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VSCO

Active
Private limited company·Detailhandel in ICT-apparatuur· 3 yrs active
Pater Dupierreuxlaan 14 ·3080 Tervuren, Belgium
KBO/BCE: BE 0801.606.614
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Belgian State Gazette acts: 0 of 2 read
Age3 yrs
Real estate1 parcel · 698 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of VSCO is 2.4% (moderate). The 2025 annual accounts show equity of €49k and a net result of €-20k. Its solvency ranks better than 75% of 1432 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-03-2026, 147 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 06-03-2026 147 d early 2026-00049777
31-12-2024 31-07-2025 22-07-2025 9 d early 2025-00293719
31-12-2023 31-07-2024 18-06-2024 43 d early 2024-00137566

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.4% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-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?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-20k
Working capital€53k-36.5%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 06-03-2026 with the NBB · fiscal year 2025 · micro
€-25k€0€25k€50k€75kOperating result 2024: €64k€64kNet result 2024: €46k€46kOperating result 2025: €-20k€-20kNet result 2025: €-20k€-20k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 55.8% 23.5%
better than 75% of 1432 sector peers
Net result €-20k €7k
better than 10% of 1429 sector peers
Equity €49k €25k
better than 62% of 1434 sector peers
Gross operating margin €-12k €34k
better than 6% of 1426 sector peers
Total assets €87k €132k
better than 39% of 1433 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€68k
- 24-25
Net profit
€-20k
- 24-25
Cash flow
€50k
- 24-25
Total assets
€87k
-21.7% 24-25
Equity
€49k
-50.4% 24-25
Working capital
€53k
-36.5% 24-25
Staff costs
€1k
- 24-25
Income taxes
€23
-99.9% 24-25
Show 10 other metrics
Dividends
€30k
- 24-25
Debt
€34k
+158.6% 24-25
Debt ≤ 1y
€34k
+158.9% 24-25
Current ratio
2.55
-65.2% 24-25
Quick ratio
2.55
-65.2% 24-25
Solvency
55.8%
-36.7% 24-25
Debt / equity
0.70
+421.7% 24-25
ROE
-40.9%
- 24-25
ROA
-22.8%
- 24-25
Interest coverage
894.24
- 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA-
Net profit€-20k
Cash flow-
Staff costs-
Income taxes€23
Dividends€30k
Total assets€87k
Equity€49k
Debt€34k
of which ≤ 1y€34k
of which > 1y-
Working capital€53k
Employees (FTE)-
Ratios (computed)
2025
Current ratio2.55
Quick ratio2.55
Working capital ratio60.8%
Solvency55.8%
Debt / equity0.70
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-22.8%
ROE-40.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€87k
Current assets 29/58€87k
Amounts receivable within one year 40/41€18k
Cash & bank 54/58€69k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€87k
Equity 10/15€49k
Contributions / capital 10/11€3k
Reserves 13€46k
Provisions & deferred taxes 16€4k
Amounts payable 17/49€34k
Amounts payable within one year 42/48€34k
Trade debts payable within one year 44€411
Income statement
Gross operating margin 9900€-12k
Operating result 9901€-20k
Financial charges 65€82
Result before taxes 9903€-20k
Income taxes 67/77€23
Net result for the period 9904€-20k
Result to be appropriated 9905€-20k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
62 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
Parcels1
Ground area698 m²
Buildings1
Building footprint125 m²
Volume (LiDAR)568 m³
Tallest building8.1 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24104C0095/00X003 Flanders 698 m² 1 · 125 m² 8.1 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured
Health62Profitability0Solvency98Growth32Stability94
57 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 62
Profitability 0
Solvency 98
Growth 32
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 296 of the 3,221 companies in this sector. 243 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in ICT-apparatuur47400Detailhandel in computers, randapparatuur en software in gespecialiseerde winkels47410Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110
Primary activity highlighted.
Names & trade names
Legal nameNL VSCO
Registered office
Pater Dupierreuxlaan 14
3080 Tervuren, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.