Victoria & Roses
ActiveSummary
Victoria & Roses has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €647. Equity is shrinking by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+7
Solvency98▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 3.33 in 2024; short-term debt: 26.9% and cash: 63.4% of total assets), and 26.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
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 · 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
73.1%
Return on assets
0.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
15 d early
2023
1 d early
2022
27 d early
2021
19 d early
2020
37 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 0.8%
2024 · €77k
2020: €64k
2021: €116k
2022: €109k
2023: €82k
2024: €77k
2020 → 2025
Total assets
€106k▼ 1.7%
2024 · €107k
2020: €82k
2021: €166k
2022: €113k
2023: €106k
2024: €107k
2020 → 2025
Net result
€647
2024 · €-5k
2020: €59k
2021: €52k
2022: €-7k
2023: €-28k
2024: €-5k
2020 → 2025
Working capital
€77k▲ 7.3%
2024 · €72k
2020: €26k
2021: €87k
2022: €88k
2023: €69k
2024: €72k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€109k▼ 6.1%€82k▼ 25.2%€77k▼ 6.3%€77k▲ 0.8%
Operating result€65k-€-7k€-28k▼ 271%€-5k▲ 82.4%€809
Net result€52k-€-7k€-28k▼ 289%€-5k▲ 81.4%€647
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €809 after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €106k
Equity
€77k ▲ 0.8%
Debt
€28k ▼ 8.0%
Debt's share of the balance-sheet total falls from 28.7% to 26.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €3k
Cash flow
€5k▲
2024 · €3k
Current ratio
3.72▲
2024 · 3.33
Quick ratio
2.86▲
2024 · 2.53
Debt to equity
0.37▼
2024 · 0.40
ROE
0.8%▲
2024 · -6.7%
ROA
0.6%▲
2024 · -4.8%
Interest coverage
10.90▲
2024 · 6.14
Debt ≤ 1 year
€28k▼
2024 · €31k
Staff costs
€170▲
2024 · €163
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€107k€106k▼
Fixed assets21/28€5k€0▼
Intangible fixed assets21€3k€0▼
Tangible fixed assets22/27€2k€0▼
Other tangible fixed assets26€2k€0▼
Current assets29/58€103k€106k▲
Stocks and contracts in progress3€25k€25k▼
Stocks30/36€25k€25k▼
Amounts receivable within one year40/41€12k€13k▲
Trade receivables40€11k€11k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€64k€67k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€107k€106k▼
Equity10/15€77k€77k▲
Contributions10/11€5k€5k=
Reserves13€72k€72k▲
Distributable reserves133€72k€72k▲
Amounts payable17/49€31k€28k▼
Amounts payable within one year42/48€31k€28k▼
Trade debts44€21k€24k▲
Suppliers440/4€21k€24k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48€1k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€163€170▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€5k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€6k€7k▲
Operating profit (loss)9901€-5k€809▲
Financial income75/76B€279€336▲
Recurring financial income75€279€336▲
Financial charges65/66B€558€497▼
Recurring financial charges65€558€497▼
Profit (loss) for the period before taxes9903€-5k€647▲
Profit (loss) for the period9904€-5k€647▲
Profit (loss) for the period to be appropriated9905€-5k€647▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€647▲
Transfer from equity791/2€5k€0▼
Transfer to equity691/2-€647
To other reserves6921-€647
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
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €647
Net result €647 after 3 loss-making years.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 9current ratio 24.44
Current ratio from 2.76 to 24.44; short-term debt falls from €49k to €4k.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €116k ▲81.2%
2 profitable years in a row build equity to €116k.
24-06
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
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, Antwerpen · 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.
Luikstraat 12000 AntwerpenGround area
1,647 m²
Building footprint
858 m²
Volume, LiDAR
15,023 m³
2 parcels, Flanders · tallest building 27.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Victoria & Roses
since 20202.300.161.493
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3963/00T000 | Flanders | 1,430 m² | 1 · 712 m² | 23.9 m · 7 fl. |
| 31013A0439/00A000 | Flanders | 218 m² | 1 · 146 m² | 27.1 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
FD Pellets
BE 0688.634.969
Tournai · Eq €76,648
Marnat
BE 0677.629.132
Leuven · Eq €76,574
CUTTING EDGE INVEST SPRL
BE 0670.445.192
Oupeye · Eq €75,776
Lovely by Evi
BE 0780.849.010
Bilzen-Hoeselt · Eq €78,649
CHARLIES CANDLES
BE 0758.683.817
Wingene · Eq €78,785
Of 1,045 companies in sector 47559 we hold annual accounts for 350. 286 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
Founded04-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47559Retail sale of other household articles
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.