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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Tight liquidity NBB
Cash and receivables cover 38 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VIB Finassur from Waterloo, company number BE0698613893, closed financial year 2025 with a result of € 32,917 after tax. For that financial year VIB Finassur recorded a gross margin of € 53,260 and equity of € 221,454. Compared with financial year 2024, the result moved from € 29,243 to € 32,917. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on December 29, 2025.
€ 221,454
▲ 12% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 32,917
▲ 13% vs 2024
Profit after tax over the fiscal year.
€ 18,669
▼ 15% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 9,412 paid out
29 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 1,107
▼ 55% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 191,414
▼ 13% vs 2024
€ 38,887 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 781
▼ 70% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 12,363
▲ 13% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 85,557 | € 106,005 | € 50,419 | € 53,260 | ▲ 6% |
| Profit after taxes | € 56,216 | € 69,873 | € 29,243 | € 32,917 | ▲ 13% |
| Equity | € 136,479 | € 176,940 | € 197,948 | € 221,454 | ▲ 12% |
| Total debts | € 497,921 | € 428,219 | € 234,674 | € 207,187 | ▼ 12% |
| Cash | € 20,367 | € 196,742 | € 21,977 | € 18,669 | ▼ 15% |
| Retained profit | € 117,879 | € 158,340 | € 179,348 | € 202,854 | ▲ 13% |
| Dividend | € 0 | € 29,412 | € 8,235 | € 9,412 | ▲ 14% |
| Bank debt | € 467,978 | € 384,337 | € 220,284 | € 191,414 | ▼ 13% |
| Balance sheet total | € 634,400 | € 605,159 | € 432,622 | € 428,641 | ▼ 1% |
Key figures of VIB Finassur, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to VIB Finassur?
What happened at VIB Finassur in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 32,917 (▲ 13% vs 2024). Source: NBB ↗
- New establishment in Waterloo. KBO
- Virginie BILLEMONT became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 56,216 profit in 2022 to € 32,917 profit in 2025.
Paid € 72,160 in corporate taxes since 2022.
Best year ever: 2023, with € 69,873 profit.
Paid out € 47,059 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 VIB Finassur is Virginie BILLEMONT. It owns 33% of NIVELLES ASSURFINANCES itself.
Directors
According to the 2025 annual accounts
Virginie BILLEMONT
Director
since 2018
Establishments
Establishment units
Physical locations of this company
Avenue Alexandre Dumas 13
1410 Waterloo
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0698.613.893
- VAT number
- BE 0698.613.893
- Registered office
- Avenue Alexandre Dumas 13, 1410 Waterloo
- Names & denominations
- VIB Finassur
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 June 2018
- Peppol
- Active · Active since 26 Nov 2025
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