Skip to content
Checked.be
Complete company report
Generated 22-08-2026
Active BE 0799.969.490Private limited company

VLAR Finance

Beverestraat 39 ·9700 Oudenaarde, Belgium· 3 yrs active
Sector: Agenten en makelaars in bankdiensten (66191)
Conclusion Checked

VLAR Finance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €100k and a net result of €480k. Its solvency ranks better than 17% of 773 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €100k
Net result €480k
Staff (FTE) 8.2
Better than sector 17%
Financial profile 3 of 5 axes measured · computed by Checked
Health-Profitability100Solvency9Growth-Stability79
63 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 9
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
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.
Financial overview1 NBB filings
Annual accounts filed on 31-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 4.4% 38.6%
better than 17% of 773 sector peers
Net result €480k €28k
better than 95% of 773 sector peers
Equity €100k €62k
better than 65% of 774 sector peers
Gross operating margin €1.85M €66k
better than 95% of 771 sector peers
Staff costs €908k €63k
higher than 95% of 270 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€480k
Cash flown/a
Staff costs€908k
Income taxes€44k
Dividends-
Total assets€2.30M
Equity€100k
Debt€2.20M
of which ≤ 1y€794k
of which > 1y€1.41M
Working capitaln/a
Employees (FTE)8.2
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency4.4%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA20.9%
ROE479.8%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€2.30M
Fixed assets 21/28€1.70M
Intangible fixed assets 21€1.62M
Tangible fixed assets 22/27€77k
Financial fixed assets 28€2k
Current assets 29/58€597k
Investments 50/53€300k
Cash & bank 54/58€100k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2.30M
Equity 10/15€100k
Contributions / capital 10/11€20k
Reserves 13€80k
Accumulated profits (losses) 14€0
Amounts payable 17/49€2.20M
Amounts payable after one year 17€1.41M
Amounts payable within one year 42/48€794k
Trade debts payable within one year 44€93k
Income statement
Gross operating margin 9900€1.85M
Operating result 9901€596k
Financial income 75€6k
Financial charges 65€78k
Result before taxes 9903€524k
Income taxes 67/77€44k
Net result for the period 9904€480k
Result to be appropriated 9905€480k
Ratios computed by Checked.
Legal Structure
NACE primary Agenten en makelaars in bankdiensten(66191)
Legal form Private limited company(610)
Incorporation27-03-2023
StatusActive
Postal code9700
Establishment units 3 locations
VLAR Finance
Beverestraat 39, 9700 OudenaardeAgenten en makelaars in bankdiensten
since 20232.343.464.966
Anzegemsesteenweg(KRU) 16, 9770 Kruisem
Agenten en makelaars in bankdiensten
since 20242.363.454.686
Hoogstraat 5, 9600 Ronse
Agenten en makelaars in bankdiensten
since 20242.363.454.785
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
45508B0206/00L000
ProtectedTownscape or village viewStadskern OudenaardeSource ↗
 Flanders 2,042 m² 1 · 531 m² 15.4 m · 4 fl.
45017B0792/00H010 Flanders 1,143 m² 1 · 257 m² 14.4 m
45423E0271/00C000 Flanders 61 m² 1 · 61 m² 12.5 m · 4 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
31-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
12-09-2024
State Gazette act Registered-office change
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Address history · 1
12-09-2024
Registered-office move
All acts · 1 updated 1 year ago
2024
12-09-2024 Registered office moved from Erpe-Mere to Oudenaarde Registered-office change
  • Landries 163, 9420 Erpe-Mere → Beverestraat 39 9700 Oudenaarde
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Beverestraat 39 9700 Oudenaarde",
        "city": "Oudenaarde",
        "region": "vlaams_gewest",
        "street": "Beverestraat",
        "country": "BE",
        "postcode": "9700",
        "box_number": null,
        "street_number": "39",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Landries 163, 9420 Erpe-Mere",
        "city": "Erpe-Mere",
        "region": "vlaams_gewest",
        "street": "Landries",
        "country": "BE",
        "postcode": "9420",
        "box_number": null,
        "street_number": "163",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-09-12",
    "filing_date": "2024-09-03",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enige_bestuurder",
    "date": "2024-08-29",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0799.969.490",
    "name_full": "VLAR Finance",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Guy Van Vaerenbergh",
    "org_rep_person_name": null,
    "person_role_at_subject": "Vaste vertegenwoordiger"
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch Staatsblad - 12/09/2024 - Annexes du Moniteur belge"
  ]
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Agenten en makelaars in bankdiensten66191Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199
Primary activity highlighted.
Names & trade names
Legal nameNL VLAR Finance
Registered office
Beverestraat 39
9700 Oudenaarde, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 295 of 1,683 companies in this sector with filed accounts
FINSURIA BE 0839.669.414 · Evere
FRIKTA BE 0763.579.050 · Scherpenheuvel-Zichem
MARAN BE 0755.871.312 · Balen
LOMMOL BE 0799.602.078 · Lommel
RAMMELBEEK BE 0685.708.836 · Beveren-Kruibeke-Zwijndrecht
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative