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Generated 12-08-2026
Active BE 0666.699.410Private limited companyOpen bankruptcy

VO

Rue Saint-Jean-en-Isle 20 ·4000 Liège, Belgium· 9 yrs active
Sector: Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen (68201)
Conclusion Checked

A bankruptcy procedure is open for VO according to publications in the Belgian State Gazette. The 2022 annual accounts show negative equity (€-95k) and a net result of €22k.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €-95k
Net result €22k
Staff (FTE) 1.1
Better than sector 5%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health0Profitability0Solvency33Growth78Stability0
22 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0
Profitability 0
Solvency 33
Growth 78
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 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 FY 2022 · computed
0 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview6 NBB filings
Annual accounts filed on 20-03-2024 with the NBB · fiscal year 2022 · micro
€-150k€-100k€-50k€0Operating result 2018: €-125k€-125kNet result 2018: €-147k€-147kOperating result 2019: €7k€7kNet result 2019: €-144k€-144kOperating result 2020: €-3k€-3kNet result 2020: €-147k€-147kOperating result 2021: €13k€13kNet result 2021: €12k€12kOperating result 2022: €23k€23kNet result 2022: €22k€22k20182019202020212022
Operating resultNet result
Sector comparison
Fiscal year 2022 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -42.5% 20.1%
better than 5% of 3187 sector peers
Net result €22k €2k
better than 74% of 3179 sector peers
Equity €-95k €26k
better than 5% of 3190 sector peers
Gross operating margin €29k €21k
better than 56% of 3173 sector peers
Staff costs €4k €22k
higher than 27% of 488 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€25k
+88.5% 18-22
Net profit
€22k
+84.3% 18-22
Cash flow
€24k
+92.8% 18-22
Total assets
€223k
+353.6% 18-22
Equity
€-95k
+18.6% 18-22
Working capital
€-202k
-78.2% 18-22
Employees (FTE)
1
- 18-22
Staff costs
€4k
-92.6% 18-22
Income taxes
€-5
- 18-22
Debt
€318k
+91.8% 18-22
Debt ≤ 1y
€318k
+102.7% 18-22
Debt > 1y
€3k
0.0% 18-22
Current ratio
0.36
+31.4% 18-22
Quick ratio
0.36
+28.0% 18-22
Solvency
-42.5%
+82.1% 18-22
Debt / equity
-3.35
-135.8% 18-22
ROE
-22.9%
-126.5% 18-22
ROA
9.7%
-59.4% 18-22
Interest coverage
27.65
+60.2% 18-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA€25k
Net profit€22k
Cash flow€24k
Staff costs€4k
Income taxes-
Dividends-
Total assets€223k
Equity€-95k
Debt€318k
of which ≤ 1y€318k
of which > 1y-
Working capital€-202k
Employees (FTE)1.1
Ratios (computed)
2022
Current ratio0.36
Quick ratio0.36
Working capital ratio-90.5%
Solvency-42.5%
Debt / equity-3.35
Long-term debt ratio-
Interest coverage27.65
Gross margin-
Net margin-
ROA9.7%
ROE-22.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€223k
Fixed assets 21/28€107k
Intangible fixed assets 21€2k
Tangible fixed assets 22/27€105k
Current assets 29/58€116k
Stocks & contracts in progress 3€3k
Amounts receivable within one year 40/41€111k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€223k
Equity 10/15€-95k
Contributions / capital 10/11€19k
Accumulated profits (losses) 14€-114k
Amounts payable 17/49€318k
Amounts payable within one year 42/48€318k
Trade debts payable within one year 44€119k
Income statement
Gross operating margin 9900€29k
Operating result 9901€23k
Financial charges 65€901
Result before taxes 9903€22k
Net result for the period 9904€22k
Result to be appropriated 9905€22k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • VANDERMEULEN loris
    Manager
    State Gazette act 24118747 (07-08-2024)
    Current
    24-10-2022 → present
    2 events
    • 09-07-2024 Appointed· Manager
    • 24-10-2022 Appointed· Managing director
Former directors (2)
  • DERUYVER Gabrielle
    Managing director
    State Gazette act 22148105 (15-12-2022)
    Former
    24-10-2022 → 14-02-2024
    2 events
    • 14-02-2024 Resigned· Manager
    • 24-10-2022 Appointed· Managing director
  • Olivier LACROIX
    Manager
    State Gazette act 22148105 (15-12-2022)
    Former
    - → 06-12-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Directors & mandates2 persons
Role Name Tenure Source
Curator CAROLINE DEWANDRE
PLACE VERTE 13, 4000 LIEGE 1
 28-04-2025 → present Belgian State Gazette
Curator XAVIER DEFOY
PLACE VERTE 13, 4000 LIEGE 1
 28-04-2025 → present Belgian State Gazette
Legal Structure
NACE primary Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen(68201)
Legal form Private limited company(610)
Incorporation25-11-2016
StatusActive
Postal code4000
First BS signal 02-05-2025
Latest BS signal 02-05-2025
Establishment units 1 location
VO
Rue Saint-Jean-en-Isle 20, 4000 LiègeEetgelegenheden met volledige bediening
since 20172.260.940.732
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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62803A1181/00D000 Wallonia 165 m² 1 · 71 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 9 events

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

2025
02-05-2025
Bankruptcy Opening
Tribunal de l’entreprise de Liège, division Liège · VO SRL RUE SAINT-JEAN-EN-ISLE 20, 4000 LIEGE 1 · event 28-04-2025
2024
07-08-2024
State Gazette act Director changes
20-03-2024
NBB filing Annual accounts filed
fiscal year 2022 · micro
2023
29-04-2023
NBB filing Annual accounts filed
fiscal year 2021 · micro
2022
15-12-2022
State Gazette act Director changes
31-03-2022
NBB filing Annual accounts filed
fiscal year 2020 · micro
2021
05-07-2021
NBB filing Annual accounts filed
fiscal year 2019 · volledig
28-05-2021
NBB filing Annual accounts filed
fiscal year 2018 · micro
2019
05-03-2019
NBB filing Annual accounts filed
fiscal year 2017 · micro
Lifecycle & Insolvency Signals 1 events
02-05-2025
Bankruptcy Opening
Date: 28-04-2025 · Tribunal de l’entreprise de Liège, division Liège · VO SRL RUE SAINT-JEAN-EN-ISLE 20, 4000 LIEGE 1 · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-05-02 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 2 years ago
2024
07-08-2024 1 director appointed, 1 resigning Director changes
  • VANDERMEULEN loris, Zaakvoerder
  • DERUYVER Gabrielle, Zaakvoerder
Technical details 
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      "effective_date": "2024-02-14",
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  "act_meta": {
    "language": "fr",
    "pub_date": "2024-08-07",
    "filing_date": "2024-02-14",
    "act_kind_objet": "Objet de l\u0027acte:"
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  "publication_proxy": {
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2022
15-12-2022 2 directors appointed, 1 resigning Director changes
  • DERUYVER Gabrielle, Gedelegeerd bestuurder
  • VANDERMEULEN Loris, Gedelegeerd bestuurder
  • Olivier LACROIX, Zaakvoerder
Technical details 
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      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-12-06",
      "evidence_quote": "L\u0027AGE acte la d\u00E9mission avec effet imm\u00E9diat d\u0027Olivier LACROIX.",
      "decharge_status": null,
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      "rep_rotation_new_rep": null,
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      "evidence_quote": "L\u0027AGE prend note que la mission de 9 mois d\u0027Olivier LACROIX est totalement cl\u00F4tur\u00E9e et s\u0027est d\u00E9roul\u00E9e parfaitement.",
      "decharge_status": "granted",
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      "evidence_quote": "L\u0027AGE acte la nomination au poste d\u0027administrateurs Madame DERUYVER Gabrielle",
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van terreinen68204Verhuur en exploitatie van terreinen68204
Primary activity highlighted.
Names & trade names
Legal nameFR VO
Registered office
Rue Saint-Jean-en-Isle 20
4000 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative