VL - INVEST

Active

Public limited companyfounded 1994active for 31 yearsSint-Jozefstraat 2, 2430 Laakdal, BelgiumKBO/BCE: BE 0453.931.393

Summary

The annual accounts of VL - INVEST for financial year 2025 show a net loss of 209% of the equity at the start of that year. The 2025 annual accounts show equity of €2.7m and a net result of -€531,872. Equity remains stable across the filed financial years (±0.4% per year). Its solvency ranks better than 48% of 17,057 sector peers (NACE 68, financial year 2025). The company has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow Report Compare

VL - INVESTActiveChecked score 55/100

Risk analysis Report Compare

Activity

Real estate agency activities

NACE 68310

2nd largest company by total assets in Laakdal, Real estate sector1 site

Size

≈ €180,000turnover 2025, estimated

Staff: ≈ 0.2 FTE, estimated
Equity: €2.7m
Loss: -€531,872

Turnover estimated from the gross margin

Financial health

55 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.2%

Structure

Holdings: 1

Joris VanlommelManaging director
Marleen HannesDirector

2025 accounts on time1 of 9 deeds summarised

Why 55raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLiquidity: current ratio 0.06, cash €236,404Loss of €531,872, the second in a row (financial year 2025)1 of the last 3 latelowers riskSize: total assets €10.0mShow the evidence

Checked score

Score 2025

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 45% of its sector peers (NACE 68, medium-sized)

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 52+23

equity 27.0% of total assets

Liquidity 33+6

short-term debt 41.3% · cash 2.4%

Profitability 12-30

return on assets -5.3%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,720 companies, NACE 68, medium-sized)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.5%▲ +0.2 percentage points vs 03-2025 05-2025: 0.8%▲ +0.3 percentage points vs 04-2025 06-2025: 1.1%▲ +0.3 percentage points vs 05-2025highest value 07-2025: 0.6%▼ -0.5 percentage points vs 06-2025 08-2025: 0.6%● unchanged vs 07-2025 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.7%▲ +0.1 percentage points vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.6%▼ -0.1 percentage points vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.7%▲ +0.1 percentage points vs 02-2026 04-2026: 0.8%▲ +0.1 percentage points vs 03-2026 05-2026: 0.2%▼ -0.6 percentage points vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026lowest value

Credit of up to €140,000 on 30-day terms, only on tighter conditions

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity insufficient (current ratio 0.06, compared with 0.0 in 2024, below 1; short-term debt: 41.3% and cash: 2.4% of total assets), and 73% of the assets are financed with debt and provisions.

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 68, medium-sized): better than 49% on solvency, 25% on liquidity, 5% on profitability and 99% on growth.

The bankruptcy probability was computed on 28-10-2026 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

Six signals.

lowers riskraises riskneutral

Size: total assets €10.0m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Liquidity: current ratio 0.06, cash €236,404

NBB · annual accounts

Loss of €531,872, the second in a row (financial year 2025)

NBB · annual accounts

1 of the last 3 late

NBB · filings

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year €2.7m

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

on the day

2024

48 days late

2023

13 days early

2022

17 days late

2021

30 days late

2020

on the day

2019

2 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 11 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 17 May (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-09-2026 year end28-10-2026 today30-04-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

23-06-2026 Reappointments: Joris Vanlommel (director) and Marleen…Gazette deed
30-04-2026 Annual accounts filedfinancial year 2025 · micro…
30-09-2025 Weakest financial yearnet -€531,872

Key points

Risk: 7 loss-making years in a rowloss financial year 2025 -€531,872 View
Caution: Result fell in 2025from -€229,067 to -€531,872 ▼ 132% View
Caution: Among the weakest 5% on net resultsector median €6,030 · 17,047 companies -€531,872 View
New directorslatest change 01-06-2026 · 2 in office 2 joined View

By topic

Financials

Financial year: 2025
Total assets: €10.0m
Loss: -€531,872
Solvency: 27.0%

Total assets▲ 38.9%

Net result

20192025

Go to Financials

Board & ownership

Board: 2 members

Joris VanlommelManaging director
Marleen HannesDirector

Go to Board & ownership

Network & group

Subsidiaries: 1

1 subsidiary

Go to Network & group

Timeline

Events: 35
Since: 1996
Next accounts: by 30-04-2027

30-09-2025Equity above €2m
17-06-2025Annual accounts filed
17-04-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Real estate agency activitiesNACE 68310
Founded: 30-11-1994
Year ends: 30-09
Peppol: Reachable for e-invoices

Go to Company details

Key facts about VL - INVEST

What is the company number of VL - INVEST?: 0453.931.393. In Belgium the VAT number is the company number with BE in front: BE 0453.931.393.
Where is VL - INVEST based?: The registered office is at Sint-Jozefstraat 2, 2430 Laakdal.Company details
What does VL - INVEST do?: According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of VL - INVEST?: Public limited company (NV).
When was VL - INVEST founded?: On 30-11-1994.
Is VL - INVEST still active?: Yes, VL - INVEST is an active enterprise in the KBO register.
How many employees does VL - INVEST have?: On average 0.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of VL - INVEST?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is VL - INVEST profitable?: In financial year 2025, VL - INVEST made a loss of €531,872.
Where can I find the annual accounts of VL - INVEST?: VL - INVEST filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of VL - INVEST due?: By 30-04-2027, for financial year 2026.Timeline