HOLOS by Vanessa
ActiveSummary
HOLOS by Vanessa has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €1k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 17% of 348 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+3
Solvency31▲+3
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 348 sector peers (2025).
NBB · sector comparisonPosition among 348 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 4 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
23 d late
2022
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 28.7%
2024 · €4k
2022: €5k
2023: €3k
2024: €4k
2022 → 2025
Total assets
€87k▼ 27.8%
2024 · €120k
2022: €107k
2023: €107k
2024: €120k
2022 → 2025
Net result
€1k▼ 0.8%
2024 · €1k
2022: €266
2023: €-2k
2024: €1k
2022 → 2025
Working capital
€-2k
2024 · €1k
2022: €-3k
2023: €-5k
2024: €1k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€3k▼ 43.8%€4k▲ 40.8%€5k▲ 28.7%
Operating result€2k-€697▼ 71.3%€4k▲ 476%€4k▲ 1.2%
Net result€266-€-2k€1k€1k▼ 0.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€66k ▼ 10.4%
Current assets
€21k ▼ 55.1%
Equity and liabilities €87k
Equity
€5k ▲ 28.7%
Debt
€81k ▼ 29.8%
Debt's share of the balance-sheet total falls from 96.5% to 93.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €12k
Cash flow
€9k▼
2024 · €10k
Current ratio
0.93▼
2024 · 1.02
Quick ratio
0.70▼
2024 · 0.93
Debt to equity
15.15▼
2024 · 27.79
ROE
22.3%▼
2024 · 29.0%
ROA
1.4%▲
2024 · 1.0%
Interest coverage
4.76▲
2024 · 4.39
Debt ≤ 1 year
€22k▼
2024 · €45k
Debt > 1 year
€59k▼
2024 · €71k
Income taxes
€312
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€120k€87k▼
Formation expenses20€867€434▼
Fixed assets21/28€73k€66k▼
Tangible fixed assets22/27€73k€66k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€18-
Leasing and similar rights25€5k€3k▼
Other tangible fixed assets26€64k€60k▼
Current assets29/58€46k€21k▼
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€18k€7k▼
Trade receivables40€18k€7k▼
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€18k€4k▼
Equity and liabilities
Total equity and liabilities10/49€120k€87k▼
Equity10/15€4k€5k▲
Contributions10/11€5k€5k=
Reserves13€266€365▲
Distributable reserves133€266€365▲
Profit (loss) carried forward14€-1k-
Amounts payable17/49€116k€81k▼
Amounts payable after more than one year17€71k€59k▼
Financial debts170/4€71k€59k▼
Amounts payable within one year42/48€45k€22k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€4k€558▼
Suppliers440/4€4k€558▼
Advances received on contracts in progress46€22k€4k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€2k€3k▲
Remuneration and social security454/9€6k€1k▼
Other amounts payable47/48€4k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€511€62▼
Gross operating margin9900€13k€12k▼
Operating profit (loss)9901€4k€4k▲
Financial income75/76B€5-
Recurring financial income75€5-
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77-€312
Profit (loss) for the period9904€1k€1k▼
Profit (loss) for the period to be appropriated9905€1k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€99▲
Profit (loss) brought forward from the previous period14P€-2k€-1k▲
Transfer to equity691/2-€99
To other reserves6921-€99
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €-2k ▼967%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tongeren-Borgloon · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kruisvindingsstraat 623700 Tongeren-BorgloonGround area
3,083 m²
Building footprint
539 m²
Volume, LiDAR
3,317 m³
Parcel 73046B0330/00D000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOLOS by Vanessa
since 20212.324.777.125
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73046B0330/00D000 | Flanders | 3,083 m² | 1 · 539 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Terremoi
BE 0804.368.243
Namur · Eq €6k
STUDIO PRIMITIVES
BE 0778.800.627
Chastre · Eq €4k
SARA MINNER
BE 0754.834.303
Grimbergen · Eq €7k
and room for a pony
BE 1032.160.865
Roeselare · Eq €9k
Azalea Studio
BE 1013.724.630
Brussel · Eq €19k
Of 674 companies in sector 23410 we hold annual accounts for 47. 26 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
23410Manufacture of ceramic household and ornamental articles
47559Retail sale of other household articles
55204Guest rooms (bed and breakfast)
85599Other education
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.