Summary
VP CONCEPT 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 €204,283 and a net result of €15,779. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 2463 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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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 31-12-2025 was due by 31-07-2026 and was filed on 11-07-2026, 20 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
20 d early
2024
28 d late
2023
30 d late
2022
52 d late
2021
11 d early
2020
31 d late
2019
89 d late
← 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 28 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€204,283▲ 8.4%
2024 · €188,504
Net result
€15,779▲ 189%
2024 · €5,456
Total assets
€369,253▲ 0.2%
2024 · €368,689
Solvency
55.3%▲ 4.2pp
2024 · 51.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€73,344-€19,055-€19,064=-€26,771▼ 40.4%€12,132
Net result€43,536within the sector's middle half▲ 898%€103,087above the sector's middle half▲ 137%-€29,549below the sector's middle half€5,456within the sector's middle half€15,779within the sector's middle half▲ 189%
Equity€109,510within the sector's middle half▲ 36.4%€212,597within the sector's middle half▲ 94.1%€183,048within the sector's middle half▼ 13.9%€188,504within the sector's middle half▲ 3.0%€204,283within the sector's middle half▲ 8.4%
Total assets€355,217within the sector's middle half▲ 11.7%€426,707within the sector's middle half▲ 20.1%€403,564within the sector's middle half▼ 5.4%€368,689within the sector's middle half▼ 8.6%€369,253within the sector's middle half▲ 0.2%
Debt€245,707▲ 3.3%€214,110▼ 12.9%€220,516▲ 3.0%€180,185▼ 18.3%€164,970▼ 8.4%
Working capital€62,115within the sector's middle half▲ 30.1%€130,616within the sector's middle half▲ 110%€92,109within the sector's middle half▼ 29.5%€111,534within the sector's middle half▲ 21.1%€123,995within the sector's middle half▲ 11.2%
Solvency30.8%within the sector's middle half▲ 5.6pp49.8%within the sector's middle half▲ 19.0pp45.4%within the sector's middle half▼ 4.5pp51.1%within the sector's middle half▲ 5.8pp55.3%within the sector's middle half▲ 4.2pp
Current ratio2.41within the sector's middle half▲ 0.344.03above the sector's middle half▲ 1.622.53within the sector's middle half▼ 1.504.61above the sector's middle half▲ 2.085.60above the sector's middle half▲ 0.99
Return on assets (ROA)12.3%within the sector's middle half▲ 10.9pp24.2%above the sector's middle half▲ 11.9pp-7.3%below the sector's middle half▼ 31.5pp1.5%below the sector's middle half▲ 8.8pp4.3%within the sector's middle half▲ 2.8pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12,132 after a loss of €26,771 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €369,253
Fixed assets
€218,308 ▼ 3.5%
Current assets
€150,945 ▲ 6.0%
Equity and liabilities €369,253
Equity
€204,283 ▲ 8.4%
Debt
€164,970 ▼ 8.4%
Debt's share of the balance-sheet total falls from 48.9% to 44.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.7%▲
2024 · 2.9%
Debt ≤ 1 year
€26,950▼
2024 · €30,899
Debt > 1 year
€138,020▼
2024 · €149,286
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,938 | €46,835 | €7,917 | €8,420 | €7,948 | ▼ 5.6% |
| Other operating charges640/8 | €2,147 | €12,401 | €1,679 | €2,577 | €506 | ▼ 80.4% |
| Gross operating margin9900 | €97,429 | €40,181 | -€9,468 | -€15,774 | €20,586 | ▲ 231% |
| Operating profit (loss)9901 | €73,344 | -€19,055 | -€19,064 | -€26,771 | €12,132 | ▲ 145% |
| Financial income75/76B | €40 | €180,520 | €14 | €39,505 | €4,630 | ▼ 88.3% |
| Recurring financial income75 | €40 | €27 | €14 | €4,111 | €4,630 | ▲ 12.6% |
| Non-recurring financial income76B | - | €180,493 | - | €35,394 | - | - |
| Financial charges65/66B | €6,662 | €11,377 | €6,127 | €6,132 | €983 | ▼ 84.0% |
| Recurring financial charges65 | €6,199 | €10,722 | €6,127 | €6,132 | €983 | ▼ 84.0% |
| Non-recurring financial charges66B | €463 | €655 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €66,722 | €150,088 | -€25,177 | €6,602 | €15,779 | ▲ 139% |
| Income taxes67/77 | €23,186 | €47,001 | €4,372 | €1,146 | - | - |
| Profit (loss) for the period9904 | €43,536 | €103,087 | -€29,549 | €5,456 | €15,779 | ▲ 189% |
| Profit (loss) for the period to be appropriated9905 | €43,536 | €103,087 | -€29,549 | €5,456 | €15,779 | ▲ 189% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €355,217 | €426,707 | €403,564 | €368,689 | €369,253 | ▲ 0.2% |
| Fixed assets21/28 | €249,071 | €253,027 | €251,232 | €226,256 | €218,308 | ▼ 3.5% |
| Tangible fixed assets22/27 | €248,702 | €252,408 | €250,613 | €225,637 | €217,689 | ▼ 3.5% |
| Land and buildings22 | €191,295 | €251,090 | €244,311 | €220,976 | €214,669 | ▼ 2.9% |
| Plant, machinery and equipment23 | €53,867 | €1,318 | €6,302 | €4,661 | - | - |
| Furniture and vehicles24 | €3,540 | - | - | - | €3,020 | - |
| Financial fixed assets28 | €369 | €619 | €619 | €619 | €619 | = |
| Current assets29/58 | €106,146 | €173,680 | €152,332 | €142,433 | €150,945 | ▲ 6.0% |
| Amounts receivable within one year40/41 | €73,960 | €28,797 | €143,232 | €133,967 | €149,403 | ▲ 11.5% |
| Trade receivables40 | €17,413 | €12,588 | €10,245 | - | €984 | - |
| Other amounts receivable41 | €56,547 | €16,209 | €132,987 | €133,967 | €148,419 | ▲ 10.8% |
| Cash at bank and in hand54/58 | €29,809 | €142,955 | €8,571 | €7,985 | €1,296 | ▼ 83.8% |
| Deferred charges and accrued income490/1 | €2,377 | €1,928 | €529 | €481 | €246 | ▼ 48.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €355,217 | €426,707 | €403,564 | €368,689 | €369,253 | ▲ 0.2% |
| Equity10/15 | €109,510 | €212,597 | €183,048 | €188,504 | €204,283 | ▲ 8.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Uncalled capital101 | €12,400 | - | - | - | - | - |
| Reserves13 | €103,310 | €206,397 | €206,397 | €206,397 | €206,397 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €101,450 | €204,537 | €204,537 | €204,537 | €204,537 | = |
| Profit (loss) carried forward14 | - | - | -€29,549 | -€24,093 | -€8,314 | ▲ 65.5% |
| Amounts payable17/49 | €245,707 | €214,110 | €220,516 | €180,185 | €164,970 | ▼ 8.4% |
| Amounts payable after more than one year17 | €196,364 | €171,046 | €160,293 | €149,286 | €138,020 | ▼ 7.5% |
| Financial debts170/4 | €196,364 | €171,046 | €160,293 | €149,286 | €138,020 | ▼ 7.5% |
| Amounts payable within one year42/48 | €44,031 | €43,064 | €60,223 | €30,899 | €26,950 | ▼ 12.8% |
| Current portion of amounts payable after more than one year42 | €24,876 | €10,506 | €10,753 | €11,007 | €7,646 | ▼ 30.5% |
| Trade debts44 | €3,211 | €3,018 | €8,488 | €11,980 | €5,577 | ▼ 53.4% |
| Suppliers440/4 | - | €416 | €8,488 | €11,980 | €5,577 | ▼ 53.4% |
| Bills of exchange payable441 | €3,211 | €2,602 | - | - | - | - |
| Taxes, remuneration and social security45 | €15,944 | €29,540 | €16,702 | - | €1,784 | - |
| Taxes450/3 | €15,944 | €29,540 | €16,693 | - | - | - |
| Remuneration and social security454/9 | - | - | €9 | - | €1,784 | - |
| Other amounts payable47/48 | - | - | €24,280 | €7,912 | €11,943 | ▲ 50.9% |
| Accrued charges and deferred income492/3 | €5,312 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €43,536 | €103,087 | -€29,549 | €5,456 | €15,779 | ▲ 189% |
| + Depreciation and write-downs630 | €21,938 | €46,835 | €7,917 | €8,420 | €7,948 | ▼ 5.6% |
| Operating cash flow (approximation) | €65,474 | €149,922 | -€21,632 | €13,876 | €23,727 | ▲ 71.0% |
| Investment in fixed assets (approximation) | - | -€50,791 | -€6,122 | €16,556 | €0 | ▼ 100% |
| Change in cash | - | €113,146 | -€134,384 | -€586 | -€6,689 | ▼ 1,041% |
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
2026
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200,000Eq €204,283 ▲8.4%
2 profitable years in a row build equity to €204,283.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €5,456
Net result €5,456 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet -€29,549
Net result drops to -€29,549, the lowest in the series; recovery starts the following year.
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
31-12
Financial
Highest result since 2018net €103,087 ▲137%
Net result €103,087, the highest in the series.
31-12
Financial
Equity above €200,000Eq €212,597 ▲94.1%
5 profitable years in a row build equity to €212,597.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €109,510 ▲36.4%
4 profitable years in a row build equity to €109,510.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Show earlier events
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are 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, Oudergem · 1 establishment unit since 2016
Ground area
9,584 m²
Building footprint
1,282 m²
Volume, LiDAR
18,148 m³
Parcel 21332E0006/00H025, Brussels · tallest building 20.7 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
VP CONCEPT
since 20162.259.687.254
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332E0006/00H025 | Brussels | 9,584 m² | 1 · 1,282 m² | 20.6 m · 5 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.
Similar companies · same sector, comparable size
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R.G.F. LOANS
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LOOSVELT VERZEKERINGEN
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,821 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
Founded21-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
46190Agents in non-specialised wholesale trade
68310Real estate agency activities
70200Business and other management consultancy
Contact
E-mail
vpconceptsprl@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0667973573
Also
9925:BE0667973573
Registered
10-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.