SA VIPA NV 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 €77k and a net result of €22k. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 1468 sector peers (fiscal year 2025). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
32 d late
2023
2 d early
2022
3 d late
2021
14 d early
2020
61 d late
2019
12 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€77k▲ 39.2%
2024 · €55k
2018: €85k
2019: €97k
2020: €95k
2021: €93k
2022: €85k
2023: €70k
2024: €55k
2018 → 2025
Net result
€22k
2024 · €-15k
2018: €-12k
2019: €13k
2020: €-2k
2021: €-2k
2022: €-8k
2023: €-14k
2024: €-15k
2018 → 2025
Total assets
€89k▲ 14.9%
2024 · €77k
2018: €195k
2019: €148k
2020: €127k
2021: €122k
2022: €117k
2023: €99k
2024: €77k
2018 → 2025
Solvency
86.4%▲ 15.1pp
2024 · 71.3%
2018: 43.3%
2019: 66.0%
2020: 75.1%
2021: 76.2%
2022: 72.7%
2023: 71.2%
2024: 71.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€263k€260k▼ 1.4%
Equity€93k-€85k▼ 9.1%€70k▼ 17.1%€55k▼ 21.5%€77k▲ 39.2%
Operating result€3k-€-4k€-12k▼ 191%€-13k▼ 13.7%€25k
Net result€-2k-€-8k▼ 339%€-14k▼ 71.9%€-15k▼ 4.1%€22k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €25k after a loss of €13k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€756
Current assets
€88k
Equity and liabilities €89k
Equity
€77k▲ 39.2%
Debt
€12k▼ 45.7%
The debt ratio falls from 28.7% to 13.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
86.4%▲
2024 · 71.3%
ROE
28.1%▲
2024 · -27.4%
ROA
24.3%▲
2024 · -19.5%
Debt
€12k▼
2024 · €22k
Debt ≤ 1 year
€12k▼
2024 · €22k
Income taxes
€3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€77k€89k▲
Fixed assets21/28-€756
Tangible fixed assets22/27-€756
Furniture and vehicles24-€756
Current assets29/58€77k€88k▲
Amounts receivable within one year40/41€77k€80k▲
Trade receivables40€17k-
Other amounts receivable41€60k€80k▲
Cash at bank and in hand54/58€190€7k▲
Deferred charges and accrued income490/1-€902
Equity and liabilities
Total equity and liabilities10/49€77k€89k▲
Equity10/15€55k€77k▲
Contributions10/11€73k€73k=
Capital10€73k€73k=
Issued capital100€74k€74k=
Uncalled capital101€2k€2k=
Revaluation surpluses12€36k€36k=
Profit (loss) carried forward14€-54k€-32k▲
Amounts payable17/49€22k€12k▼
Amounts payable within one year42/48€22k€12k▼
Financial debts43€11k-
Credit institutions430/8€11k-
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€319
Gross operating margin9900€-13k€26k▲
Operating profit (loss)9901€-13k€25k▲
Financial income75/76B€385€310▼
Recurring financial income75€385€310▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-15k€24k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-15k€22k▲
Profit (loss) for the period to be appropriated9905€-15k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€-32k▲
Profit (loss) brought forward from the previous period14P€-39k€-54k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after 5 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 7.31
Current ratio from 3.49 to 7.31; short-term debt falls from €22k to €12k.
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
17-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Jette · 1 establishment unit since 1990
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Jean-Baptiste Depairelaan 2381090 JetteGround area
269 m²
Building footprint
56 m²
Volume, LiDAR
407 m³
Parcel 21010B0080/00R003, Brussels · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VIPA
since 19902.047.462.736
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21010B0080/00R003 | Brussels | 269 m² | 1 · 56 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,571 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-12-1989
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32475542580