VPJ · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

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.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 30-12-2025 passed on 30-07-2026, 17 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed more than 90 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: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-12. 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 30-12-2024, that is 30-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-12-2025	30-07-2026	nothing on record	not filed	-
30-12-2024	30-07-2025	04-03-2026	217 d late	2026-00049430
30-12-2023	30-07-2024	07-04-2026	616 d late	2026-00076057
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00420323
31-12-2021	31-07-2022	09-08-2023	374 d late	2023-00327980

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 2020, 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

1.4% Low

0%0,5%1,5%4%10%≥25%

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

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

Financials

Turnover€161k

EBIT margin0.6%

Net result€259

Working capital€-578+54.6%

CSV export

Annual accounts & ratios

Source: NBB · 2023

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

RevenueOperating resultNet result

Revenue

€161k

- 22-23

EBITDA

€1k

+2.6% 22-23

Net profit

€259

- 22-23

Cash flow

€695

+389.8% 22-23

Total assets

€50k

+53.8% 22-23

Equity

€580

+80.9% 22-23

Working capital

€-578

+54.6% 22-23

Income taxes

€97

- 22-23

Show 11 other metrics

Debt

€49k

+53.5% 22-23

Debt ≤ 1y

€49k

+53.5% 22-23

Current ratio

0.99

+2.9% 22-23

Quick ratio

0.98

+3.5% 22-23

Solvency

1.2%

+17.6% 22-23

Debt / equity

85.13

-15.1% 22-23

ROE

44.7%

- 22-23

ROA

0.5%

- 22-23

Net margin

0.0%

- 22-23

EBITDA margin

0.7%

- 22-23

Interest coverage

7.93

+595.3% 22-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	volledig
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 (22 line items)

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

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 2023 · computed

56 / 100 Fair

050100

Computed from 5 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 2023. Indicative, not credit advice.

Directors

Directors & mandates

2 directors

Current directors & mandates

Philippe Ponlot
Managing director
State Gazette act 25122138 (26-09-2025)

Current
11-03-2025 → present
2 events
- 11-03-2025 Appointed· Managing director
- 16-11-2023 Resigned· Director

Former directors (1)

Nicole Ponlot
Director (executive)
State Gazette act 23159915 (14-12-2023)

Former
16-11-2023 → 11-03-2025
3 events
- 11-03-2025 Resigned· Managing director
- 14-12-2023 Appointed· Director (executive)
- 16-11-2023 Appointed· Director

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Administratieve en ondersteunende activiteiten ten behoeve van kantoren(82100)
Legal form	Private limited company(610)
Incorporation	05-10-2020
Status	Active
Postal code	6041

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Chaussée de Fleurus 8A6041 Charleroi

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).

Parcels1

Ground area1,108 m²

Buildings1

Building footprint142 m²

Volume (LiDAR)2,003 m³

Tallest building17.1 m · ±5 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 1 (100%)