Active BE 0755.696.415Private limited company

VPJ

Chaussée de Fleurus 8A ·6041 Charleroi, Belgium· 5 yrs active

Sector: NACE 82100 (82100)

Conclusion Checked

The computed 12-month bankruptcy probability of VPJ is 1.4% (low). The 2023 annual accounts show equity of €580 and a net result of €259. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€580
Net result	€259
Active	5 yrs
Locations	1

Snowflake analysis 5 axes · computed by Checked

68 / 100

Strong profile, led by profitability.

Health 56

Profitability 100

Solvency 12

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

1.4% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2023 · computed

56 / 100 Fair

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 04-03-2026 with the NBB · fiscal year 2024 · volledig

RevenueOperating resultNet result

Revenue

€161k

- -81% vs sector

EBITDA

€1k

+2.6% -99% vs sector

Net profit

€259

- -99% vs sector

Cash flow

€695

+389.8% -99% vs sector

Total assets

€50k

+53.8% -98% vs sector

Equity

€580

+80.9% -100% vs sector

Working capital

€-578

+54.6% far below sector median

Income taxes

€97

- -96% vs sector

Debt

€49k

+53.5% -88% vs sector

Debt ≤ 1y

€49k

+53.5% -85% vs sector

Current ratio

0.99

+2.9% -69% vs sector

Quick ratio

0.98

+3.5% -69% vs sector

Solvency

1.2%

+17.6% -98% vs sector

Debt / equity

85.13

-15.1% far above sector median

ROE

44.7%

- far above sector median

ROA

0.5%

- -84% vs sector

Net margin

0.0%

- far below sector median

EBITDA margin

0.7%

- -98% vs sector

Interest coverage

7.93

+595.3% ≈ vs sector

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Revenue	-
EBITDA	€1k
Net profit	€259
Cash flow	€695
Staff costs	-
Income taxes	€97
Dividends	-
Total assets	€50k
Equity	€580
Debt	€49k
of which ≤ 1y	€49k
of which > 1y	-
Working capital	€-578
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	0.99
Quick ratio	0.98
Working capital ratio	-1.2%
Solvency	1.2%
Debt / equity	85.13
Long-term debt ratio	-
Interest coverage	7.93
Gross margin	-
Net margin	-
ROA	0.5%
ROE	44.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €1k · 2.3% Current assets €49k · 97.7%

Equity & liabilities

Equity €580 · 1.2% Debt €49k · 98.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€50k
Fixed assets	21/28	€1k
Tangible fixed assets	22/27	€1k
Current assets	29/58	€49k
Stocks & contracts in progress	3	€500
Amounts receivable within one year	40/41	€43k
Cash & bank	54/58	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€50k
Equity	10/15	€580
Contributions / capital	10/11	€250
Accumulated profits (losses)	14	€330
Amounts payable	17/49	€49k
Amounts payable within one year	42/48	€49k
Trade debts payable within one year	44	€40k
Income statement
Gross operating margin	9900	€3k
Operating result	9901	€749
Financial income	75	€90
Financial charges	65	€149
Result before taxes	9903	€356
Income taxes	67/77	€97
Net result for the period	9904	€259
Result to be appropriated	9905	€259

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	82100
Legal form	Private limited company(610)
Incorporation	05-10-2020
Status	Active
Postal code	6041

Establishment units 1 location

Chaussée de Fleurus 8a, 6041 Charleroi

Diverse administratieve activiteiten ten behoeve van kantoren

since 20202.320.390.745

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.
52028B0385/00A043	Wallonia	1,108 m²	1 · 142 m²	17.1 m · 5 fl.

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 6 events

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

2026

07-04-2026

NBB filing Annual accounts filed

fiscal year 2023 · volledig

04-03-2026

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2025

26-09-2025

State Gazette act Director changes

2023

14-12-2023

State Gazette act Director changes

31-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

09-08-2023

NBB filing Annual accounts filed

fiscal year 2021 · micro

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 10 months ago

2025

26-09-2025 1 director appointed, 1 resigning Director changes

Philippe Ponlot, Gedelegeerd bestuurder
Nicole Ponlot, Gedelegeerd bestuurder

Original publication ↗

Technical details

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    "filing_date": "2025-09-18",
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2023

14-12-2023 2 directors appointed, 1 resigning Director changes

Nicole Ponlot, Bestuurder
Nicole Ponlot, Directeur
Philippe Ponlot, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110

Primary activity highlighted.

Names & trade names

Legal nameFR

VPJ

Registered office

Chaussée de Fleurus 8A

6041 Charleroi, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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