Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 64 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VYPCO CONSULT from Herzele, company number BE0459657660, closed financial year 2025 with a result of € 3,806 after tax. For that financial year VYPCO CONSULT recorded a gross margin of € 860,222 and equity of € 302,814. Compared with financial year 2024, the result moved from € 28,427 to € 3,806. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 25, 2026.
€ 302,814
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,806
▼ 87% vs 2024
Profit after tax over the fiscal year.
€ 213,189
▼ 1% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 125,552.
People and assets in 2025
9
▲ 2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 631,815
€ 70,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 37,013
▼ 8% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2 million
▲ 20% vs 2024
€ 208,087 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 72,446
▲ 174% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 62,889
▲ 12% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 712,244 | € 855,295 | € 964,089 | € 860,222 | ▼ 11% |
| Profit after taxes | € -4,403 | € 98,793 | € 28,427 | € 3,806 | ▼ 87% |
| Equity | € 288,776 | € 163,569 | € 299,008 | € 302,814 | ▲ 1% |
| Total debts | € 577,135 | € 798,166 | € 1,770,847 | € 2,228,809 | ▲ 26% |
| Cash | € 87,018 | € 50,972 | € 214,327 | € 213,189 | ▼ 1% |
| Land & buildings | - | - | € 77,432 | € 70,229 | ▼ 9% |
| Retained profit | € 270,184 | € 144,969 | € 121,746 | € 125,552 | ▲ 3% |
| Dividend | € 0 | € 224,000 | € 0 | € 0 | |
| Bank debt | € 477,307 | € 457,392 | € 1,687,191 | € 2,020,515 | ▲ 20% |
| Balance sheet total | € 865,911 | € 961,735 | € 2,069,855 | € 2,531,623 | ▲ 22% |
| Employees (FTE) | 7.5 | 8.4 | 7 | 9 | ▲ 2 |
Key figures of VYPCO CONSULT, 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 VYPCO CONSULT?
What happened at VYPCO CONSULT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 3,806 (▼ 87% vs 2024). filed late Source: NBB ↗
- New establishment in Lede. KBO
- New establishment in Haaltert. KBO
- New establishment in Geraardsbergen. KBO
- JDB Consulting CommV CommV became a director. NBB
- Vypco Plus BV became a director. NBB
- Silta Insurance CommV became a director. NBB
- New establishment in Herzele. KBO
In short
From € 4,403 loss in 2022 to € 3,806 profit in 2025.
Paid € 47,423 in corporate taxes since 2022.
Best year ever: 2023, with € 98,793 profit.
On average € 95,600 of value added per employee in 2025.
A new publication or filing at VYPCO CONSULT? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of Vypco Plus comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
VYPCO CONSULTBehind VYPCO CONSULT are Vypco Plus BV, Silta Insurance CommV and JDB Consulting CommV CommV. The shares are held by Vypco Plus (42.7%). It owns 100% of Omnia itself.
Directors
According to the 2025 annual accounts
Director · represented by Filip Van Yperzele
since 2024
Director · represented by Jens De Cubber
since 2024
since 2024
Shareholders
42.7%
Participations
100%
Establishments
Establishment units
Physical locations of this company
Provincieweg 76 box 9
9552 Herzele
Katstraat 22
9340 Lede
Active since 25 September 2025
Kerkskenhoek (HA) 39
9450 Haaltert
Active since 25 September 2025
Stationsplein 23
9500 Geraardsbergen
Active since 25 September 2025
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 8 companies are registered at this address.
All companies at this address →Koninklijke Voetbalclub De Toekomst Borsbeke
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0459.657.660
- VAT number
- BE 0459.657.660
- Registered office
- Provincieweg 76 bus 9, 9552 Herzele
- Names & denominations
- VYPCO CONSULT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 December 1996
- Peppol
- Active · Active since 22 May 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Financiële lease