VICTOR
ActiveVICTOR has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €207k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 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
Profitability100=
Solvency39▲+9
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 0.96 in 2024; short-term debt: 85.9% and cash: 68.5% of total assets), and 85.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
14.1%
Return on assets
107.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7740 sector peers (2025).
NBB · sector comparisonPosition among 7740 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €27k
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 01-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 d early
2024
48 d early
2023
22 d early
2022
3 d early
2021
2 d early
2020
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-12-2026 close30-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 397%
2024 · €5k
2020: €3k
2021: €165k
2022: €192k
2023: €5k
2024: €5k
2020 → 2025
Total assets
€192k▲ 65.9%
2024 · €115k
2020: €5k
2021: €172k
2022: €215k
2023: €215k
2024: €115k
2020 → 2025
Net result
€207k▲ 3.7%
2024 · €199k
2020: €-2k
2021: €162k
2022: €177k
2023: €184k
2024: €199k
2020 → 2025
Working capital
€20k
2024 · €-4k
2020: €3k
2021: €164k
2022: €182k
2023: €-10k
2024: €-4k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€192k▲ 16.3%€5k▼ 97.3%€5k▲ 5.9%€27k▲ 397%
Operating result€211k-€234k▲ 11.0%€236k▲ 0.5%€256k▲ 8.5%€271k▲ 6.2%
Net result€162k-€177k▲ 9.4%€184k▲ 4.1%€199k▲ 8.3%€207k▲ 3.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €192k
Fixed assets
€7k▼ 27.6%
Current assets
€184k▲ 74.7%
Equity and liabilities €192k
Equity
€27k▲ 397%
Debt
€165k▲ 49.5%
The debt ratio falls from 95.3% to 85.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€276k▲
2024 · €265k
Cash flow
€212k▲
2024 · €209k
Solvency
14.1%▲
2024 · 4.7%
Current ratio
1.12▲
2024 · 0.96
Quick ratio
1.12▲
2024 · 0.96
Debt / equity
6.07▼
2024 · 20.19
ROE
762.9%
ROA
107.8%▼
2024 · 172.6%
Interest coverage
169.85▲
2024 · 112.31
Debt
€165k▲
2024 · €110k
Debt ≤ 1 year
€165k▲
2024 · €110k
Income taxes
€63k▲
2024 · €59k
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€115k€192k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€106k€184k▲
Amounts receivable within one year40/41€5k€2k▼
Trade receivables40-€400
Other amounts receivable41€5k€2k▼
Current investments50/53€15k€51k▲
Cash at bank and in hand54/58€86k€131k▲
Equity and liabilities
Total equity and liabilities10/49€115k€192k▲
Equity10/15€5k€27k▲
Contributions10/11€5k€5k=
Reserves13€451€22k▲
Distributable reserves133€451€22k▲
Amounts payable17/49€110k€165k▲
Amounts payable within one year42/48€110k€165k▲
Current portion of amounts payable after more than one year42€3k-
Trade debts44€1k€497▼
Suppliers440/4€1k€497▼
Taxes, remuneration and social security45€22k€6k▼
Taxes450/3€20k€6k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€84k€158k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€5k▼
Other operating charges640/8€687€705▲
Gross operating margin9900€266k€277k▲
Operating profit (loss)9901€256k€271k▲
Financial income75/76B€5k€20▼
Recurring financial income75€5k€20▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€259k€270k▲
Income taxes67/77€59k€63k▲
Profit (loss) for the period9904€199k€207k▲
Profit (loss) for the period to be appropriated9905€199k€207k▲
Appropriation of the result
Profit (loss) to be appropriated9906€199k€207k▲
Transfer to equity691/2€303€22k▲
To other reserves6921€303€22k▲
Profit to be distributed694/7€199k€185k▼
Return on contributions (dividend)694€199k€185k▼
The notes to these accounts (5 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-12
Financial
Highest result since 2020net €207k ▲3.7%
Operating result €271k, net result €207k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €162k
Net result €162k after one loss-making year.
31-12
Financial
Liquidity times 10current ratio 24.05
Current ratio from 2.49 to 24.05.
31-12
Financial
Equity above €150kEq €165k ▲5196%
Equity rises from €3k to €165k.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Wommelgem · 1 establishment unit since 2020
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.
Adolf Mortelmansstraat 362160 WommelgemGround area
195 m²
Building footprint
136 m²
Volume, LiDAR
684 m³
Parcel 11052C0250/00X004, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VICTOR
since 20202.312.203.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0250/00X004 | Flanders | 195 m² | 1 · 136 m² | 7.2 m · 2 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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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,387 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2020
Fiscal year end30-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.