VICTORIA CONSTRUCT SPRL
ActiveThe computed 12-month bankruptcy probability of VICTORIA CONSTRUCT SPRL is 1.7% (moderate). The 2025 annual accounts show equity of €63k and a net result of €-3k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 89% of 820 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
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-52
Solvency100▲+9
Growth52=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 5.31 against 3.74 in 2024; short-term debt: 18.8% and cash: 2.1% of total assets), and 20.7% 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.
−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 41
Relative position
BE, all sectors
reference
Sector 41
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.3%
Return on assets
-3.3%
Age of the figures
19 mo
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 29-08-2025, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
10 d early
2023
5 d early
2022
7 d early
2021
16 d early
2020
12 d early
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2025, full schema
Turnover
€121k
EBIT margin
14.6%
Net result
€-3k
2024 · €14k
2019: €19k
2020: €4k
2021: €3k
2022: €3k
2023: €17k
2024: €14k
2019 → 2025
Working capital
€64k▼ 10.8%
2024 · €72k
2019: €29k
2020: €30k
2021: €36k
2022: €36k
2023: €55k
2024: €72k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€121k
Equity€41k-€44k▲ 6.7%€57k▲ 29.1%€66k▲ 16.3%€63k▼ 4.0%
Operating result€6k-€5k▼ 15.3%€23k▲ 337%€18k▼ 22.2%€5k▼ 70.9%
Net result€3k-€3k▼ 6.0%€17k▲ 527%€14k▼ 20.4%€-3k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 71% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€250▼ 32.5%
Current assets
€79k▼ 19.5%
Equity and liabilities €80k
Equity
€63k▼ 4.0%
Debt
€16k▼ 50.3%
The debt ratio falls from 33.5% to 20.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€5k▼
2024 · €18k
Cash flow
€-3k▼
2024 · €15k
Solvency
79.3%▲
2024 · 66.5%
Current ratio
5.31▲
2024 · 3.74
Quick ratio
5.31▲
2024 · 3.74
Debt / equity
0.26▼
2024 · 0.50
ROE
-4.2%▼
2024 · 20.9%
ROA
-3.3%▼
2024 · 13.9%
Interest coverage
1.27▼
2024 · 4.70
Debt
€16k▼
2024 · €33k
Debt ≤ 1 year
€15k▼
2024 · €26k
Debt > 1 year
€2k▼
2024 · €7k
Income taxes
€4k▲
2024 · €4
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€99k€80k▼
Fixed assets21/28€370€250▼
Tangible fixed assets22/27€120-
Furniture and vehicles24€120-
Financial fixed assets28€250€250=
Current assets29/58€99k€79k▼
Amounts receivable after more than one year29€40k€40k=
Other amounts receivable291€40k€40k=
Amounts receivable within one year40/41€58k€37k▼
Trade receivables40€29k€6k▼
Other amounts receivable41€29k€31k▲
Cash at bank and in hand54/58-€2k
Deferred charges and accrued income490/1€345€1k▲
Equity and liabilities
Total equity and liabilities10/49€99k€80k▼
Equity10/15€66k€63k▼
Contributions10/11€12k€12k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€42k€39k▼
Amounts payable17/49€33k€16k▼
Amounts payable after more than one year17€7k€2k▼
Financial debts170/4€7k€2k▼
Amounts payable within one year42/48€26k€15k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€6k€183▼
Suppliers440/4€6k€183▼
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€6k-
Income statement
Code20242025
Turnover70€121k-
Non-recurring operating income76A€2k-
Goods, raw materials, services and sundry goods60/61€103k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€808€120▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€20k€7k▼
Operating profit (loss)9901€18k€5k▼
Financial income75/76B€1€29▲
Recurring financial income75€1€29▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€14k€1k▼
Income taxes67/77€4€4k▲
Profit (loss) for the period9904€14k€-3k▼
Profit (loss) for the period to be appropriated9905€14k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€39k▼
Profit (loss) brought forward from the previous period14P€32k€42k▲
Profit to be distributed694/7€5k-
Directors or managers695€5k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
28-02
Financial
Weakest financial yearnet €-3k ▼119%
Net result drops to €-3k, the lowest in the series.
2024
20-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Evere · 1 establishment unit 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.
Frans Léonstraat 271140 EvereGround area
117 m²
Building footprint
85 m²
Volume, LiDAR
545 m³
Parcel 21006A0196/00R003, Brussels · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VICTORIA CONSTRUCT SPRL
since 20082.169.611.074
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0196/00R003 | Brussels | 117 m² | 1 · 85 m² | 10.0 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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DIZ RENOVATION
BE 0772.717.242
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 13,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-02-2008
Fiscal year end28-02
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.