VINCENT
ActiveVINCENT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €187k and a net result of €6k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 56% of 3462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
69
/ 100
Healthy▼ -12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-40
Solvency62▲+3
Growth52=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.39 in 2024), and 64.2% 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 56
Relative position
BE, all sectors
reference
Sector 56
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
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
35.8%
Return on assets
1.2%
Age of the figures
8 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 14-08-2026, 14 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 · 10 filingsDeviation from the deadline
2025
14 d late
2024
28 d late
2023
26 d late
2022
13 d late
2021
12 d late
2020
4 d early
2019
56 d late
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€187k▲ 3.6%
2024 · €181k
2021: €144k
2022: €158k
2023: €160k
2024: €181k
2021 → 2025
Total assets
€522k▼ 6.9%
2024 · €561k
2021: €638k
2022: €601k
2023: €577k
2024: €561k
2021 → 2025
Net result
€6k▼ 68.7%
2024 · €21k
2021: €47k
2022: €14k
2023: €2k
2024: €21k
2021 → 2025
Working capital
€28k▼ 39.2%
2024 · €47k
2021: €56k
2022: €57k
2023: €46k
2024: €47k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€158k▲ 9.8%€160k▲ 1.0%€181k▲ 12.8%€187k▲ 3.6%
Operating result€51k-€17k▼ 66.0%€-1k€29k€15k▼ 48.8%
Net result€47k-€14k▼ 69.7%€2k▼ 88.8%€21k▲ 1,195%€6k▼ 68.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €522k
Fixed assets
€379k▼ 4.0%
Current assets
€144k▼ 13.8%
Equity and liabilities €522k
Equity
€187k▲ 3.6%
Debt
€335k▼ 11.9%
The debt ratio falls from 67.8% to 64.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€63k▼
2024 · €72k
Cash flow
€55k▼
2024 · €64k
Solvency
35.8%▲
2024 · 32.2%
Current ratio
1.25▼
2024 · 1.39
Quick ratio
0.80▼
2024 · 0.95
Debt / equity
1.79▼
2024 · 2.11
ROE
3.4%▼
2024 · 11.4%
ROA
1.2%▼
2024 · 3.7%
Interest coverage
9.28▼
2024 · 11.60
Debt
€335k▼
2024 · €381k
Debt ≤ 1 year
€115k▼
2024 · €120k
Debt > 1 year
€220k▼
2024 · €260k
Income taxes
€2k▼
2024 · €2k
Staff costs
€377k▲
2024 · €346k
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
Total assets
20/58€561k€522k▼
Fixed assets
21/28€394k€379k▼
Tangible fixed assets
22/27€394k€379k▼
Current assets
29/58€167k€144k▼
Stocks & contracts in progress
3€52k€51k▼
Amounts receivable within one year
40/41€13k€27k▲
Cash & bank
54/58€69k€45k▼
Total equity & liabilities
10/49€561k€522k▼
Equity
10/15€181k€187k▲
Contributions / capital
10/11€20k€20k=
Reserves
13€160k€167k▲
Amounts payable
17/49€381k€335k▼
Amounts payable after one year
17€260k€220k▼
Amounts payable within one year
42/48€120k€115k▼
Trade debts payable within one year
44€16k€23k▲
Income statement
Code20242025
Gross operating margin
9900€421k€443k▲
Operating result
9901€29k€15k▼
Financial income
75€13€397▲
Financial charges
65€6k€7k▲
Result before taxes
9903€23k€8k▼
Income taxes
67/77€2k€2k▼
Net result for the period
9904€21k€6k▼
Result to be appropriated
9905€21k€6k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €2k ▼88.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
28-12
State Gazette act
Director changes
Sofie VANHOUTTEGHEM
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 13 days late
2022
31-12
Financial
Equity above €150kEq €158k ▲9.8%
2 profitable years in a row build equity to €158k.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 12 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
XADAY
BE 0834.312.935
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Top Délice
BE 0541.708.970
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MERSAN
BE 0817.456.414
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NOMA
BE 0704.676.393
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ERIDOS
BE 0848.653.790
Anderlecht · Eq €187k
Of 20,236 companies in sector 56111 we hold annual accounts for 10,615. 8,290 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-1996
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 24-08-2026. Scores and ratios are computed by Checked and are not a credit decision.