VESTIA
ActiveVESTIA has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €264k and a net result of €27k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+14
Solvency49▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.47 against 0.39 in 2024; short-term debt: 4.4% and cash: 1.3% of total assets), and 75.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
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
24.4%
Return on assets
2.5%
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 23-04-2026, 99 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
99 d early
2024
92 d early
2023
113 d early
2022
126 d early
2021
25 d early
2020
4 d early
2019
52 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€264k▲ 11.6%
2024 · €237k
2018: €-80k
2019: €-2k
2020: €215k
2021: €170k
2022: €202k
2023: €230k
2024: €237k
2018 → 2025
Total assets
€1.09M▼ 3.5%
2024 · €1.13M
2018: €453k
2019: €413k
2020: €947k
2021: €1.27M
2022: €1.25M
2023: €1.21M
2024: €1.13M
2018 → 2025
Net result
€27k▲ 319%
2024 · €7k
2018: €-62k
2019: €78k
2020: €217k
2021: €-45k
2022: €32k
2023: €28k
2024: €7k
2018 → 2025
Working capital
€-26k▲ 4.3%
2024 · €-27k
2018: €78k
2019: €62k
2020: €71k
2021: €97k
2022: €100k
2023: €106k
2024: €-27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€170k-€202k▲ 18.7%€230k▲ 13.9%€237k▲ 2.8%€264k▲ 11.6%
Operating result€-33k-€43k€38k▼ 10.8%€16k▼ 59.3%€36k▲ 129%
Net result€-45k-€32k€28k▼ 11.4%€7k▼ 76.8%€27k▲ 319%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 129% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€1.06M▼ 4.1%
Current assets
€23k▲ 30.2%
Equity and liabilities €1.09M
Equity
€264k▲ 11.6%
Provisions
€83k▼ 3.7%
Debt
€738k▼ 8.0%
The debt ratio falls from 71.3% to 68.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€81k▲
2024 · €57k
Cash flow
€73k▲
2024 · €48k
Solvency
24.4%▲
2024 · 21.1%
Current ratio
0.47▲
2024 · 0.39
Quick ratio
0.47▲
2024 · 0.39
Debt / equity
2.79▼
2024 · 3.38
ROE
10.4%▲
2024 · 2.8%
ROA
2.5%▲
2024 · 0.6%
Interest coverage
7.15▲
2024 · 4.68
Debt
€738k▼
2024 · €802k
Debt ≤ 1 year
€48k▲
2024 · €44k
Debt > 1 year
€681k▼
2024 · €749k
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€1.13M€1.09M▼
Fixed assets21/28€1.11M€1.06M▼
Tangible fixed assets22/27€1.11M€1.06M▼
Land and buildings22€1.06M€1.02M▼
Plant, machinery and equipment23€50k€44k▼
Current assets29/58€17k€23k▲
Amounts receivable within one year40/41€13k€9k▼
Trade receivables40€13k€8k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€4k€14k▲
Equity and liabilities
Total equity and liabilities10/49€1.13M€1.09M▼
Equity10/15€237k€264k▲
Contributions10/11€19k€19k=
Reserves13€258k€248k▼
Tax-exempt reserves132€258k€248k▼
Profit (loss) carried forward14€-39k€-2k▲
Provisions and deferred taxes16€86k€83k▼
Deferred taxes168€86k€83k▼
Amounts payable17/49€802k€738k▼
Amounts payable after more than one year17€749k€681k▼
Financial debts170/4€730k€675k▼
Other amounts payable178/9€19k€6k▼
Amounts payable within one year42/48€44k€48k▲
Current portion of amounts payable after more than one year42€38k€39k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€4k€4k▲
Taxes450/3€4k€4k▲
Accrued charges and deferred income492/3€9k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€45k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€58k€82k▲
Operating profit (loss)9901€16k€36k▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€3k€24k▲
Transfer from deferred taxes780€3k€3k=
Profit (loss) for the period9904€7k€27k▲
Transfer from tax-exempt reserves789€9k€9k=
Profit (loss) for the period to be appropriated9905€16k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-39k€-2k▲
Profit (loss) brought forward from the previous period14P€-55k€-39k▲
The notes to these accounts (14 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Equity above €200kEq €202k ▲18.7%
Equity rises from €170k to €202k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €217k ▲178%
Operating result €253k, net result €217k, both a record.
31-12
Financial
Equity above €200kEq €215k
2 profitable years in a row build equity to €215k.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €78k
Net result €78k after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
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
4 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, Antwerpen · 1 establishment unit since 1988
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.
Middelmolenlaan 202100 AntwerpenGround area
1,746 m²
Building footprint
1,223 m²
Volume, LiDAR
6,826 m³
2 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VESTIA
since 19882.033.218.483
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0285/00L005 | Flanders | 1,366 m² | 1 · 1,129 m² | 10.7 m · 2 fl. |
| 11442C2017/00C000 | Flanders | 380 m² | 1 · 94 m² | 8.1 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
IMMO BOBEL
BE 0821.671.261
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EYNE
BE 0475.059.874
Eupen · Eq €265k
TSV INVEST
BE 0640.758.343
Retie · Eq €265k
Newmo Westerlo
BE 0464.406.801
Stabroek · Eq €265k
HORECA GESTION ET CONSEILS
BE 0461.267.860
Chimay · Eq €265k
Of 12,018 companies in sector 68203 we hold annual accounts for 5,984. 4,365 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-1987
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.