NIJF VISGROOTHANDEL
ActiveNIJF VISGROOTHANDEL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €22k. Equity is shrinking by ~17.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 14% of 7930 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency19▲+3
Growth58=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.16 in 2024), and 95.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
4.7%
Return on assets
2.6%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7930 sector peers (2025).
NBB · sector comparisonPosition among 7930 sector peers
Solvency
better than 14%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €40k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
7 d early
2022
3 d early
2021
67 d early
2020
2 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€40k▲ 125%
2024 · €18k
2019: €253k
2020: €257k
2021: €276k
2022: €279k
2023: €4k
2024: €18k
2019 → 2025
Total assets
€846k▼ 9.8%
2024 · €937k
2019: €1.41M
2020: €1.29M
2021: €1.55M
2022: €1.43M
2023: €931k
2024: €937k
2019 → 2025
Net result
€22k▲ 56.3%
2024 · €14k
2019: €6k
2020: €6k
2021: €22k
2022: €5k
2023: €-443k
2024: €14k
2019 → 2025
Working capital
€161k▲ 25.8%
2024 · €128k
2019: €240k
2020: €170k
2021: €175k
2022: €165k
2023: €51k
2024: €128k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€276k-€279k▲ 1.0%€4k▼ 98.7%€18k▲ 405%€40k▲ 125%
Operating result€31k-€3k▼ 90.3%€-454k€18k€37k▲ 112%
Net result€22k-€5k▼ 79.2%€-443k€14k€22k▲ 56.3%
Turnover and EBIT margin not published: the abbreviated 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 112% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €846k
Fixed assets
€19k▼ 40.0%
Current assets
€827k▼ 8.7%
Equity and liabilities €846k
Equity
€40k▲ 125%
Debt
€806k▼ 12.4%
The debt ratio falls from 98.1% to 95.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€50k▲
2024 · €48k
Cash flow
€35k▼
2024 · €44k
Solvency
4.7%▲
2024 · 1.9%
Current ratio
1.24▲
2024 · 1.16
Quick ratio
1.16▲
2024 · 1.10
Debt / equity
20.13▼
2024 · 51.76
ROE
55.6%▼
2024 · 80.2%
ROA
2.6%▲
2024 · 1.5%
Interest coverage
3.16▲
2024 · 2.60
Debt
€806k▼
2024 · €920k
Debt ≤ 1 year
€666k▼
2024 · €777k
Debt > 1 year
€140k▼
2024 · €142k
Staff costs
€377k▼
2024 · €476k
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€937k€846k▼
Fixed assets21/28€32k€19k▼
Tangible fixed assets22/27€20k€8k▼
Plant, machinery and equipment23€14k€8k▼
Furniture and vehicles24€6k-
Financial fixed assets28€12k€12k=
Current assets29/58€905k€827k▼
Amounts receivable after more than one year29€3k€3k=
Other amounts receivable291€3k€3k=
Stocks and contracts in progress3€48k€51k▲
Stocks30/36€48k€51k▲
Amounts receivable within one year40/41€651k€656k▲
Trade receivables40€651k€656k▲
Cash at bank and in hand54/58€194k€110k▼
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€937k€846k▼
Equity10/15€18k€40k▲
Contributions10/11€240k€240k=
Profit (loss) carried forward14€-222k€-200k▲
Amounts payable17/49€920k€806k▼
Amounts payable after more than one year17€142k€140k▼
Financial debts170/4€3k€521▼
Trade debts175€105k€105k=
Other amounts payable178/9€35k€35k=
Amounts payable within one year42/48€777k€666k▼
Current portion of amounts payable after more than one year42€2k€2k▲
Financial debts43€266k€261k▼
Credit institutions430/8€266k€261k▼
Trade debts44€457k€343k▼
Suppliers440/4€457k€343k▼
Taxes, remuneration and social security45€53k€56k▲
Taxes450/3€20k€18k▼
Remuneration and social security454/9€33k€38k▲
Other amounts payable47/48-€4k
Income statement
Code20242025
Non-recurring operating income76A€368-
Remuneration, social security and pensions62€476k€377k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€13k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€7k-
Other operating charges640/8€3k€2k▼
Gross operating margin9900€534k€429k▼
Operating profit (loss)9901€18k€37k▲
Financial income75/76B€15k€769▼
Recurring financial income75€15k€769▼
Financial charges65/66B€18k€16k▼
Recurring financial charges65€18k€16k▼
Profit (loss) for the period before taxes9903€14k€22k▲
Profit (loss) for the period9904€14k€22k▲
Profit (loss) for the period to be appropriated9905€14k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-222k€-200k▲
Profit (loss) brought forward from the previous period14P€-236k€-222k▲
Social balance
Average headcount (FTE)90878.97.0▼
The notes to these accounts (10 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2019net €22k ▲56.3%
Operating result €37k, net result €22k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-443k ▼9805%
Net result drops to €-443k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 acts for this company are 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, Nieuwpoort · 1 establishment unit since 2017
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.
Ambachtstraat 138620 NieuwpoortGround area
2,157 m²
Building footprint
675 m²
Volume, LiDAR
3,743 m³
Parcel 38021B0355/00K000, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
NIJF VISGROOTHANDEL
since 20172.268.702.811
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38021B0355/00K000 | Flanders | 2,157 m² | 1 · 675 m² | 7.9 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNieuwpoort2.268.702.811
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Of 225 companies in sector 46323 we hold annual accounts for 150. 81 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2008
Fiscal year end30-09
Activities, NACEBEL
46323Wholesale trade
10200Manufacture of food products
46391Wholesale trade
47230Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.