VIA SPA
ActiveThe computed 12-month bankruptcy probability of VIA SPA is 2.4% (moderate). The 2024 annual accounts show equity of €374k and a net result of €103k. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 6537 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▲+1
Solvency50▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.19 in 2023; short-term debt: 51.6% and cash: 5.5% of total assets), and 75% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
72 d late
2022
32 d late
2021
92 d late
2020
8 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€103k▲ 18.8%
2023 · €87k
2020: €74k
2021: €159k
2022: €67k
2023: €87k
2020 → 2024
Working capital
€193k▲ 43.5%
2023 · €135k
2020: €-18k
2021: €66k
2022: €92k
2023: €135k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€105k-€222k▲ 112%€247k▲ 11.2%€315k▲ 27.5%€374k▲ 18.7%
Operating result€95k-€224k▲ 135%€96k▼ 56.9%€134k▲ 38.8%€174k▲ 29.7%
Net result€74k-€159k▲ 116%€67k▼ 58.1%€87k▲ 30.2%€103k▲ 18.8%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 30% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.50M
Fixed assets
€532k▼ 8.0%
Current assets
€967k▲ 13.1%
Equity and liabilities €1.50M
Equity
€374k▲ 18.7%
Debt
€1.12M▲ 0.7%
The debt ratio falls from 78.0% to 75.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€218k▲
2023 · €178k
Cash flow
€148k▲
2023 · €132k
Solvency
25.0%▲
2023 · 22.0%
Current ratio
1.25▲
2023 · 1.19
Quick ratio
0.24▲
2023 · 0.23
Debt / equity
3.01▼
2023 · 3.54
ROE
27.6%▲
2023 · 27.6%
ROA
6.9%▲
2023 · 6.1%
Interest coverage
7.08▼
2023 · 8.04
Debt
€1.12M▲
2023 · €1.12M
Debt ≤ 1 year
€773k▲
2023 · €720k
Debt > 1 year
€344k▼
2023 · €393k
Income taxes
€42k▲
2023 · €27k
Staff costs
€77k▲
2023 · €38k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.43M€1.50M▲
Fixed assets21/28€578k€532k▼
Intangible fixed assets21€1k€566▼
Tangible fixed assets22/27€576k€531k▼
Land and buildings22€465k€451k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€47k€27k▼
Other tangible fixed assets26€61k€51k▼
Current assets29/58€854k€967k▲
Stocks and contracts in progress3€691k€779k▲
Stocks30/36€691k€779k▲
Amounts receivable within one year40/41€85k€101k▲
Trade receivables40€85k€101k▲
Cash at bank and in hand54/58€72k€82k▲
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.43M€1.50M▲
Equity10/15€315k€374k▲
Contributions10/11€60k€60k=
Reserves13€255k€314k▲
Distributable reserves133€255k€314k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.12M€1.12M▲
Amounts payable after more than one year17€393k€344k▼
Financial debts170/4€393k€344k▼
Amounts payable within one year42/48€720k€773k▲
Current portion of amounts payable after more than one year42€48k€49k▲
Financial debts43€200k€200k=
Credit institutions430/8€200k€200k=
Trade debts44€175k€205k▲
Suppliers440/4€175k€205k▲
Taxes, remuneration and social security45€104k€122k▲
Taxes450/3€102k€108k▲
Remuneration and social security454/9€2k€14k▲
Other amounts payable47/48€193k€198k▲
Accrued charges and deferred income492/3€4k€7k▲
Income statement
Code20232024
Remuneration, social security and pensions62€38k€77k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€44k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-53k€-27k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€167k€272k▲
Operating profit (loss)9901€134k€174k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€22k€31k▲
Recurring financial charges65€22k€31k▲
Profit (loss) for the period before taxes9903€114k€145k▲
Income taxes67/77€27k€42k▲
Profit (loss) for the period9904€87k€103k▲
Profit (loss) for the period to be appropriated9905€87k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€103k▲
Transfer to equity691/2€40k€59k▲
To other reserves6921€40k€59k▲
Profit to be distributed694/7€47k€45k▼
Return on contributions (dividend)694€42k€42k=
Directors or managers695€5k€3k▼
Social balance
Average headcount (FTE)90872.22.6▲
The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 72 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €67k ▼58.1%
Net result drops to €67k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
2021
31-12
Financial
Highest result since 2020net €159k ▲116%
Operating result €224k, net result €159k, both a record.
31-12
Financial
Equity above €200kEq €222k ▲112%
2 profitable years in a row build equity to €222k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · full 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, Spa · 2 establishment units since 2019
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.
Boulevard des Anglais 84900 SpaGround area
5,209 m²
Building footprint
229 m²
Volume, LiDAR
2,370 m³
2 parcels, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
VIA SPA
since 20192.289.346.290
RESPIRE SPORTS
since 20232.390.119.095
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068C0969/00Y000 | Wallonia | 4,885 m² | 1 · 17 m² | 1.9 m |
| 63072G1569/00B000 | Wallonia | 323 m² | 1 · 212 m² | 13.2 m · 4 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteJalhay2.390.119.095
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Of 1,467 companies in sector 47632 we hold annual accounts for 733. 597 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2019
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
47279Other retail sale of food
47299Retail trade
47793Retail sale of other second-hand goods, excluding clothing
77210Renting and leasing of sports and recreation goods
93199Other sports activities
93299Other amusement and recreation activities
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.veloo-store.be
E-mail:info@veloo-store.be