Vanessa Moretti
ActiveVanessa Moretti has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €44k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.1 against 4.22 in 2024), and 40.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
59.3%
Return on assets
17.7%
Age of the figures
11 mo
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 31-03-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
5 d early
2023
5 d early
2022
19 d early
2021
5 d early
2020
4 d early
2019
6 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
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€148k▼ 22.2%
2024 · €191k
2018: €49k
2019: €84k
2020: €121k
2021: €152k
2022: €171k
2023: €177k
2024: €191k
2018 → 2025
Total assets
€250k▲ 6.6%
2024 · €235k
2018: €101k
2019: €117k
2020: €147k
2021: €178k
2022: €199k
2023: €231k
2024: €235k
2018 → 2025
Net result
€44k▼ 8.9%
2024 · €49k
2018: €43k
2019: €35k
2020: €37k
2021: €45k
2022: €39k
2023: €47k
2024: €49k
2018 → 2025
Working capital
€112k▼ 21.4%
2024 · €142k
2018: €41k
2019: €75k
2020: €91k
2021: €124k
2022: €147k
2023: €158k
2024: €142k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€152k-€171k▲ 12.6%€177k▲ 3.8%€191k▲ 7.7%€148k▼ 22.2%
Operating result€62k-€52k▼ 16.0%€66k▲ 26.9%€68k▲ 2.2%€62k▼ 8.4%
Net result€45k-€39k▼ 13.9%€47k▲ 20.6%€49k▲ 3.1%€44k▼ 8.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€36k▼ 24.7%
Current assets
€214k▲ 14.6%
Equity and liabilities €250k
Equity
€148k▼ 22.2%
Debt
€102k▲ 131%
The debt ratio rises from 18.8% to 40.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€75k▼
2024 · €79k
Cash flow
€57k▼
2024 · €60k
Solvency
59.3%▼
2024 · 81.2%
Current ratio
2.10▼
2024 · 4.22
Quick ratio
2.10▼
2024 · 4.22
Debt / equity
0.69▲
2024 · 0.23
ROE
29.9%▲
2024 · 25.5%
ROA
17.7%▼
2024 · 20.7%
Interest coverage
1065.05▲
2024 · 496.19
Debt
€102k▲
2024 · €44k
Debt ≤ 1 year
€102k▲
2024 · €44k
Income taxes
€18k▼
2024 · €20k
Staff costs
€299
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€235k€250k▲
Fixed assets21/28€48k€36k▼
Tangible fixed assets22/27€48k€36k▼
Land and buildings22€12k€10k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€32k€24k▼
Current assets29/58€187k€214k▲
Amounts receivable within one year40/41€20k€78▼
Trade receivables40€12k-
Other amounts receivable41€8k€78▼
Current investments50/53€99k€111k▲
Cash at bank and in hand54/58€68k€103k▲
Equity and liabilities
Total equity and liabilities10/49€235k€250k▲
Equity10/15€191k€148k▼
Contributions10/11€6k€6k=
Reserves13€185k€142k▼
Distributable reserves133€185k€142k▼
Amounts payable17/49€44k€102k▲
Amounts payable within one year42/48€44k€102k▲
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€7€4k▲
Taxes450/3€7€4k▲
Other amounts payable47/48€35k€91k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€299
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€194€337▲
Gross operating margin9900€79k€75k▼
Operating profit (loss)9901€68k€62k▼
Financial income75/76B€973€673▼
Recurring financial income75€973€673▼
Financial charges65/66B€159€70▼
Recurring financial charges65€159€70▼
Profit (loss) for the period before taxes9903€69k€63k▼
Income taxes67/77€20k€18k▼
Profit (loss) for the period9904€49k€44k▼
Profit (loss) for the period to be appropriated9905€49k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€44k▼
Transfer from equity791/2€35k€87k▲
Transfer to equity691/2€49k€44k▼
To other reserves6921€49k€44k▼
Profit to be distributed694/7€35k€87k▲
Return on contributions (dividend)694€35k€87k▲
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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €49k ▲3.1%
Net result €49k, the highest in the series.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €150kEq €152k ▲25.1%
4 profitable years in a row build equity to €152k.
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100kEq €121k ▲44.3%
3 profitable years in a row build equity to €121k.
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €35k ▼17.5%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
10-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Vanessa Moretti
CurrentDirector · since 21-04-2023
21-04-2023
Appointed as Director
21-04-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Liedekerke · 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.
Zilverberkenlaan 271770 LiedekerkeGround area
1,252 m²
Building footprint
138 m²
Volume, LiDAR
791 m³
Parcel 23762E0003/00S005, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vanessa Moretti
since 20172.262.000.111
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23762E0003/00S005 | Flanders | 1,252 m² | 1 · 138 m² | 9.6 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
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SOLICOM
BE 0471.853.233
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XC-IT
BE 0651.634.518
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WE-R SRL
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Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 6,822 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2017
Fiscal year end30-09
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
47400Retail sale of information and communication equipment
47410Retail trade
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.