,808 | €62,106 | €66,638 | €10,500 | ▼ 84.2% |
| Fixed assets21/28 | €43,650 | €29,714 | €19,008 | €33,179 | €23,039 | €19,776 | €11,481 | €5,413 | ▼ 52.8% |
| Intangible fixed assets21 | €407 | - | - | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €43,243 | €29,714 | €19,008 | €33,179 | €23,039 | €19,776 | €11,481 | €5,413 | ▼ 52.8% |
| Land and buildings22 | - | - | - | €2,248 | €2,108 | €1,967 | €1,827 | €1,686 | ▼ 7.7% |
| Plant, machinery and equipment23 | - | - | - | €1,415 | €920 | - | - | €909 | - |
| Furniture and vehicles24 | - | - | - | €29,516 | €20,012 | €13,658 | €8,238 | €2,818 | ▼ 65.8% |
| Other tangible fixed assets26 | - | - | - | - | - | €4,151 | €1,416 | - | - |
| Current assets29/58 | €84,629 | €49,144 | €44,072 | €47,789 | €73,769 | €42,329 | €55,157 | €5,086 | ▼ 90.8% |
| Stocks and contracts in progress3 | €52,376 | €42,456 | €42,984 | €44,508 | €54,253 | €35,423 | €29,712 | - | - |
| Stocks30/36 | - | - | - | €44,508 | €54,253 | €35,423 | €29,712 | - | - |
| Amounts receivable within one year40/41 | €31,205 | €6,508 | €646 | €2,459 | €16,733 | €5,671 | €24,604 | €5,086 | ▼ 79.3% |
| Trade receivables40 | - | - | - | €2,412 | €14,825 | €5,298 | €23,572 | €1,985 | ▼ 91.6% |
| Other amounts receivable41 | - | - | - | €46 | €1,907 | €373 | €1,032 | €3,102 | ▲ 201% |
| Cash at bank and in hand54/58 | €1,048 | €179 | €443 | €822 | €1,711 | €96 | €842 | - | - |
| Deferred charges and accrued income490/1 | - | - | - | - | €1,072 | €1,140 | - | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €128,279 | €78,858 | €63,080 | €80,968 | €96,808 | €62,106 | €66,638 | €10,500 | ▼ 84.2% |
| Equity10/15 | -€947 | -€44,247 | -€40,623 | -€38,662 | -€47,148 | -€81,437 | -€87,640 | -€123,232 | ▼ 40.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | - | - | €18,600 | €18,600 | €18,600 | - | - | - |
| Issued capital100 | - | - | - | €18,600 | €18,600 | €18,600 | - | - | - |
| Reserves13 | €390 | €390 | €390 | €390 | €390 | €390 | €390 | €390 | = |
| Non-distributable reserves130/1 | - | - | - | €390 | €390 | €390 | €390 | €390 | = |
| Legal reserve130 | - | - | - | €390 | €390 | €390 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | - | - | - | €390 | €390 | = |
| Profit (loss) carried forward14 | -€19,937 | -€63,237 | -€59,613 | -€57,652 | -€66,138 | -€100,427 | -€106,630 | -€142,222 | ▼ 33.4% |
| Amounts payable17/49 | €129,226 | €123,104 | €103,703 | €119,629 | €143,955 | €143,542 | €154,278 | €133,731 | ▼ 13.3% |
| Amounts payable after more than one year17 | €19,156 | €14,008 | €11,662 | €22,267 | €13,197 | €17,259 | - | - | - |
| Financial debts170/4 | - | - | - | €22,267 | €13,197 | €17,259 | - | - | - |
| Amounts payable within one year42/48 | €105,510 | €104,536 | €92,041 | €97,362 | €130,759 | €126,284 | €154,278 | €133,731 | ▼ 13.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €8,925 | €9,071 | €9,134 | - | - | - |
| Financial debts43 | - | - | - | €20,820 | €43,781 | €43,856 | €47,595 | €19,579 | ▼ 58.9% |
| Credit institutions430/8 | - | - | - | €20,820 | €43,781 | €43,856 | €47,595 | €19,579 | ▼ 58.9% |
| Trade debts44 | €14,914 | €55,601 | €3,492 | €19,150 | €33,757 | €17,574 | €35,883 | €508 | ▼ 98.6% |
| Suppliers440/4 | - | - | - | €19,150 | €33,757 | €17,574 | €35,883 | €508 | ▼ 98.6% |
| Taxes, remuneration and social security45 | - | - | - | €6,135 | €442 | €435 | €2,851 | €4,732 | ▲ 66.0% |
| Taxes450/3 | - | - | - | €6,135 | €442 | €435 | €2,851 | €4,732 | ▲ 66.0% |
| Other amounts payable47/48 | - | - | - | €42,332 | €43,708 | €55,285 | €67,950 | €108,912 | ▲ 60.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€40,542 | -€43,300 | €3,624 | €1,961 | -€8,486 | -€34,289 | -€6,203 | -€35,592 | ▼ 474% |
| + Depreciation and write-downs630 | €9,128 | €14,094 | €11,411 | €8,492 | €10,717 | €13,968 | €9,557 | €6,067 | ▼ 36.5% |
| Operating cash flow (approximation) | -€31,414 | -€29,206 | €15,034 | €10,453 | €2,231 | -€20,321 | €3,354 | -€29,524 | - |
| Investment in fixed assets (approximation) | - | -€158 | -€704 | -€22,663 | -€577 | -€10,706 | -€1,262 | €0 | - |
| Change in cash | - | -€869 | €264 | €380 | €889 | -€1,616 | €746 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 21 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | full format | 20-03-2026 | 2026-00059852 |
| 31-12-2024 | micro format | 11-10-2025 | 2025-00539904 |
| 31-12-2023 | micro format | 28-08-2024 | 2024-00380599 |
| 31-12-2022 | micro format | 18-08-2023 | 2023-00333891 |
| 31-12-2021 | micro format | 11-10-2022 | 2022-20456420 |
| 31-12-2020 | micro format | 08-07-2021 | 2021-32300184 |
| 31-12-2019 | micro format | 26-09-2020 | 2020-56900166 |
| 31-12-2018 | micro format | 29-10-2019 | 2019-71600266 |
| 31-12-2017 | micro format | 14-08-2018 | 2018-45200549 |
| 31-12-2016 | micro format | 29-12-2017 | 2017-73600227 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Loris Cresson |
|
| Victoria Cresson |
|
| Jean-Pierre JACOBY |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
10-08
Gazette deed
Resignation: Jean-Pierre JACOBY (director)Appointments: Victoria Cresson (director) and Loris Cresson (director) · Name change · Registered-office move8 facts ▸
- General meeting, 17-06-2026
- Name change, VL 84
- Registered-office move, 6800 Libramont, rue de l’Ancienne Gare 11
- Director resignation, Jean-Pierre JACOBY (director (not named in the articles))
- Director appointment, Victoria Cresson (director (not named in the articles))
- Director appointment, Loris Cresson (director (not named in the articles))
- Purpose change
- Amendment of the articles, 1
About the unread acts
Of the 5 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 15 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
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, with enterprise number 0865.205.653
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the KBO register.
Libramont,Rue de l'Ancienne Gare 116800 Libramont-Chevigny1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 83049B0342/00N002 | Wallonia | 1,157 m² | 1 · 231 m² | 11.2 m · 3 |
How the parcels are linked
Articles of association
- PurposeThe activities the company may carry out under its articles.
- “Carrosserie automobile; Commerce de détail de véhicules automobiles neufs ou usagés; Commerce de gros de véhicules automobiles neufs ou…” (deed in French)
25 activities (deed in French)
- Carrosserie automobile
- Commerce de détail de véhicules automobiles neufs ou usagés
- Commerce de gros de véhicules automobiles neufs ou usagés
- Commerce de détail de motocycles neufs ou usagés
- Commerce de gros de motocycles neufs ou usagés
- Commerce de détail de tracteurs agricoles
- Commerce de gros de tracteurs agricoles
- L’entretien courant des véhicules automobiles : lavage, traitement anti-rouille, vidange, réparation, pose ou remplacement de pneumatiques et de chambre à air, réparation de pare-brise et de vitres, etc.
- Le remorquage et le dépannage routier
- Commerce de gros de pièces détachées et accessoires pour véhicules automobiles
- Commerce de détail de pièces détachées et accessoires pour véhicules automobiles
- Commerce de chariot élévateur
- La promotion, la participation, le développement, le soutien sous toutes leurs formes aux activités de sport automobile (et plus particulièrement de la pratique de la moto vitesse pure et enduro) en Belgique et à l’étranger
- La réalisation de tous investissements et opérations ou services financiers, à l’exception de ceux réservés par la loi aux établissements de crédit ou aux entreprises d’investissement
- La location et location-bail de machines et d'équipements pour la construction et notamment la location de grues, bouteurs, bétonnières, échafaudages, plates-formes de travail, et autres matériels de bâtiment et génie civil, sans opérateur
- La location et location-bail d'autres machines, équipements et biens matériels n.c.a.
- La location et location-bail de conteneurs à usage de bâtiment : conteneurs de chantier, bureaux de chantier
- La location et location-bail de machines et d'équipements agricoles
- La constitution et la gestion d'un patrimoine immobilier et la location-financement de biens immeubles aux tiers, l'acquisition par l'achat ou autrement, la vente, l'échange, la construction, la transformation, l’amélioration, l’équipement, l’aménagement, l’embellissement, l’entretien, la location, la prise en location, le lotissement, la prospection et l’exploitation de biens immobiliers, ainsi que toutes opérations qui, directement ou indirectement sont en relation avec cet objet et qui sont de nature à favoriser l'accroissement et le rapport d'un patrimoine immobilier, de même que se porter caution pour la bonne fin d'engagements pris par des tiers qui auraient la jouissance de ces biens immobiliers
- Exercer les fonctions d’administrateur, gérant ou de liquidateur dans d’autres sociétés
- Se porter caution et donner toute sûreté personnelle ou réelle en faveur de toute personne ou société liée ou non
- Toutes opérations susceptibles de contribuer à la réalisation de tout ou partie de son objet
- Réaliser son objet, tant en Belgique qu'à l'étranger, sous les formes et de toutes les manières qu'elle jugera les mieux appropriées
- Accomplir d'une manière générale toutes opérations ayant un rapport direct ou indirect avec son objet et pouvant en faciliter directement ou indirectement, entièrement ou partiellement, la réalisation
- S'intéresser par voie d'association, d'apport, de fusion, d'intervention financière ou autrement dans toutes sociétés, associations ou entreprises dont l'objet est analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
Read from the deeds: 1 provision, deed of 10-08-2026