Summary
Victory-S is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €44k and a net result of €3k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 8023 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
4 d early
2023
on the day
2022
1 d early
2021
on the day
2020
2 d early
2019
2 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 8.1%
2024 · €41k
2019: €-1k
2020: €19k
2021: €20k
2022: €37k
2023: €44k
2024: €41k
2019 → 2025
Net result
€3k
2024 · €-889
2019: €11k
2020: €20k
2021: €1k
2022: €17k
2023: €14k
2024: €-889
2019 → 2025
Total assets
€62k▼ 3.0%
2024 · €64k
2019: €38k
2020: €73k
2021: €97k
2022: €66k
2023: €60k
2024: €64k
2019 → 2025
Solvency
71.9%▲ 7.4pp
2024 · 64.5%
2019: -2.8%
2020: 26.3%
2021: 20.9%
2022: 57.0%
2023: 73.3%
2024: 64.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€37k▲ 84.7%€44k▲ 17.3%€41k▼ 6.6%€44k▲ 8.1%
Operating result€5k-€25k▲ 387%€23k▼ 8.0%€3k▼ 85.3%€8k▲ 137%
Net result€1k-€17k▲ 1,464%€14k▼ 18.6%€-889€3k
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 137% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€10k ▼ 24.3%
Current assets
€52k ▲ 2.3%
Equity and liabilities €62k
Equity
€44k ▲ 8.1%
Debt
€17k ▼ 23.3%
Debt's share of the balance-sheet total falls from 35.5% to 28.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.5%▲
2024 · -2.2%
ROA
5.4%▲
2024 · -1.4%
Debt ≤ 1 year
€17k▼
2024 · €23k
Income taxes
€2k▲
2024 · €1k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€64k€62k▼
Fixed assets21/28€13k€10k▼
Tangible fixed assets22/27€13k€10k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€8k€7k▼
Current assets29/58€51k€52k▲
Amounts receivable within one year40/41€32k€28k▼
Trade receivables40€21k€16k▼
Other amounts receivable41€10k€12k▲
Cash at bank and in hand54/58€17k€21k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€64k€62k▼
Equity10/15€41k€44k▲
Contributions10/11€20k€20k=
Reserves13€22k€24k▲
Distributable reserves133€22k€24k▲
Profit (loss) carried forward14€-889-
Amounts payable17/49€23k€17k▼
Amounts payable within one year42/48€23k€17k▼
Financial debts43€3k€6k▲
Credit institutions430/8€3k€6k▲
Trade debts44€12k€4k▼
Suppliers440/4€12k€4k▼
Taxes, remuneration and social security45€7k€7k▼
Taxes450/3€5k€5k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€553€276▼
Income statement
Code20242025
Non-recurring operating income76A€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€7k€13k▲
Operating profit (loss)9901€3k€8k▲
Financial income75/76B€86€57▼
Recurring financial income75€86€57▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€377€6k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€-889€3k▲
Profit (loss) for the period to be appropriated9905€-889€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-889€2k▲
Profit (loss) brought forward from the previous period14P-€-889
Transfer from equity791/2€2k-
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (4 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-889 ▼106%
Net result drops to €-889, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity triplescurrent ratio 2.49
Current ratio from 0.96 to 2.49; short-term debt falls from €39k to €19k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €20k ▲85.9%
Operating result €28k, net result €20k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Pelt · 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.
Snoepluststraat 33900 PeltGround area
1,166 m²
Building footprint
134 m²
Volume, LiDAR
726 m³
Parcel 72029A1307/00G000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Snoepluststraat 3, 3900 Pelt
since 20102.186.600.724
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72029A1307/00G000 | Flanders | 1,166 m² | 1 · 134 m² | 7.4 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 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,041 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
Founded03-03-2010
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
46190Agents in non-specialised wholesale trade
73120Media representation
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.