VICTIM
ActiveSummary
VICTIM has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €46k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 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
Profitability79▼-2
Solvency44▼-13
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.97 in 2024; short-term debt: 27.1% and cash: 1.3% of total assets), and 80.6% 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+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
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
19.4%
Return on assets
10.8%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 23%
← weakest
strongest →
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 01-01-2026, 119 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
119 d early
2024
30 d early
2023
29 d early
2022
16 d late
2021
17 d early
2020
2 d early
2019
8 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▼ 41.6%
2024 · €139k
2018: €172k
2019: €69k
2020: €-133k
2021: €-73k
2022: €-17k
2023: €94k
2024: €139k
2018 → 2025
Total assets
€420k▼ 4.0%
2024 · €438k
2018: €558k
2019: €558k
2020: €440k
2021: €376k
2022: €295k
2023: €455k
2024: €438k
2018 → 2025
Net result
€46k▼ 3.6%
2024 · €47k
2018: €31k
2019: €-103k
2020: €-202k
2021: €61k
2022: €56k
2023: €111k
2024: €47k
2018 → 2025
Working capital
€-66k▼ 3,955%
2024 · €-2k
2018: €40k
2019: €43k
2020: €-197k
2021: €52k
2022: €-5k
2023: €-19k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-73k-€-17k▲ 76.6%€94k€139k▲ 48.8%€81k▼ 41.6%
Operating result€73k-€58k▼ 20.4%€337k▲ 478%€64k▼ 80.9%€79k▲ 22.6%
Net result€61k-€56k▼ 8.2%€111k▲ 98.8%€47k▼ 57.3%€46k▼ 3.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €420k
Fixed assets
€373k ▼ 4.0%
Current assets
€47k ▼ 3.8%
Equity and liabilities €420k
Equity
€81k ▼ 41.6%
Debt
€339k ▲ 13.6%
Debt's share of the balance-sheet total rises from 68.2% to 80.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€94k▲
2024 · €81k
Cash flow
€61k▼
2024 · €64k
Current ratio
0.42▼
2024 · 0.97
Debt to equity
4.16▲
2024 · 2.14
ROE
56.0%▲
2024 · 33.9%
ROA
10.8%▲
2024 · 10.8%
Interest coverage
5.56▼
2024 · 5.80
Debt ≤ 1 year
€114k▲
2024 · €51k
Debt > 1 year
€225k▼
2024 · €247k
Income taxes
€16k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€438k€420k▼
Fixed assets21/28€388k€373k▼
Tangible fixed assets22/27€388k€373k▼
Land and buildings22€386k€371k▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€300€300=
Current assets29/58€49k€47k▼
Amounts receivable within one year40/41€44k€42k▼
Trade receivables40€44k€42k▼
Cash at bank and in hand54/58€5k€6k▲
Deferred charges and accrued income490/1€315€330▲
Equity and liabilities
Total equity and liabilities10/49€438k€420k▼
Equity10/15€139k€81k▼
Contributions10/11€19k-
Reserves13€121k€81k▼
Tax-exempt reserves132€6k€6k=
Distributable reserves133€115k€76k▼
Amounts payable17/49€298k€339k▲
Amounts payable after more than one year17€247k€225k▼
Financial debts170/4€22k-
Other amounts payable178/9€225k€225k=
Amounts payable within one year42/48€51k€114k▲
Current portion of amounts payable after more than one year42€39k€22k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€10k€10k▲
Other amounts payable47/48€1k€80k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€83k€96k▲
Operating profit (loss)9901€64k€79k▲
Financial charges65/66B€14k€17k▲
Recurring financial charges65€14k€17k▲
Profit (loss) for the period before taxes9903€50k€62k▲
Income taxes67/77€3k€16k▲
Profit (loss) for the period9904€47k€46k▼
Profit (loss) for the period to be appropriated9905€47k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€46k▲
Profit (loss) brought forward from the previous period14P€-14k-
Transfer from equity791/2-€83k
Transfer to equity691/2€32k€44k▲
To other reserves6921€32k€44k▲
Profit to be distributed694/7€2k€85k▲
Return on contributions (dividend)694€2k€85k▲
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
01-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100kEq €139k ▲48.8%
4 profitable years in a row build equity to €139k.
01-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €111k ▲98.8%
Operating result €337k, net result €111k, both a record.
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
13-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €61k
Net result €61k after 2 loss-making years.
30-09
Financial
Liquidity quadruplescurrent ratio 1.84
Current ratio from 0.44 to 1.84; short-term debt falls from €349k to €62k.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-202k
Net result drops to €-202k, the lowest in the series; recovery starts the following year.
22-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
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
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, Zandhoven · 1 establishment unit since 2005
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.
Sparrendreef 102243 ZandhovenGround area
4,730 m²
Building footprint
288 m²
Volume, LiDAR
975 m³
Parcel 11034B0626/00Y005, Flanders · tallest building 12.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
-
since 20052.149.919.084
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11034B0626/00Y005 | Flanders | 4,730 m² | 1 · 288 m² | 12.6 m · 1 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.
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REAL
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BFELIX
BE 0761.684.382
Rixensart · Eq €81,378
evDSM
BE 0754.867.955
Vorst · Eq €81,375
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,157 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2005
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.