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 41 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
VLC FINANCES from Huy, company number BE0834263049, closed financial year 2025 with a result of € 58,152 after tax. For that financial year VLC FINANCES recorded a gross margin of € 443,275 and equity of € 146,304. Compared with financial year 2024, the result moved from € 63,283 to € 58,152. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 146,304
▲ 66% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 58,152
▼ 8% vs 2024
Profit after tax over the fiscal year.
€ 33,552
▼ 14% 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 € 116,304.
People and assets in 2025
3.2
▲ 0.5 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 168,261
▲ 3% vs 2024
€ 52,600 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.
€ 100,323
▲ 2% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 411,813
▼ 8% vs 2024
€ 88,394 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 21,053
▲ 106% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 39,740
▼ 42% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 99,671 | € 283,892 | € 442,350 | € 443,275 | |
| Profit after taxes | € 5,119 | € 31,894 | € 63,283 | € 58,152 | ▼ 8% |
| Equity | € 40,474 | € 24,869 | € 88,152 | € 146,304 | ▲ 66% |
| Total debts | € 146,096 | € 582,084 | € 540,137 | € 502,821 | ▼ 7% |
| Cash | € 3,146 | € 19,846 | € 38,816 | € 33,552 | ▼ 14% |
| Retained profit | € 10,474 | € -5,131 | € 58,152 | € 116,304 | ▲ 100% |
| Dividend | € 0 | € 47,500 | € 0 | € 0 | |
| Bank debt | € 86,273 | € 451,174 | € 449,793 | € 411,813 | ▼ 8% |
| Balance sheet total | € 186,570 | € 606,952 | € 628,289 | € 649,125 | ▲ 3% |
| Employees (FTE) | 0.9 | 2.5 | 2.7 | 3.2 | ▲ 0.5 |
Key figures of VLC FINANCES, 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 VLC FINANCES?
What happened at VLC FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 58,152 (▼ 8% vs 2024). Source: NBB ↗
- New establishment in Huy. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,119 profit in 2022 to € 58,152 profit in 2025.
Paid € 80,370 in corporate taxes since 2022.
Best year ever: 2024, with € 63,283 profit.
On average € 138,500 of value added per employee in 2025.
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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 VLC FINANCES are Jean-François JAUMAIN and Stéphanie VACHALEC. The same people are also behind JAVA IMMO.
Establishments
Establishment units
Physical locations of this company
Avenue Delchambre 14
4500 Huy
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0834.263.049
- VAT number
- BE 0834.263.049
- Registered office
- Avenue Delchambre 14, 4500 Huy
- Names & denominations
- VLC FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 4 March 2011
- Peppol
- Active · Active since 5 Dec 2025
- Activities · NACE
Agenten en makelaars in bankdiensten