Summary
VLICO 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 €35k and a net result of €11k. Equity is growing by ~43% per year across the filed fiscal years. Its solvency ranks better than 78% of 8048 sector peers (fiscal year 2025). The company has been active since 2022 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
39 d early
2024
1 d early
2023
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 39.6%
2024 · €25k
2023: €13klowest in 3 years
2024: €25k▲ +86.6% vs 2023
2025: €35k▲ +39.6% vs 2024highest in 3 years
2023 → 2025
Net result
€11k▼ 13.4%
2024 · €12k
2023: €9klowest in 3 years
2024: €12k▲ +34.6% vs 2023highest in 3 years
2025: €11k▼ -13.4% vs 2024
2023 → 2025
Total assets
€43k▲ 21.0%
2024 · €36k
2023: €24klowest in 3 years
2024: €36k▲ +49.9% vs 2023
2025: €43k▲ +21.0% vs 2024highest in 3 years
2023 → 2025
Solvency
80.9%▲ 10.8pp
2024 · 70.1%
2023: 56.3%lowest in 3 years
2024: 70.1%▲ +24.4% vs 2023
2025: 80.9%▲ +15.4% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€25k▲ 86.6%€35k▲ 39.6%
2023: €13klowest in 3 years
2024: €25k▲ +86.6% vs 2023
2025: €35k▲ +39.6% vs 2024highest in 3 years
Operating result€12k-€17k▲ 36.0%€15k▼ 11.3%
2023: €12klowest in 3 years
2024: €17k▲ +36.0% vs 2023highest in 3 years
2025: €15k▼ -11.3% vs 2024
Net result€9k-€12k▲ 34.6%€11k▼ 13.4%
2023: €9klowest in 3 years
2024: €12k▲ +34.6% vs 2023highest in 3 years
2025: €11k▼ -13.4% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€7k ▼ 22.7%
Current assets
€36k ▲ 36.2%
Equity and liabilities €43k
Equity
€35k ▲ 39.6%
Debt
€8k ▼ 22.8%
Debt's share of the balance-sheet total falls from 29.9% to 19.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
30.8%▼
2024 · 49.6%
ROA
24.9%▼
2024 · 34.8%
Debt ≤ 1 year
€8k▼
2024 · €11k
Income taxes
€4k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€36k€43k▲
Fixed assets21/28€9k€7k▼
Tangible fixed assets22/27€9k€7k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€4k€4k▼
Current assets29/58€27k€36k▲
Cash at bank and in hand54/58€27k€36k▲
Equity and liabilities
Total equity and liabilities10/49€36k€43k▲
Equity10/15€25k€35k▲
Contributions10/11€5k€5k=
Reserves13€20k€30k▲
Distributable reserves133€20k€30k▲
Amounts payable17/49€11k€8k▼
Amounts payable within one year42/48€11k€8k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€1k€260▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€876€570▼
Gross operating margin9900€20k€18k▼
Operating profit (loss)9901€17k€15k▼
Financial charges65/66B€150€149▼
Recurring financial charges65€150€149▼
Profit (loss) for the period before taxes9903€17k€15k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€12k€11k▼
Profit (loss) for the period to be appropriated9905€12k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€11k▼
Transfer to equity691/2€12k€10k▼
To other reserves6921€12k€10k▼
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €802 | €2k | €2k | ▲ 15.0% |
| Other operating charges640/8 | €1k | €876 | €570 | ▼ 34.9% |
| Gross operating margin9900 | €14k | €20k | €18k | ▼ 9.9% |
| Operating profit (loss)9901 | €12k | €17k | €15k | ▼ 11.3% |
| Financial charges65/66B | €23 | €150 | €149 | ▼ 0.6% |
| Recurring financial charges65 | €23 | €150 | €149 | ▼ 0.6% |
| Profit (loss) for the period before taxes9903 | €12k | €17k | €15k | ▼ 11.4% |
| Income taxes67/77 | €3k | €4k | €4k | ▼ 5.5% |
| Profit (loss) for the period9904 | €9k | €12k | €11k | ▼ 13.4% |
| Profit (loss) for the period to be appropriated9905 | €9k | €12k | €11k | ▼ 13.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €24k | €36k | €43k | ▲ 21.0% |
| Fixed assets21/28 | €8k | €9k | €7k | ▼ 22.7% |
| Tangible fixed assets22/27 | €8k | €9k | €7k | ▼ 22.7% |
| Furniture and vehicles24 | €7k | €5k | €4k | ▼ 31.6% |
| Other tangible fixed assets26 | €1k | €4k | €4k | ▼ 10.5% |
| Current assets29/58 | €16k | €27k | €36k | ▲ 36.2% |
| Cash at bank and in hand54/58 | €16k | €27k | €36k | ▲ 36.2% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €24k | €36k | €43k | ▲ 21.0% |
| Equity10/15 | €13k | €25k | €35k | ▲ 39.6% |
| Contributions10/11 | €5k | €5k | €5k | = |
| Reserves13 | €8k | €20k | €30k | ▲ 49.5% |
| Distributable reserves133 | €8k | €20k | €30k | ▲ 49.5% |
| Amounts payable17/49 | €10k | €11k | €8k | ▼ 22.8% |
| Amounts payable within one year42/48 | €10k | €11k | €8k | ▼ 22.8% |
| Trade debts44 | €5k | €4k | €2k | ▼ 38.5% |
| Suppliers440/4 | €5k | €4k | €2k | ▼ 38.5% |
| Taxes, remuneration and social security45 | €5k | €6k | €6k | ▼ 4.6% |
| Taxes450/3 | €5k | €6k | €6k | ▼ 4.6% |
| Other amounts payable47/48 | €393 | €1k | €260 | ▼ 75.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €12k | €11k | ▼ 13.4% |
| + Depreciation and write-downs630 | €802 | €2k | €2k | ▲ 15.0% |
| Operating cash flow (approximation) | €10k | €14k | €13k | ▼ 9.8% |
| Investment in fixed assets (approximation) | - | €-3k | €0 | ▲ 100% |
| Change in cash | - | €11k | €10k | ▼ 11.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2023net €12k ▲34.6%
Operating result €17k, net result €12k, both a record.
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2022
Ground area
141 m²
Building footprint
75 m²
Volume, LiDAR
762 m³
Parcel 11810K1921/00L005, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
VLICO
since 20222.332.199.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1921/00L005 | Flanders | 141 m² | 1 · 75 m² | 15.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 9,267 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-05-2022
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.