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 25 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VGA - Assurances et Placements from Chaumont-Gistoux, company number BE0672555042, closed financial year 2025 with a result of € 13,130 after tax. For that financial year VGA - Assurances et Placements recorded a gross margin of € 32,549 and equity of € 35,744. Compared with financial year 2024, the result moved from € 22,658 to € 13,130. The company is profitable. The buffer shrank hard: equity is 64 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on March 16, 2026.
€ 35,744
▼ 64% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 13,130
▼ 42% vs 2024
Profit after tax over the fiscal year.
€ 20,078
▲ 33% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 78,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 17,000
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 8,174
▼ 43% vs 2024
€ 6,119 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 2,135
▲ 82% vs 2024
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 | € 90,627 | € 73,730 | € 47,962 | € 32,549 | ▼ 32% |
| Profit after taxes | € 59,866 | € 40,178 | € 22,658 | € 13,130 | ▼ 42% |
| Equity | € 65,851 | € 81,029 | € 100,614 | € 35,744 | ▼ 64% |
| Total debts | € 84,726 | € 55,526 | € 25,467 | € 88,577 | ▲ 248% |
| Cash | € 20,616 | € 2,456 | € 15,137 | € 20,078 | ▲ 33% |
| Land & buildings | € 3,499 | € 2,916 | € 2,333 | € 1,749 | ▼ 25% |
| Retained profit | € 47,251 | € 62,429 | € 82,014 | € 17,144 | ▼ 79% |
| Dividend | € 41,176 | € 25,000 | € 3,073 | € 78,000 | ▲ € 74,927 |
| Bank debt | € 26,102 | € 20,196 | € 14,221 | € 8,174 | ▼ 43% |
| Balance sheet total | € 150,577 | € 136,555 | € 126,081 | € 124,320 | ▼ 1% |
Key figures of VGA - Assurances et Placements, 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 VGA - Assurances et Placements?
What happened at VGA - Assurances et Placements in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 13,130 (▼ 42% vs 2024). Source: NBB ↗
- New establishment in Chaumont-Gistoux. KBO
- Start of the company according to the CBE. KBO
In short
From € 59,866 profit in 2022 to € 13,130 profit in 2025.
Paid € 58,900 in corporate taxes since 2022.
Best year ever: 2022, with € 59,866 profit.
Paid out € 147,250 in dividends to the owners in total.
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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 VGA - Assurances et Placements is Valérie GOOSSENS.
Directors
According to the 2025 annual accounts
Valérie GOOSSENS
Director
Establishments
Establishment units
Physical locations of this company
Avenue des Deux Censes, Dion-V. 24
1325 Chaumont-Gistoux
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0672.555.042
- VAT number
- BE 0672.555.042
- Registered office
- Avenue des Deux Censes, Dion-V. 24, 1325 Chaumont-Gistoux
- Names & denominations
- VGA - Assurances et Placements · VGA - Assur
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 March 2017
- Peppol
- Active · Active since 4 Nov 2025