Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 21 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
V.I.P. FINANCE from Malmedy, company number BE0471759401, closed financial year 2025 with a result of € -5,092 after tax. For that financial year V.I.P. FINANCE recorded a gross margin of € 10,333 and equity of € 148,318. Compared with financial year 2024, the result moved from € -10,701 to € -5,092. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 18, 2026.
€ 148,318
▼ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,092
▲ 52 % less loss than in 2024
Profit after tax over the fiscal year.
€ 11,413
▲ 275% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 142,120.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 1,399
▼ 46% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 66
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 14,841 | € 7,920 | € 4,864 | € 10,333 | ▲ 112% |
| Profit after taxes | € 3,595 | € -7,116 | € -10,701 | € -5,092 | ▲ € 5,609 |
| Equity | € 171,227 | € 164,111 | € 153,410 | € 148,318 | ▼ 3% |
| Total debts | € 44,179 | € 56,477 | € 54,500 | € 54,566 | |
| Cash | € 3,267 | € 2,559 | € 3,042 | € 11,413 | ▲ 275% |
| Land & buildings | € 193,741 | € 210,805 | € 202,083 | € 193,768 | ▼ 4% |
| Retained profit | € 165,029 | € 157,913 | € 147,212 | € 142,120 | ▼ 3% |
| Balance sheet total | € 242,845 | € 246,884 | € 233,064 | € 226,895 | ▼ 3% |
Key figures of V.I.P. FINANCE, 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 V.I.P. FINANCE?
What happened at V.I.P. FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,092. Source: NBB ↗
- Virginie Pirotte became a director. NBB
- New establishment in Waimes. KBO
- New establishment in Malmedy. KBO
- Start of the company according to the CBE. KBO
In short
From € 3,595 profit in 2022 to € 5,092 loss in 2025.
Best year ever: 2022, with € 3,595 profit.
A new publication or filing at V.I.P. FINANCE? 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
Behind V.I.P. FINANCE is Virginie Pirotte.
Directors
According to the 2025 annual accounts
Virginie Pirotte
Director
since 2020
Establishments
Establishment units
Physical locations of this company
Rue des Cassis 3
4960 Malmedy
Rue du Camp,Sourbrodt 2
4950 Waimes
Active since 26 August 2011
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0471.759.401
- VAT number
- BE 0471.759.401
- Registered office
- Rue des Cassis 3, 4960 Malmedy
- Names & denominations
- V.I.P. FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 April 2000
- Peppol
- Active · Active since 20 Nov 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Verhuur van overige machines en werktuigen, n.e.g.
Administratieve en ondersteunende activiteiten ten behoeve van kantoren
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Algemene bouw van residentiële gebouwen
Verhuur en lease van andere machines en werktuigen en andere materiële goederen
Beroepsopleiding
Activiteiten van verzekeringsagenten en -makelaars
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