Villa Verbeelding
ActiveSummary
Villa Verbeelding has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €373k and a net result of €60k. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 63 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-12
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 7.05 against 6.48 in 2024; short-term debt: 13.6% and cash: 86.4% of total assets), and 13.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 91
Relative position
BE, all sectors
reference
Sector 91
lower
← fewer bankruptcies
more bankruptcies →
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
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
86.4%
Return on assets
13.9%
Age of the figures
9 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 11-08-2026, 11 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 · 4 filingsDeviation from the deadline
2025
11 d late
2024
42 d early
2023
2 d early
2022
30 d late
← 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
€373k▲ 19.2%
2024 · €313k
2022: €132k
2023: €227k
2024: €313k
2022 → 2025
Total assets
€432k▲ 18.0%
2024 · €366k
2022: €202k
2023: €280k
2024: €366k
2022 → 2025
Net result
€60k▼ 29.8%
2024 · €86k
2022: €-50k
2023: €96k
2024: €86k
2022 → 2025
Working capital
€354k▲ 22.1%
2024 · €290k
2022: €131k
2023: €219k
2024: €290k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€132k-€227k▲ 72.6%€313k▲ 37.8%€373k▲ 19.2%
Operating result€-50k-€96k€85k▼ 11.7%€60k▼ 29.2%
Net result€-50k-€96k€86k▼ 10.2%€60k▼ 29.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €432k
Fixed assets
€19k ▼ 17.2%
Current assets
€412k ▲ 20.3%
Equity and liabilities €432k
Equity
€373k ▲ 19.2%
Debt
€58k ▲ 10.5%
Debt's share of the balance-sheet total falls from 14.5% to 13.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€66k▼
2024 · €88k
Cash flow
€66k▼
2024 · €89k
Current ratio
7.05▲
2024 · 6.48
Debt to equity
0.16▼
2024 · 0.17
ROE
16.1%▼
2024 · 27.4%
ROA
13.9%▼
2024 · 23.4%
Interest coverage
34.46▼
2024 · 92.04
Debt ≤ 1 year
€58k▲
2024 · €53k
Staff costs
€303k▲
2024 · €289k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€366k€432k▲
Fixed assets21/28€23k€19k▼
Tangible fixed assets22/27€23k€19k▼
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26€21k€17k▼
Current assets29/58€343k€412k▲
Amounts receivable within one year40/41€43k€38k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€40k€36k▼
Cash at bank and in hand54/58€298k€373k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€366k€432k▲
Equity10/15€313k€373k▲
Reserves13€50k€50k=
Profit (loss) carried forward14€263k€323k▲
Amounts payable17/49€53k€58k▲
Amounts payable within one year42/48€53k€58k▲
Trade debts44€11k€10k▼
Suppliers440/4€11k€10k▼
Taxes, remuneration and social security45€42k€48k▲
Taxes450/3€7k€8k▲
Remuneration and social security454/9€36k€40k▲
Accrued charges and deferred income492/3€1€7▲
Income statement
Code20242025
Remuneration, social security and pensions62€289k€303k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€6k▲
Other operating charges640/8€242€413▲
Gross operating margin9900€377k€369k▼
Operating profit (loss)9901€85k€60k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€957€2k▲
Recurring financial charges65€957€2k▲
Profit (loss) for the period before taxes9903€86k€60k▼
Profit (loss) for the period9904€86k€60k▼
Profit (loss) for the period to be appropriated9905€86k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€247k€323k▲
Profit (loss) brought forward from the previous period14P€161k€263k▲
From contributions791€16k-
The notes to these accounts (5 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
31-12
Financial
Equity above €200kEq €227k ▲72.6%
Equity rises from €132k to €227k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hasselt · 2 establishment units since 2021
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.
Bampslaan 353500 HasseltGround area
721 m²
Building footprint
332 m²
Volume, LiDAR
2,802 m³
2 parcels, Flanders · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Villa Verbeelding
since 20212.325.525.114
Villa Verbeelding
since 20212.325.525.609
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71326F0122/00Z000 | Flanders | 429 m² | 1 · 229 m² | 14.9 m · 1 fl. |
| 71326F0152/00X000 | Flanders | 291 m² | 1 · 103 m² | 17.4 m · 5 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
ESPACE - CHIMAY
BE 0892.228.170
Chimay · Eq €363k
LA BATAILLE DES CARREFOURS
BE 0660.743.610
Manhay · Eq €347k
COLLECTION HUGO VOETEN
BE 0425.516.036
Geel · Eq €335k
MigratieMuseumMigration
BE 0759.880.083
Sint-Jans-Molenbeek · Eq €331k
Brussels Museums
BE 0457.816.640
Brussel · Eq €446k
Of 215 companies in sector 91210 we hold annual accounts for 79. 60 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 formNon-profit association
Founded21-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
91210Libraries, archives, museums and other cultural activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.villaVerbeelding.be
E-mail:info@villaverbeelding.be