Skip to content

VLA

Active
Private limited company·Activiteiten van verzekeringsagenten en -makelaars· 2 yrs active
Avenue Louis Piedboeuf 40 ·4053 Chaudfontaine, Belgium
KBO/BCE: BE 1002.886.661
Watch Print / PDF
Age2 yrs
Connections2
Real estate2 parcels · 4,301 m²

Summary

Conclusion

the dossier summarised in one paragraph

VLA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (€-45k) and a net result of €-47k. Its solvency ranks better than 10% of 765 sector peers (fiscal year 2024). 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 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 765 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
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 administrative flags

Financials

Equity€-45k
Net result€-47k
Total assets€1.88M
Solvency-2.4%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -2.4% 38.9%
better than 10% of 765 sector peers
Net result €-47k €28k
better than 5% of 764 sector peers
Equity €-45k €63k
better than 5% of 765 sector peers
Gross operating margin €65k €67k
better than 49% of 762 sector peers
Total assets €1.88M €189k
better than 95% of 765 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€-47k
Cash flown/a
Staff costs-
Income taxes€334
Dividends-
Total assets€1.88M
Equity€-45k
Debt€1.92M
of which ≤ 1y€282k
of which > 1y€1.63M
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency-2.4%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-2.5%
ROE104.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.88M
Fixed assets 21/28€1.77M
Tangible fixed assets 22/27€1.77M
Current assets 29/58€107k
Amounts receivable within one year 40/41€46k
Cash & bank 54/58€55k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.88M
Equity 10/15€-45k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€-47k
Amounts payable 17/49€1.92M
Amounts payable after one year 17€1.63M
Amounts payable within one year 42/48€282k
Trade debts payable within one year 44€10k
Income statement
Gross operating margin 9900€65k
Operating result 9901€-32k
Financial income 75€2
Financial charges 65€15k
Result before taxes 9903€-47k
Income taxes 67/77€334
Net result for the period 9904€-47k
Result to be appropriated 9905€-47k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
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.

Structure & network

Connections & network

2 connected companies
Group structure
Howden Belgium
Subsidiary · 6 locations
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Establishment units

1 location
VLA
Route du Condroz 457, 4031 LiègeActiviteiten van verzekeringsagenten en -makelaars
since 20232.352.786.171
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area4,301 m²
Buildings2
Building footprint501 m²
Volume (LiDAR)3,358 m³
Tallest building10.9 m · ±2 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.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62002C0087/00B000 Wallonia 2,598 m² 1 · 243 m² 10.9 m · 2 fl.
62030C0177/00H000 Wallonia 1,703 m² 1 · 258 m² 9.6 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability100Solvency33Growth-Stability67
67 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 33
Growth -
Stability 67

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

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

Similar

Similar companies

Same sector, nearest first

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van holdings64210Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR VLA
Registered office
Avenue Louis Piedboeuf 40
4053 Chaudfontaine, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.