’t Vispunt
Active’t Vispunt has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €-22k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 26% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-9
Solvency42▼-7
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.64 against 0.8 in 2024; short-term debt: 33.8% and cash: 8.2% of total assets), and 83.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
16.6%
Return on assets
-6.6%
Age of the figures
18 mo
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 03-10-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
51 d early
2023
36 d early
2022
7 d early
2021
6 d early
2020
5 d early
2019
31 d early
← 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
€56k▼ 42.4%
2024 · €97k
2019: €80k
2020: €99k
2021: €105k
2022: €109k
2023: €93k
2024: €97k
2019 → 2025
Total assets
€335k▼ 15.4%
2024 · €396k
2019: €300k
2020: €285k
2021: €504k
2022: €492k
2023: €426k
2024: €396k
2019 → 2025
Net result
€-22k
2024 · €5k
2019: €1k
2020: €19k
2021: €16k
2022: €5k
2023: €-15k
2024: €5k
2019 → 2025
Working capital
€-40k▼ 58.4%
2024 · €-26k
2019: €10k
2020: €10k
2021: €-16k
2022: €-22k
2023: €-33k
2024: €-26k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€109k▲ 3.4%€93k▼ 14.9%€97k▲ 4.5%€56k▼ 42.4%
Operating result€24k-€21k▼ 16.0%€-9k€11k€-17k
Net result€16k-€5k▼ 68.9%€-15k€5k€-22k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €11k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €335k
Fixed assets
€262k▼ 11.6%
Current assets
€73k▼ 26.7%
Equity and liabilities €335k
Equity
€56k▼ 42.4%
Debt
€279k▼ 6.6%
The debt ratio rises from 75.6% to 83.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€40k▼
2024 · €66k
Cash flow
€35k▼
2024 · €60k
Solvency
16.6%▼
2024 · 24.4%
Current ratio
0.64▼
2024 · 0.80
Quick ratio
0.39▼
2024 · 0.55
Debt / equity
5.02▲
2024 · 3.10
ROE
-39.6%▼
2024 · 5.5%
ROA
-6.6%▼
2024 · 1.3%
Interest coverage
8.55▼
2024 · 14.90
Debt
€279k▼
2024 · €299k
Debt ≤ 1 year
€113k▼
2024 · €125k
Debt > 1 year
€166k▼
2024 · €174k
Income taxes
€257▼
2024 · €2k
Staff costs
€74k▲
2024 · €71k
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€396k€335k▼
Fixed assets21/28€297k€262k▼
Intangible fixed assets21€1k€700▼
Tangible fixed assets22/27€295k€261k▼
Land and buildings22€188k€179k▼
Plant, machinery and equipment23€77k€53k▼
Furniture and vehicles24€3k€20k▲
Leasing and similar rights25€9k€7k▼
Other tangible fixed assets26€18k€2k▼
Financial fixed assets28€450€450=
Current assets29/58€99k€73k▼
Stocks and contracts in progress3€31k€28k▼
Stocks30/36€31k€28k▼
Amounts receivable within one year40/41€18k€11k▼
Trade receivables40€15k€4k▼
Other amounts receivable41€3k€7k▲
Cash at bank and in hand54/58€46k€27k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€396k€335k▼
Equity10/15€97k€56k▼
Contributions10/11€20k€20k=
Reserves13€77k€58k▼
Distributable reserves133€77k€58k▼
Profit (loss) carried forward14-€-22k
Amounts payable17/49€299k€279k▼
Amounts payable after more than one year17€174k€166k▼
Financial debts170/4€174k€166k▼
Amounts payable within one year42/48€125k€113k▼
Current portion of amounts payable after more than one year42€47k€26k▼
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€66k€62k▼
Suppliers440/4€66k€62k▼
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€71€244▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€5k€23k▲
Income statement
Code20242025
Remuneration, social security and pensions62€71k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€57k▲
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€143k€118k▼
Operating profit (loss)9901€11k€-17k▼
Financial income75/76B€323€46▼
Recurring financial income75€323€46▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€7k€-22k▼
Income taxes67/77€2k€257▼
Profit (loss) for the period9904€5k€-22k▼
Profit (loss) for the period to be appropriated9905€5k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-22k▼
Profit (loss) brought forward from the previous period14P€-2-
Transfer from equity791/2€1k€19k▲
Transfer to equity691/2€5k-
To other reserves6921€5k-
Profit to be distributed694/7€1k€19k▲
Return on contributions (dividend)694€1k€19k▲
Social balance
Average headcount (FTE)90871.21.4▲
The notes to these accounts (16 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
03-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-22k ▼514%
Net result drops to €-22k, the lowest in the series.
2024
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €100kEq €105k ▲5.9%
3 profitable years in a row build equity to €105k.
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €19k ▲1501%
Operating result €29k, net result €19k, both a record.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-09
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
2 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, Poperinge · 1 establishment unit since 1998
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.
Hondstraat 68970 PoperingeGround area
418 m²
Building footprint
407 m²
Volume, LiDAR
2,744 m³
Parcel 33021F1113/00W000, Flanders · tallest building 14.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
't Vispunt
since 19982.087.688.438
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33021F1113/00W000 | Flanders | 418 m² | 1 · 406 m² | 14.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 634 EUR awarded · 634 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2024 | 1 | 176 EUR | 176 EUR |
| 2023 | 1 | 147 EUR | 147 EUR |
| 2022 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyPoperinge2.087.688.438
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Of 465 companies in sector 47230 we hold annual accounts for 269. 216 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-1998
Fiscal year end31-03
Activities, NACEBEL
47230Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.