VENI VIDI BIBI
ActiveVENI VIDI BIBI has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175k and a net result of €-65k. Equity is shrinking by ~24.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 43% of 8388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency57▼-5
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity short (current ratio 0.33 against 0.32 in 2024), and 54.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year -€65k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
241 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€175k▼ 27.2%
2024 · €240k
2021: €495k
2022: €404k
2023: €330k
2024: €240k
2021 → 2025
Total assets
€384k▼ 18.0%
2024 · €468k
2021: €702k
2022: €624k
2023: €543k
2024: €468k
2021 → 2025
Net result
€-65k▲ 27.6%
2024 · €-90k
2021: €-68k
2022: €-91k
2023: €-73k
2024: €-90k
2021 → 2025
Working capital
€-139k▲ 10.0%
2024 · €-155k
2021: €-109k
2022: €-130k
2023: €-135k
2024: €-155k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€495k-€404k▼ 18.5%€330k▼ 18.2%€240k▼ 27.3%€175k▼ 27.2%
Operating result€-60k-€-83k▼ 37.4%€-73k▲ 12.2%€-90k▼ 24.1%€-65k▲ 28.0%
Net result€-68k-€-91k▼ 34.4%€-73k▲ 19.9%€-90k▼ 23.1%€-65k▲ 27.6%
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 stays negative: a loss of €65k in 2025 against €90k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €384k
Fixed assets
€314k▼ 20.5%
Current assets
€70k▼ 4.5%
Equity and liabilities €384k
Equity
€175k▼ 27.2%
Debt
€209k▼ 8.2%
The debt ratio rises from 48.7% to 54.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€16k▲
2024 · €-9k
Cash flow
€16k▲
2024 · €-9k
Solvency
45.5%▼
2024 · 51.3%
Current ratio
0.33▲
2024 · 0.32
Quick ratio
0.24▲
2024 · 0.23
Debt / equity
1.20▲
2024 · 0.95
ROE
-37.3%▲
2024 · -37.6%
ROA
-17.0%▲
2024 · -19.3%
Interest coverage
53.66▲
2024 · -86.88
Debt
€209k▼
2024 · €228k
Debt ≤ 1 year
€209k▼
2024 · €228k
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
Total assets
20/58€468k€384k▼
Fixed assets
21/28€395k€314k▼
Intangible fixed assets
21€249k€187k▼
Tangible fixed assets
22/27€144k€125k▼
Financial fixed assets
28€2k€2k=
Current assets
29/58€73k€70k▼
Stocks & contracts in progress
3€20k€20k=
Amounts receivable within one year
40/41€50k€49k▼
Cash & bank
54/58€2k€1k▼
Total equity & liabilities
10/49€468k€384k▼
Equity
10/15€240k€175k▼
Contributions / capital
10/11€62k€62k=
Reserves
13€606k€606k=
Accumulated profits (losses)
14€-428k€-493k▼
Amounts payable
17/49€228k€209k▼
Amounts payable within one year
42/48€228k€209k▼
Trade debts payable within one year
44€8k€3k▼
Income statement
Code20242025
Gross operating margin
9900€-1k€16k▲
Operating result
9901€-90k€-65k▲
Financial income
75€99-
Financial charges
65€104€295▲
Result before taxes
9903€-90k€-65k▲
Net result for the period
9904€-90k€-65k▲
Result to be appropriated
9905€-90k€-65k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-91k
Net result drops to €-91k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
29-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 241 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 428 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,137 companies in sector 70200 we hold annual accounts for 51,755. 40,221 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-09-1994
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 26-08-2026. Scores and ratios are computed by Checked and are not a credit decision.