VANICK
ActiveVANICK has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-645. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 62% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-12
Solvency74▲+10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 0.99 in 2024; short-term debt: 51.2% and cash: 14.5% of total assets), and 51.2% 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.
+raises risk○neutral
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
48.8%
Return on assets
-0.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-04-2026, 100 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
100 d early
2024
13 d early
2023
9 d early
2022
4 d early
2021
16 d late
2020
30 d late
2019
26 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2021 · €0
2019: €0
2021: €0
2019 → 2022
Total assets
€69k▼ 21.3%
2024 · €87k
2018: €163k
2019: €158k
2020: €163k
2021: €140k
2022: €142k
2023: €103k
2024: €87k
2018 → 2025
Net result
€-645
2024 · €8k
2018: €2k
2019: €-3k
2020: €9k
2021: €50k
2022: €2k
2023: €-32k
2024: €8k
2018 → 2025
Working capital
€10k
2024 · €-353
2018: €-28k
2019: €-36k
2020: €-32k
2021: €1k
2022: €18k
2023: €-5k
2024: €-353
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0
Equity€58k-€66k▲ 13.0%€36k▼ 44.8%€34k▼ 5.9%€34k▼ 1.9%
Operating result€61k-€5k▼ 91.8%€-27k€12k€54▼ 99.5%
Net result€50k-€2k▼ 95.6%€-32k€8k€-645
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 100% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€23k▼ 33.1%
Current assets
€46k▼ 13.5%
Equity and liabilities €69k
Equity
€34k▼ 1.9%
Debt
€35k▼ 33.7%
The debt ratio falls from 60.8% to 51.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €23k
Cash flow
€11k▼
2024 · €20k
Solvency
48.8%▲
2024 · 39.2%
Current ratio
1.30▲
2024 · 0.99
Quick ratio
0.41▼
2024 · 0.42
Debt / equity
1.05▼
2024 · 1.55
ROE
-1.9%▼
2024 · 23.9%
ROA
-0.9%▼
2024 · 9.4%
Interest coverage
10.81▼
2024 · 12.55
Debt
€35k▼
2024 · €53k
Debt ≤ 1 year
€35k▼
2024 · €53k
Income taxes
€-341▼
2024 · €2k
Staff costs
€19k▲
2024 · €17k
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€87k€69k▼
Fixed assets21/28€35k€23k▼
Intangible fixed assets21€33k€22k▼
Tangible fixed assets22/27€1k€872▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€1k€872▼
Other tangible fixed assets26€0€0=
Financial fixed assets28€260€260=
Current assets29/58€53k€46k▼
Stocks and contracts in progress3€30k€31k▲
Stocks30/36€30k€31k▲
Amounts receivable within one year40/41€13k€1k▼
Trade receivables40€0€1k▲
Other amounts receivable41€13k€0▼
Cash at bank and in hand54/58€8k€10k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€87k€69k▼
Equity10/15€34k€34k▼
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€14k€14k▼
Amounts payable17/49€53k€35k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€53k€35k▼
Current portion of amounts payable after more than one year42€6k€2k▼
Trade debts44€22k€28k▲
Suppliers440/4€22k€28k▲
Taxes, remuneration and social security45€16k€6k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€13k€4k▼
Other amounts payable47/48€9k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€17k€19k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€44k€34k▼
Operating profit (loss)9901€12k€54▼
Financial income75/76B€287€25▼
Recurring financial income75€287€25▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€10k€-986▼
Income taxes67/77€2k€-341▼
Profit (loss) for the period9904€8k€-645▼
Profit (loss) for the period to be appropriated9905€8k€-645▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€14k▼
Profit (loss) brought forward from the previous period14P€17k€14k▼
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
The notes to these accounts (8 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-32k ▼1538%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Highest result since 2018net €50k ▲431%
Operating result €61k, net result €50k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
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, Liège · 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.
Au Pèrî 444000 LiègeGround area
179 m²
Building footprint
47 m²
Parcel 62810C0479/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
La librairie du boulevard
since 20172.265.555.655
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810C0479/00M000 | Wallonia | 179 m² | 1 · 47 m² | - |
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 siteLiège2.265.555.655
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Of 2,347 companies in sector 47621 we hold annual accounts for 1,246. 1,056 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2017
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.