Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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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 3 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
V.Z.J. from Geel, company number BE0479222065, closed financial year 2025 with a result of € -148,787 after tax. For that financial year V.Z.J. recorded a gross margin of € 337,987 and equity of € -857,555. Compared with financial year 2024, the result moved from € -244,834 to € -148,787. 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.
€ -857,555
▼ € 148,787 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -148,787
▲ 39 % less loss than in 2024
Profit after tax over the fiscal year.
€ 56,444
▲ 194% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -3.6 million.
Debts at end 2025
€ 5.4 million
€ 1 million is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 57,121
▼ 12% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 39,193
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 | € 207,750 | € 396,134 | € 232,402 | € 337,987 | ▲ 45% |
| Profit after taxes | € -254,208 | € -75,010 | € -244,834 | € -148,787 | ▲ € 96,047 |
| Equity | € -388,924 | € -463,934 | € -708,768 | € -857,555 | ▼ € 148,787 |
| Total debts | € 9,543,743 | € 10,243,100 | € 10,468,600 | € 11,229,905 | ▲ 7% |
| Cash | € 99,475 | € 38,992 | € 19,189 | € 56,444 | ▲ 194% |
| Land & buildings | € 3,677,852 | € 3,555,054 | € 3,352,306 | € 3,940,356 | ▲ 18% |
| Retained profit | € -3,137,452 | € -3,212,462 | € -3,457,296 | € -3,606,082 | ▼ € 148,787 |
| Bank debt | € 5,440,052 | € 5,440,617 | € 5,440,617 | € 5,440,617 | |
| Balance sheet total | € 9,154,819 | € 9,779,166 | € 9,759,831 | € 10,372,351 | ▲ 6% |
Key figures of V.Z.J., 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.Z.J.?
What happened at V.Z.J. in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 148,787. filed late Source: NBB ↗
- Bénédicte Vander Elst became a director. NBB
- New establishment in Geel. KBO
- Start of the company according to the CBE. KBO
In short
From € 254,208 loss in 2022 to € 148,787 loss in 2025.
Management
Behind V.Z.J. is Bénédicte Vander Elst. Bénédicte Vander Elst is also behind BENELUC.
Directors
According to the 2025 annual accounts
since 2004
Establishments
Establishment units
Physical locations of this company
Stationsstraat 131
2440 Geel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0479.222.065
- VAT number
- BE 0479.222.065
- Registered office
- Stationsstraat 131, 2440 Geel
- Names & denominations
- V.Z.J.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 January 2003
- Peppol
- Active · Active since 15 Dec 2025
- Activities · NACE
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Handel in eigen onroerend goed