FINVISION
ActiveFINVISION has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €11k. Equity is growing by ~12.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-39
Solvency98▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.94 against 2.86 in 2024), and 40% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60%
Return on assets
4.8%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
37 d early
2023
28 d late
2022
29 d late
2021
8 d late
2020
27 d late
2019
69 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€140k▲ 8.6%
2024 · €129k
2023: €108k
2024: €129k
2023 → 2025
Total assets
€233k▲ 2.0%
2024 · €228k
2023: €210k
2024: €228k
2023 → 2025
Net result
€11k▼ 45.5%
2024 · €20k
2023: €7k
2024: €20k
2023 → 2025
Working capital
€75k▲ 4.2%
2024 · €72k
2023: €52k
2024: €72k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€108k-€129k▲ 18.8%€140k▲ 8.6%
Operating result€15k-€37k▲ 140%€20k▼ 43.9%
Net result€7k-€20k▲ 202%€11k▼ 45.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€119k▲ 1.2%
Current assets
€113k▲ 2.8%
Equity and liabilities €233k
Equity
€140k▲ 8.6%
Debt
€93k▼ 6.6%
The debt ratio falls from 43.6% to 40.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€27k▼
2024 · €42k
Cash flow
€17k▼
2024 · €26k
Solvency
60.0%▲
2024 · 56.4%
Current ratio
2.94▲
2024 · 2.86
Quick ratio
2.94▲
2024 · 2.86
Debt / equity
0.67▼
2024 · 0.77
ROE
7.9%▼
2024 · 15.8%
ROA
4.8%▼
2024 · 8.9%
Interest coverage
7.38▼
2024 · 10.63
Debt
€93k▼
2024 · €99k
Debt ≤ 1 year
€38k=
2024 · €38k
Debt > 1 year
€54k▼
2024 · €61k
Income taxes
€6k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Total assets
20/58€233k
Fixed assets
21/28€119k
Tangible fixed assets
22/27€49k
Financial fixed assets
28€71k
Current assets
29/58€113k
Amounts receivable within one year
40/41€61k
Cash & bank
54/58€52k
Total equity & liabilities
10/49€233k
Equity
10/15€140k
Contributions / capital
10/11€6k
Reserves
13€133k
Amounts payable
17/49€93k
Amounts payable after one year
17€54k
Amounts payable within one year
42/48€38k
Trade debts payable within one year
44€2k
Income statement
Code2025
Gross operating margin
9900€28k
Operating result
9901€20k
Financial charges
65€4k
Result before taxes
9903€17k
Income taxes
67/77€6k
Net result for the period
9904€11k
Result to be appropriated
9905€11k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2023net €20k ▲202%
Operating result €37k, net result €20k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
18-12
State Gazette act
Capital & shares
Herbert HOUBEN
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 8 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2008
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-08-2026. Scores and ratios are computed by Checked and are not a credit decision.