Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 64 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
13 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
Vooruitzicht en Voorzorg from Brussel, company number BE0408355845, closed financial year 2025 with a result of € -26,590 after tax. For that financial year Vooruitzicht en Voorzorg recorded a gross margin of € 2.4 million and equity of € -12.9 million. Compared with financial year 2024, the result moved from € -636,264 to € -26,590. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ -12.9 million
▼ € 102,394 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -26,590
▲ 96 % less loss than in 2024
Profit after tax over the fiscal year.
€ 74,881
▲ 33% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -14.7 million.
People and assets in 2025
€ 264,716
▼ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 40.2 million
▼ 2% vs 2024
€ 1 million is repaid this year. At this pace the long-term loan is gone in ≈ 40 years.
€ 238,346
▲ 7% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 74,443
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,458,711 | € 1,512,819 | € 1,650,589 | € 2,410,222 | ▲ 46% |
| Profit after taxes | € -1,088,228 | € -791,381 | € -636,264 | € -26,590 | ▲ € 609,674 |
| Equity | € -11,196,274 | € -12,072,922 | € -12,784,990 | € -12,887,385 | ▼ € 102,394 |
| Total debts | € 39,563,350 | € 38,646,917 | € 41,333,399 | € 40,691,332 | ▼ 2% |
| Cash | € 161,242 | € 132,456 | € 56,194 | € 74,881 | ▲ 33% |
| Land & buildings | € 22,661,659 | € 21,875,451 | € 21,067,394 | € 20,259,337 | ▼ 4% |
| Retained profit | € -13,215,601 | € -14,006,982 | € -14,643,246 | € -14,669,836 | |
| Bank debt | € 39,195,046 | € 38,429,535 | € 40,959,736 | € 40,222,336 | ▼ 2% |
| Balance sheet total | € 28,367,076 | € 26,573,995 | € 28,548,409 | € 27,803,948 | ▼ 3% |
Key figures of Vooruitzicht en Voorzorg, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Vooruitzicht en Voorzorg?
What happened at Vooruitzicht en Voorzorg in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 26,590. filed late Source: NBB ↗
- Start of the company according to the CBE. KBO
In short
From € 1.1 million loss in 2022 to € 26,590 loss in 2025.
Paid € 496 in corporate taxes since 2022.
Management
Behind Vooruitzicht en Voorzorg are Patrick Vandenberghe, Pierre Cuppens, Walter Notredame, Koen De Kinder, Dirk Coninckx and Luca Baldan. Patrick Vandenberghe is also behind Vayamundo Oostende, VAYAMUNDO HOUFFALIZE, INCOFIN CVSO, VACA and VACA Immo Houffalize. Pierre Cuppens is also behind Vayamundo Oostende, VAYAMUNDO HOUFFALIZE, VACA and VACA Immo Houffalize. Walter Notredame is also behind Sint-Donatusinstellingen Merchtem and VORMINGSINSTELLING VOOR ARBEIDERS. Koen De Kinder is also behind Vayamundo Oostende, VAYAMUNDO HOUFFALIZE, VACA, VACA Immo Houffalize and Co-Valent.
Directors
According to the 2025 annual accounts
Patrick Vandenberghe
Chairman of the board
Also active at: Vayamundo Oostende, VAYAMUNDO HOUFFALIZE, INCOFIN CVSO, VACA, VACA Immo Houffalize, VACA Immo Oostende
Pierre Cuppens
Vice-chairman of the board
Also active at: Vayamundo Oostende, VAYAMUNDO HOUFFALIZE, VACA, VACA Immo Houffalize
Walter Notredame
Penningmeester
Also active at: Sint-Donatusinstellingen Merchtem, VORMINGSINSTELLING VOOR ARBEIDERS
Koen De Kinder
Secretaris
Also active at: Vayamundo Oostende, VAYAMUNDO HOUFFALIZE, VACA, VACA Immo Houffalize, Co-Valent
Dirk Coninckx
Director
Also active at: Vayamundo Oostende, VAYAMUNDO HOUFFALIZE, VORMINGSINSTELLING VOOR ARBEIDERS, VACA, VACA Immo Houffalize, VACA Immo Oostende, De Vormers
Luca Baldan
Director
Establishments
Establishment units
Physical locations of this company
Koningsstraat 45
1000 Brussel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 13 companies are registered at this address.
All companies at this address →Sociaal Fonds van de Scheikundige Nijverheid - Fonds Social de l'Industrie Chimique
FEDERATION EUROPEENNE DES TRAVAILLEURS DU BATIMENT ET DU BOIS - EUROPESE FEDERATIE VAN BOUW- EN HOUTARBEIDERS
Vormingsinstituut Laborem Exercens
FBZ voor de Orthopedische Technologieën – FSE pour les technologies orthopédiques
VACA Immo Houffalize same network
€ 1.1 million revenue · 2025
+8 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0408.355.845
- VAT number
- BE 0408.355.845
- Registered office
- Koningsstraat 45, 1000 Brussel
- Names & denominations
- Vooruitzicht en Voorzorg · V&V
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 1 January 1926
- Peppol
- Active · Active since 6 Jan 2026