VICTOR & JULIUS
ActiveThe computed 12-month bankruptcy probability of VICTOR & JULIUS is 4.2% (elevated). The 2025 annual accounts show equity of €149k and a net result of €27k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 53% of 13061 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+82
Solvency42▼-20
Growth78=
Stability100
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.4 in 2024), and 66.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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 2025Solvency, return and age of the figures
Solvency
33.9%
Return on assets
6.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 10 filingsDeviation from the deadline
2025
18 d late
2024
2 d early
2023
30 d early
2022
31 d late
2021
20 d early
2020
31 d late
2019
31 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€149k▼ 31.7%
2024 · €219k
2018: €38k
2019: €56k
2020: €89k
2021: €138k
2022: €185k
2023: €215k
2024: €219k
2018 → 2025
Total assets
€440k▲ 1.8%
2024 · €432k
2018: €54k
2019: €116k
2020: €129k
2021: €174k
2022: €316k
2023: €403k
2024: €432k
2018 → 2025
Net result
€27k▲ 724%
2024 · €3k
2018: €-17k
2019: €19k
2020: €32k
2021: €49k
2022: €47k
2023: €31k
2024: €3k
2018 → 2025
Working capital
€-147k▼ 13.6%
2024 · €-129k
2018: €37k
2019: €12k
2020: €39k
2021: €10k
2022: €-65k
2023: €-149k
2024: €-129k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€185k▲ 33.8%€215k▲ 16.7%€219k▲ 1.5%€149k▼ 31.7%
Operating result€76k-€75k▼ 0.7%€42k▼ 43.5%€5k▼ 87.2%€43k▲ 688%
Net result€49k-€47k▼ 5.6%€31k▼ 33.9%€3k▼ 89.5%€27k▲ 724%
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 688% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €440k
Fixed assets
€296k▼ 14.9%
Current assets
€144k▲ 70.5%
Equity and liabilities €440k
Equity
€149k▼ 31.7%
Debt
€291k▲ 36.1%
The debt ratio rises from 49.4% to 66.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€98k▲
2024 · €59k
Cash flow
€82k▲
2024 · €57k
Solvency
33.9%▼
2024 · 50.6%
Current ratio
0.50▲
2024 · 0.40
Quick ratio
0.14▼
2024 · 0.14
Debt / equity
1.95▲
2024 · 0.98
ROE
17.9%▲
2024 · 1.5%
ROA
6.1%▲
2024 · 0.7%
Interest coverage
168.98▲
2024 · 60.79
Debt
€291k▲
2024 · €214k
Debt ≤ 1 year
€291k▲
2024 · €214k
Income taxes
€15k▲
2024 · €1k
Staff costs
€150k▼
2024 · €156k
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€432k€440k▲
Fixed assets21/28€348k€296k▼
Tangible fixed assets22/27€348k€296k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€13k€10k▼
Other tangible fixed assets26€333k€285k▼
Financial fixed assets28€79€79=
Current assets29/58€85k€144k▲
Stocks and contracts in progress3€54k€104k▲
Stocks30/36€54k€104k▲
Amounts receivable within one year40/41€9k€4k▼
Trade receivables40€7k€531▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€22k€36k▲
Equity and liabilities
Total equity and liabilities10/49€432k€440k▲
Equity10/15€219k€149k▼
Contributions10/11€6k€6k=
Reserves13€175k€106k▼
Distributable reserves133€175k€106k▼
Profit (loss) carried forward14€37k€37k=
Amounts payable17/49€214k€291k▲
Amounts payable within one year42/48€214k€291k▲
Trade debts44€15k€5k▼
Suppliers440/4€15k€5k▼
Taxes, remuneration and social security45€30k€29k▼
Taxes450/3€25k€24k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€169k€257k▲
Income statement
Code20242025
Remuneration, social security and pensions62€156k€150k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€55k▲
Other operating charges640/8€23k€15k▼
Gross operating margin9900€238k€263k▲
Operating profit (loss)9901€5k€43k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€973€578▼
Recurring financial charges65€973€578▼
Profit (loss) for the period before taxes9903€4k€42k▲
Income taxes67/77€1k€15k▲
Profit (loss) for the period9904€3k€27k▲
Profit (loss) for the period to be appropriated9905€3k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€64k▲
Profit (loss) brought forward from the previous period14P€34k€37k▲
Transfer from equity791/2-€96k
Transfer to equity691/2-€27k
To other reserves6921-€27k
Profit to be distributed694/7-€96k
Return on contributions (dividend)694-€96k
The notes to these accounts (6 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €215k ▲16.7%
5 profitable years in a row build equity to €215k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €185k ▲33.8%
4 profitable years in a row build equity to €185k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €49k ▲52.8%
Operating result €76k, net result €49k, both a record.
31-12
Financial
Equity above €100kEq €138k ▲55.6%
3 profitable years in a row build equity to €138k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
06-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 37 days late
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Elsene · 4 establishment units since 2008
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.
de Praeterestraat 221050 ElseneGround area
821 m²
Building footprint
321 m²
Volume, LiDAR
3,982 m³
4 parcels, Brussels, Wallonia · tallest building 16.8 m, ±5 floors. Linked by address, not a title deed.
4 establishment units
VICTOR & julius
since 20082.171.536.624
Avenue Winston-Churchill 32, 5500 Dinant
since 20182.276.128.556
Rue Richier 42, 5500 Dinant
since 20202.308.295.241
Le Bon Belge
since 20262.388.820.780
4 parcels
Wallonia
3
(75%)
Brussels
1
(25%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91244A0373/00N000 ProtectedMonument |
Wallonia | 472 m² | 1 · 94 m² | 13.8 m · 4 fl. |
| 21447B0384/00V007 | Brussels | 213 m² | 1 · 121 m² | 16.8 m · 5 fl. |
| 91034G0369/00B000 | Wallonia | 79 m² | 1 · 77 m² | 15.7 m · 4 fl. |
| 91034E0563/00V000 | Wallonia | 57 m² | 1 · 29 m² | 15.7 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteDinant2.276.128.556
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MAGNUM OPUS EVENTS
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Of 21,621 companies in sector 56112 we hold annual accounts for 9,654. 7,188 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2008
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
70200Business and other management consultancy
70220Business consulting
47770Retail sale of watches and jewellery
50100Water transport
55209Other holiday and short-stay accommodation
56210Event catering
68203Renting and operating of own or leased non-residential real estate, excluding land
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.