VMF Finance
ActiveSummary
VMF Finance is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€35,376) and a net result of -€11,192. Its solvency ranks better than 5% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
Source: KBO- Status
- Active since 08-12-2023 Normal situation
- Activity
- Insurance agents and brokers NACE 66220
- Establishment unit
- 2.353.652.540 1740 Ternat, since 08-12-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Board and ownership
Board
- MAJ FINANCEDirector · since 08-04-2024 · permanent representative Pascal Joe Tony Vanstraelen
- Nathalie FiévetDirector · since 08-04-2024
Shareholders
- MAJ FINANCE34%31-03-2025 annual accounts of MAJ FINANCE
- Nathalie Fiévet33.33%· score 932025 annual accounts of Nathalie Fiévet
- THEMA FINANCE33.33%2024 annual accounts of THEMA FINANCE
- Holdings
- Shares in 1 company VMF Insurance
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Loss
- €11,192
- ▼ 74.7%
- Equity
- -€35,376
- ▼ 46.3%
- Total assets
- €164,116
- ▼ 11.5%
- Negative equity on 31-12-2025
- 2025 accounts filed 56 days after the deadline
Signalsraises riskWeak solvency compared with the sectorYoung company2025 accounts filed 56 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
Three signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1853 sector peers (2025).
NBB · sector comparisonPosition among 1853 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 56 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
56 days late
2024
7 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 25 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
Recent changes
- · Gazette deed Resignation: TheMa Finance BV (director)Permanent representatives: Theodorus Augustinus Marsé and Nathalie Fiévet
- · Gazette deed Registered office moved from Aalst to TernatNew seat: Statiestraat 103, 1740 Ternat · Previous seat: Vosholleweg 24 - 9320 Aalst · Resignation: Pascal Joe Tony Vanstraelen (director)
- · Gazette deed IncorporationStarting capital €20,000 · Appointment: VANSTRAELEN Pascal Joe Tony (director)
Comparable companies
These companies have the same main activity as VMF Finance: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €94,400 and €296,000, founded between 2021 and 2025.
| Company | Total assets | Gross margin |
|---|---|---|
| VMF Finance Ternat | €164,116 | €16,716 |
| Wouter Vanbussel Oudsbergen | €98,748 | €24,354 |
| ASSURMAT Londerzeel | €94,431 | €41,184 |
| LEEN STRAUVEN Halen | €154,271 | €18,016 |
| MH CONSEIL Fontaine-l'Evêque | €140,648 | €13,749 |
| RISK MANAGER Lennik | €122,606 | €12,493 |
| Janina Bertem | €295,611 | €23,020 |
Key facts about VMF Finance
- What is the company number of VMF Finance?
- The company number of VMF Finance is 1003.165.882. The VAT number is the same number with BE in front: BE 1003.165.882.
- Where is VMF Finance based?
- The registered office is at Statiestraat 103, 1740 Ternat.Company details
- What does VMF Finance do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of VMF Finance?
- The legal form of VMF Finance is Private limited company (BV).
- When was VMF Finance founded?
- VMF Finance was founded on 08-12-2023.
- Is VMF Finance still active?
- Yes, VMF Finance is an active enterprise in the KBO register.
- What is the turnover of VMF Finance?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €16,716 and 2,706 comparable companies of the same size. It probably lies between €47,000 and €280,000. It is a rough estimate.Financials
- Is VMF Finance profitable?
- In financial year 2025, VMF Finance made a loss of €11,192.
- Where can I find the annual accounts of VMF Finance?
- VMF Finance filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VMF Finance due?
- VMF Finance must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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