VYPA
ActiveVYPA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.08M and a net result of €-11k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-9
Solvency74▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.06 in 2024; short-term debt: 49.3% and cash: 1.4% of total assets), and 51.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 27-06-2025 was due by 27-01-2026 and was filed on 22-12-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
3 d late
2022
3 d late
2021
3 d late
2020
1 d late
2019
2 d late
2018
1 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 27-06-2026 and is due by 27-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-06-2026 close17-09-2026 today27-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.08M▼ 1.0%
2024 · €1.09M
2019: €736k
2020: €885k
2021: €1.04M
2022: €1.09M
2024: €1.09M
2019 → 2025
Total assets
€2.21M▲ 1.7%
2024 · €2.18M
2019: €2.12M
2020: €2.07M
2021: €2.23M
2022: €2.26M
2024: €2.18M
2019 → 2025
Net result
€-11k▼ 3,673%
2024 · €-289
2019: €-44k
2020: €166k
2021: €171k
2022: €47k
2024: €-289
2019 → 2025
Working capital
€-1.01M▼ 4.5%
2024 · €-970k
2019: €-790k
2020: €-619k
2021: €-523k
2022: €-559k
2024: €-970k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€885k-€1.04M▲ 17.5%€1.09M▲ 4.5%€1.09M=€1.08M▼ 1.0%
Operating result€240k-€260k▲ 8.6%€104k▼ 59.8%€21k▼ 80.1%€-38k
Net result€166k-€171k▲ 2.6%€47k▼ 72.6%€-289€-11k▼ 3,673%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €38k after €21k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.21M
Fixed assets
€2.14M▲ 1.2%
Current assets
€77k▲ 18.5%
Equity and liabilities €2.21M
Equity
€1.08M▼ 1.0%
Debt
€1.14M▲ 4.5%
The debt ratio rises from 50.0% to 51.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-36k▼
2024 · €22k
Cash flow
€-9k▼
2024 · €498
Solvency
48.6%▼
2024 · 50.0%
Current ratio
0.07▲
2024 · 0.06
Quick ratio
0.07▲
2024 · 0.06
Debt / equity
1.06▲
2024 · 1.00
ROE
-1.0%▼
2024 · 0.0%
ROA
-0.5%▼
2024 · 0.0%
Interest coverage
-68.70▼
2024 · 1.04
Debt
€1.14M▲
2024 · €1.09M
Debt ≤ 1 year
€1.09M▲
2024 · €1.03M
Income taxes
€0▼
2024 · €388
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€2.18M€2.21M▲
Fixed assets21/28€2.11M€2.14M▲
Tangible fixed assets22/27€2.11M€2.14M▲
Land and buildings22€2.11M€2.13M▲
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€141€141=
Current assets29/58€65k€77k▲
Amounts receivable within one year40/41€29k€44k▲
Trade receivables40€2k€16k▲
Other amounts receivable41€27k€28k▲
Cash at bank and in hand54/58€34k€31k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.18M€2.21M▲
Equity10/15€1.09M€1.08M▼
Contributions10/11€6k€6k=
Reserves13€1.08M€1.07M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.08M€1.07M▼
Amounts payable17/49€1.09M€1.14M▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€1.03M€1.09M▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€4k€0▼
Suppliers440/4€4k€0▼
Taxes, remuneration and social security45€189€552▲
Taxes450/3€189€552▲
Other amounts payable47/48€1.03M€1.09M▲
Accrued charges and deferred income492/3€53k€46k▼
Income statement
Code20242025
Non-recurring operating income76A€15k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€787€1k▲
Other operating charges640/8€12k€11k▼
Gross operating margin9900€34k€-25k▼
Operating profit (loss)9901€21k€-38k▼
Financial income75/76B-€27k
Recurring financial income75-€27k
Financial charges65/66B€21k€525▼
Recurring financial charges65€21k€525▼
Profit (loss) for the period before taxes9903€99€-11k▼
Income taxes67/77€388€0▼
Profit (loss) for the period9904€-289€-11k▼
Profit (loss) for the period to be appropriated9905€-289€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-289€-11k▼
Transfer from equity791/2€289€11k▲
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (9 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
28-06
Financial
Highest result since 2019net €171k ▲2.6%
Operating result €260k, net result €171k, both a record.
28-06
Financial
Equity above €1MEq €1.04M ▲17.5%
2 profitable years in a row build equity to €1.04M.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
28-06
Financial
Back to profitnet €166k
Net result €166k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 2 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
2016
05-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
13-01
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Brussel · 1 establishment unit since 2006
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.
Koloniënstraat 111000 BrusselGround area
3,406 m²
Building footprint
3,354 m²
Volume, LiDAR
88,937 m³
Parcel 21804D1424/00E002, Brussels · tallest building 35.3 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
VYPA
since 20062.157.060.165
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21804D1424/00E002 | Brussels | 3,406 m² | 1 · 3,354 m² | 35.3 m · 9 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 82,524 companies in sector 70200 we hold annual accounts for 52,566. 27,051 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2006
Fiscal year end27-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.