VIGOR 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 €783k and a net result of €90k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 8018 sector peers (fiscal year 2025). The company has been active since 2014 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 15-10-2025, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
17 d early
2023
on the day
2022
29 d late
2021
3 d late
2020
26 d late
2019
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€783k▲ 13.0%
2024 · €693k
2019: €256k
2020: €385k
2021: €508k
2022: €581k
2023: €572k
2024: €693k
2019 → 2025
Net result
€90k▼ 25.6%
2024 · €121k
2019: €142k
2020: €129k
2021: €131k
2022: €72k
2023: €20k
2024: €121k
2019 → 2025
Total assets
€1.63M▲ 2.2%
2024 · €1.60M
2019: €946k
2020: €526k
2021: €990k
2022: €1.47M
2023: €1.47M
2024: €1.60M
2019 → 2025
Solvency
47.9%▲ 4.6pp
2024 · 43.3%
2019: 27.1%
2020: 73.2%
2021: 51.3%
2022: 39.6%
2023: 38.9%
2024: 43.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€321k
Equity€508k-€581k▲ 14.3%€572k▼ 1.5%€693k▲ 21.1%€783k▲ 13.0%
Operating result€192k-€125k▼ 34.6%€32k▼ 74.8%€183k▲ 478%€66k▼ 63.8%
Net result€131k-€72k▼ 44.6%€20k▼ 72.1%€121k▲ 498%€90k▼ 25.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.63M
Fixed assets
€1.23M▼ 4.4%
Current assets
€399k▲ 29.7%
Equity and liabilities €1.63M
Equity
€783k▲ 13.0%
Debt
€851k▼ 6.1%
The debt ratio falls from 56.7% to 52.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
47.9%▲
2024 · 43.3%
ROE
11.5%▼
2024 · 17.5%
ROA
5.5%▼
2024 · 7.6%
Debt
€851k▼
2024 · €906k
Debt ≤ 1 year
€851k▼
2024 · €906k
Income taxes
€25k▼
2024 · €62k
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€1.60M€1.63M▲
Fixed assets21/28€1.29M€1.23M▼
Tangible fixed assets22/27€142k€85k▼
Plant, machinery and equipment23€543€1k▲
Furniture and vehicles24€141k€84k▼
Financial fixed assets28€1.15M€1.15M=
Current assets29/58€308k€399k▲
Amounts receivable within one year40/41€21k€12k▼
Trade receivables40€21k€12k▼
Cash at bank and in hand54/58€284k€384k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.60M€1.63M▲
Equity10/15€693k€783k▲
Contributions10/11€12k€12k=
Reserves13€681k€771k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€679k€769k▲
Amounts payable17/49€906k€851k▼
Amounts payable within one year42/48€906k€851k▼
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€7k€171▼
Suppliers440/4€7k€171▼
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45€55k€17k▼
Taxes450/3€55k€17k▼
Other amounts payable47/48€838k€833k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€22k▲
Other operating charges640/8€109€2k▲
Non-recurring operating charges66A€183k€36k▼
Gross operating margin9900€371k€126k▼
Operating profit (loss)9901€183k€66k▼
Financial income75/76B-€49k
Recurring financial income75-€49k
Financial charges65/66B€445€178▼
Recurring financial charges65€445€178▼
Profit (loss) for the period before taxes9903€182k€115k▼
Income taxes67/77€62k€25k▼
Profit (loss) for the period9904€121k€90k▼
Profit (loss) for the period to be appropriated9905€121k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€121k€90k▼
Transfer to equity691/2€121k€90k▼
To other reserves6921€121k€90k▼
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
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €20k ▼72.1%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Equity above €500kEq €508k ▲32%
3 profitable years in a row build equity to €508k.
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
31-03
Financial
Liquidity triplescurrent ratio 5.80
Current ratio from 2.02 to 5.80; short-term debt falls from €143k to €74k.
2019
21-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
23-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-10
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
6 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, De Haan · 1 establishment unit since 2014
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.
Zeedijk 98420 De Haan1 establishment unit
VIGOR
since 20142.231.153.715
Similar companies · same sector, comparable size
VIHEMI
BE 0730.655.963
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GMB INVEST
BE 0500.881.175
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IMMO CARSTE
BE 0784.948.942
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PHM INVEST
BE 0889.786.245
Leuze-en-Hainaut · Eq €783k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,190 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2014
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filings
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.