IMMO VICOLA
ActiveIMMO VICOLA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130k and a net result of €60k. Equity is growing by ~83.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 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
Solvency30▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.84 against 0.36 in 2024; short-term debt: 8.7% and cash: 0.9% of total assets), and 95.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
4.6%
Return on assets
2.1%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9195 sector peers (2025).
NBB · sector comparisonPosition among 9195 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-09-2025, 33 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
33 d early
2024
22 d early
2023
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€130k▲ 86.9%
2024 · €70k
2023: €14k
2024: €70k
2023 → 2025
Total assets
€2.85M▲ 1.7%
2024 · €2.80M
2023: €3.26M
2024: €2.80M
2023 → 2025
Net result
€60k▲ 8.2%
2024 · €56k
2023: €-26k
2024: €56k
2023 → 2025
Working capital
€-41k▲ 86.6%
2024 · €-307k
2023: €-314k
2024: €-307k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€14k-€70k▲ 409%€130k▲ 86.9%
Operating result€-3k-€101k€109k▲ 7.4%
Net result€-26k-€56k€60k▲ 8.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.85M
Fixed assets
€2.64M▲ 0.6%
Current assets
€208k▲ 18.2%
Equity and liabilities €2.85M
Equity
€130k▲ 86.9%
Debt
€2.72M▼ 0.5%
The debt ratio falls from 97.5% to 95.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€201k▲
2024 · €193k
Cash flow
€153k▲
2024 · €147k
Solvency
4.6%▲
2024 · 2.5%
Current ratio
0.84▲
2024 · 0.36
Quick ratio
0.84▲
2024 · 0.36
Debt / equity
20.90▼
2024 · 39.27
ROE
46.5%▼
2024 · 80.4%
ROA
2.1%▲
2024 · 2.0%
Interest coverage
4.63▲
2024 · 4.23
Debt
€2.72M▼
2024 · €2.73M
Debt ≤ 1 year
€249k▼
2024 · €482k
Debt > 1 year
€2.47M▲
2024 · €2.24M
Income taxes
€5k
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 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.80M€2.85M▲
Fixed assets21/28€2.63M€2.64M▲
Tangible fixed assets22/27€2.62M€2.63M▲
Land and buildings22€2.62M€2.63M▲
Financial fixed assets28€9k€9k=
Current assets29/58€176k€208k▲
Amounts receivable within one year40/41€112k€179k▲
Trade receivables40€112k€179k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€62k€27k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€2.80M€2.85M▲
Equity10/15€70k€130k▲
Contributions10/11€40k€40k=
Reserves13€30k€90k▲
Distributable reserves133€30k€90k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€2.73M€2.72M▼
Amounts payable after more than one year17€2.24M€2.47M▲
Financial debts170/4€2.24M€2.47M▲
Amounts payable within one year42/48€482k€249k▼
Current portion of amounts payable after more than one year42€107k€128k▲
Trade debts44€13k€11k▼
Suppliers440/4€13k€11k▼
Taxes, remuneration and social security45€11k€18k▲
Taxes450/3€11k€18k▲
Other amounts payable47/48€351k€92k▼
Accrued charges and deferred income492/3€13k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91k€92k▲
Other operating charges640/8€419€613▲
Gross operating margin9900€193k€202k▲
Operating profit (loss)9901€101k€109k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€46k€43k▼
Recurring financial charges65€46k€43k▼
Profit (loss) for the period before taxes9903€56k€65k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€56k€60k▲
Profit (loss) for the period to be appropriated9905€56k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€60k▲
Profit (loss) brought forward from the previous period14P€-26k€0▲
Transfer to equity691/2€30k€60k▲
To other reserves6921€30k€60k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 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
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2023net €60k ▲8.2%
Operating result €109k, net result €60k, both a record.
31-03
Financial
Equity above €100kEq €130k ▲86.9%
2 profitable years in a row build equity to €130k.
2024
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €56k
Net result €56k after one loss-making year.
2023
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 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, Kruisem · 1 establishment unit since 2022
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.
Beelkestraat (Nok) 39771 KruisemGround area
1,410 m²
Building footprint
158 m²
Volume, LiDAR
729 m³
Parcel 45031B0738/00C000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO VICOLA
since 20222.328.133.127
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45031B0738/00C000 | Flanders | 1,410 m² | 1 · 158 m² | 12.0 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
OSAKI
BE 0548.697.326
Zele · Eq €130k
MAMSYMO
BE 0460.232.435
Elsene · Eq €130k
BENEM
BE 0451.458.289
Aalter · Eq €130k
C.J-Y IMMO
BE 0674.900.462
Mettet · Eq €130k
C-HIVE
BE 0772.491.964
Antwerpen · Eq €130k
Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 3,982 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2022
Fiscal year end31-03
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.