VICTOR JOSEPH
ActiveFor VICTOR JOSEPH, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €5.69M and a net result of €1.32M. Equity is growing by ~40.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 9625 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Filing: One filing cycle is missing
Axes, FY 2024 · tick = 2023
Profitability95▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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 2024Solvency, return and age of the figures
Solvency
89.8%
Return on assets
20.8%
Age of the figures
27 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 229 days later.
NBB · 10 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline17-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 31-01-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
on the day
2023
21 d early
2022
19 d early
2021
39 d early
2020
33 d early
2019
23 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€5.69M▲ 28.1%
2023 · €4.44M
2019: €531k
2020: €1.05M
2021: €2.05M
2022: €3.03M
2023: €4.44M
2019 → 2024
Total assets
€6.33M▲ 10.7%
2023 · €5.72M
2019: €1.27M
2020: €2.49M
2021: €3.61M
2022: €4.32M
2023: €5.72M
2019 → 2024
Net result
€1.32M▼ 6.3%
2023 · €1.41M
2019: €159k
2020: €517k
2021: €1,000k
2022: €984k
2023: €1.41M
2019 → 2024
Working capital
€5.57M▲ 41.2%
2023 · €3.95M
2019: €485k
2020: €519k
2021: €1.47M
2022: €2.49M
2023: €3.95M
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.05M-€2.05M▲ 95.4%€3.03M▲ 48.0%€4.44M▲ 46.5%€5.69M▲ 28.1%
Operating result€804k-€1.57M▲ 95.7%€1.54M▼ 1.9%€2.18M▲ 41.6%€1.89M▼ 13.6%
Net result€517k-€1,000k▲ 93.3%€984k▼ 1.6%€1.41M▲ 43.1%€1.32M▼ 6.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6.33M
Fixed assets
€131k▼ 82.3%
Current assets
€6.20M▲ 24.6%
Equity and liabilities €6.33M
Equity
€5.69M▲ 28.1%
Debt
€643k▼ 49.6%
The debt ratio falls from 22.3% to 10.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.94M▼
2023 · €2.33M
Cash flow
€1.37M▼
2023 · €1.55M
Solvency
89.8%▲
2023 · 77.7%
Current ratio
9.92▲
2023 · 4.84
Quick ratio
7.65▲
2023 · 3.45
Debt / equity
0.11▼
2023 · 0.29
ROE
23.2%▼
2023 · 31.7%
ROA
20.8%▼
2023 · 24.6%
Interest coverage
19.17▼
2023 · 27.25
Debt
€643k▼
2023 · €1.28M
Debt ≤ 1 year
€625k▼
2023 · €1.03M
Debt > 1 year
€18k▼
2023 · €250k
Income taxes
€476k▼
2023 · €701k
Staff costs
€1.03M▼
2023 · €1.06M
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€5.72M€6.33M▲
Fixed assets21/28€743k€131k▼
Tangible fixed assets22/27€743k€131k▼
Plant, machinery and equipment23€112k€24k▼
Furniture and vehicles24€4k€8k▲
Leasing and similar rights25€627k€27k▼
Other tangible fixed assets26-€72k
Current assets29/58€4.97M€6.20M▲
Amounts receivable after more than one year29€27k€1.99M▲
Other amounts receivable291€27k€1.99M▲
Stocks and contracts in progress3€1.43M€1.42M▼
Stocks30/36€1.43M€1.42M▼
Amounts receivable within one year40/41€546k€669k▲
Trade receivables40€537k€638k▲
Other amounts receivable41€8k€31k▲
Cash at bank and in hand54/58€2.96M€2.11M▼
Deferred charges and accrued income490/1€14k€10k▼
Equity and liabilities
Total equity and liabilities10/49€5.72M€6.33M▲
Equity10/15€4.44M€5.69M▲
Contributions10/11€19k€19k=
Reserves13€4.42M€5.67M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€4.42M€5.67M▲
Amounts payable17/49€1.28M€643k▼
Amounts payable after more than one year17€250k€18k▼
Financial debts170/4€250k€18k▼
Amounts payable within one year42/48€1.03M€625k▼
Current portion of amounts payable after more than one year42€94k€37k▼
Trade debts44€387k€391k▲
Suppliers440/4€387k€391k▲
Advances received on contracts in progress46-€705
Taxes, remuneration and social security45€547k€196k▼
Taxes450/3€458k€118k▼
Remuneration and social security454/9€89k€79k▼
Income statement
Code20232024
Non-recurring operating income76A-€24k
Remuneration, social security and pensions62€1.06M€1.03M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€146k€56k▼
Other operating charges640/8€6k€8k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€3.40M€2.98M▼
Operating profit (loss)9901€2.18M€1.89M▼
Financial income75/76B€10k€7k▼
Recurring financial income75€10k€7k▼
Financial charges65/66B€86k€101k▲
Recurring financial charges65€86k€101k▲
Profit (loss) for the period before taxes9903€2.11M€1.79M▼
Income taxes67/77€701k€476k▼
Profit (loss) for the period9904€1.41M€1.32M▼
Profit (loss) for the period to be appropriated9905€1.41M€1.32M▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.41M€1.32M▼
Transfer from equity791/2-€72k
Transfer to equity691/2€1.41M€1.32M▼
To other reserves6921€1.41M€1.32M▼
Profit to be distributed694/7-€72k
Return on contributions (dividend)694-€72k
Social balance
Average headcount (FTE)908718.617.3▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Liquidity doublescurrent ratio 9.92
Current ratio from 4.84 to 9.92; short-term debt falls from €1.03M to €625k.
30-06
Financial
Equity above €5MEq €5.69M ▲28.1%
6 profitable years in a row build equity to €5.69M.
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2019net €1.41M ▲43.1%
Operating result €2.18M, net result €1.41M, both a record.
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Equity above €2MEq €2.05M ▲95.4%
3 profitable years in a row build equity to €2.05M.
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Equity above €1MEq €1.05M ▲97.4%
2 profitable years in a row build equity to €1.05M.
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
10-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
06-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2010
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.
Pareinpark(BEV) 279120 Beveren-Kruibeke-ZwijndrechtGround area
2,212 m²
Building footprint
1,150 m²
Volume, LiDAR
92 m³
Parcel 46003B0705/00N000, Flanders · tallest building 6.6 m. Linked by address, not a title deed.
1 establishment unit
BUILDING.BLOCKS
since 20102.191.564.154
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46003B0705/00N000 | Flanders | 2,212 m² | 1 · 1,150 m² | 6.6 m |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,032 EUR awarded · 1,032 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,032 EUR | 1,032 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,072 companies in sector 47750 we hold annual accounts for 518. 34 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2010
Fiscal year end30-06
Activities, NACEBEL
46450Wholesale of perfume and cosmetics
47750Retail sale of cosmetics and toilet articles
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:aida@kevinmurphy.be