Debts
€39,754 89% of the balance sheet
Suppliers 91%Taxes and wages 7%Other 2%
VPJ
Lifetime
4 annual accounts with figures on one time axispeak €6,659 (2024)
€6,659▲ 134%
lowest -€9 (2022)
€4,519▲ 17×
peak €4,769 (2024)
€4,769▲ 722%
€39,754▼ 19.5%
Board2 names since 2020
1 directorPONLOT Nicole Léontine Paulette
Documentsfilings and deeds
04-03-2026217 days late
2024financial year
Gross margin from €2,851 to €6,659Result from €259 to €4,519Equity from €580 to €4,769Debts from €49,361 to €39,754Cash from €4,073 to €938
Key points
from the 2024 annual accountsFilings
4 annual accounts 104 days past the deadline
2025 accounts not filed: deadline was 30-07-2026.
Position in the sector
€4,769
Less equity than 86% of companies in office administrative support. Sector median €459,331 · 1,190 companies.
Checked score
37
Weak
Financially stronger than 44% of micro companies in office administrative support (NACE 82)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.3% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.0%lowest value
01-2025: 3.0%▲ +1.0 percentage point vs 12-2024
02-2025: 3.0%● unchanged vs 01-2025
03-2025: 3.0%● unchanged vs 02-2025
04-2025: 2.8%▼ -0.2 percentage points vs 03-2025
05-2025: 2.8%● unchanged vs 04-2025
06-2025: 2.7%▼ -0.1 percentage points vs 05-2025
07-2025: 2.7%● unchanged vs 06-2025
08-2025: 3.9%▲ +1.2 percentage points vs 07-2025
09-2025: 3.9%● unchanged vs 08-2025
10-2025: 4.5%▲ +0.6 percentage points vs 09-2025
11-2025: 4.2%▼ -0.3 percentage points vs 10-2025
12-2025: 4.1%▼ -0.1 percentage points vs 11-2025
01-2026: 4.1%● unchanged vs 12-2025
02-2026: 4.1%● unchanged vs 01-2026
03-2026: 4.1%● unchanged vs 02-2026
04-2026: 2.8%▼ -1.3 percentage points vs 03-2026
05-2026: 2.8%● unchanged vs 04-2026
06-2026: 2.7%▼ -0.1 percentage points vs 05-2026
07-2026: 2.6%▼ -0.1 percentage points vs 06-2026
08-2026: 3.3%▲ +0.7 percentage points vs 07-2026
09-2026: 4.0%▲ +0.7 percentage points vs 08-2026
10-2026: 5.3%▲ +1.3 percentage points vs 09-2026highest value
11-2026: 5.3%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 217 days late; 3 of the last 3 accounts late
Figures for financial year 2024 (filed on 06-03-2026)
Founded in 2020
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 21% of them on solvency, 4% on liquidity, 54% on profitability and 99% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as VPJ has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VPJ itself is higher: 5.3% within 12 months. It rests on far more data about VPJ than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for VPJ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is tight, with a current ratio of 1.1 (0.99 in 2023), below the usual 1.5. Short-term debt is 89.3% and cash 2.1% of total assets. 89.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Eight signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1188 sector peers (2024).
NBB · sector comparisonPosition among 1188 sector peers
Solvency
better than 23%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €4,769
raises risk · Annual accounts not filed
The financial year that closed on 30-12-2025 was due at the National Bank by 30-07-2026. Nothing is on record, 104 days later.
NBB · 4 filingsPosition against the passed deadline
30-12-2025 year end30-07-2026 deadline11-11-2026 today
raises risk · 2024 accounts filed 217 days late
The financial year that closed on 30-12-2024 was due by 30-07-2025 and was filed on 04-03-2026, 217 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 4 filingsDeviation from the deadline
2025
not filed
2024
217 days late
2023
616 days late
2022
31 days late
2021
374 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 310 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (1)
Recent changes
Judicial dissolution, liquidator appointed
Enterprise Court of Hainaut, Charleroi division · Cuvelier Philippe · judgment of 05-01-2026 · Bankruptcy
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0755696415
New director
Philippe Ponlot appointed, Nicole Ponlot resigned · Transfer of shares from Nicole Ponlot to Philippe Ponlot · Director discharge: Nicole Ponlot · General meeting of 11-03-2025 · Gazette deed
New director
Nicole Ponlot appointed, Philippe Ponlot resigned · Philippe Ponlot holds 100% of the shares · General meeting of 16-11-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VPJ Charleroi | €44,522 | €6,659 | 10.7% | - |
| INCI CONSULTING Mons | €36,247 | €6,935 | 83.4% | - |
| Sunshine's Prod Production Ghent | €48,874 | €6,027 | 53.9% | - |
| SimplyJo Uccle | €45,049 | €9,108 | 8.9% | - |
| CVD SERVICES SRL Etalle | €34,081 | €5,113 | 34.4% | - |
| OFFIZ Vilvoorde | €34,834 | €8,882 | 64.2% | - |
| ATELIER 82 Wuustwezel | €34,909 | €6,554 | 53.1% | - |
These companies have the same main activity as VPJ: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €34,100 and €48,900, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 05-10-2020Normal situation
- Activity
- Office administrative and support servicesNACE 82100
- Establishment unit
- 2.320.390.7456041 Charleroi, since 05-10-2020
- Financial year end
- 30 December
- Peppol
- Reachable since 31-12-2025
Annual accounts to 30-12-2024
- ≈ €29,000estimated
- €44,522▼ 10.8%
- ≈ 0 FTEestimated
- Filing
- Filed on 04-03-2026
Insights on VPJ
The gross margin has grown every year since 2021. Solvency rose in 2024 from 1.2% to 10.7% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VPJ
- What is the company number of VPJ?
- The company number of VPJ is 0755.696.415. The VAT number is the same number with BE in front: BE 0755.696.415.
- Where is VPJ based?
- The registered office is at Chaussée de Fleurus 8A, 6041 Charleroi.Company details
- What does VPJ do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of VPJ?
- VPJ is a private limited company (BV).
- When was VPJ founded?
- VPJ was founded on 05-10-2020.
- Is VPJ still active?
- Yes, VPJ is an active enterprise in the KBO register.
- What is the turnover of VPJ?
- The turnover in financial year 2024 is ≈ €29,000. This figure is estimated from the gross margin of €6,659 and 67 comparable companies (NACE 82100). It probably lies between €15,000 and €64,000. It is a rough estimate. In financial year 2022 turnover was €161,105.Financials
- Is VPJ profitable?
- In financial year 2024, VPJ made a profit of €4,519.
- Where can I find the annual accounts of VPJ?
- VPJ filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
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