VINGIO
ActiveVINGIO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €380k and a net result of €-2k. Equity is growing by ~41.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 1363 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
62
/ 100
Healthy▼ -23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 12.49 against 7.9 in 2024), and 8.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
91.5%
Return on assets
-0.4%
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 24-08-2026, 24 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 · 5 filingsDeviation from the deadline
2025
24 d late
2024
31 d late
2023
66 d late
2022
25 d early
2021
23 d early
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€380k▼ 0.4%
2024 · €381k
2021: €3k
2022: €-49k
2023: €277k
2024: €381k
2021 → 2025
Total assets
€415k▼ 5.5%
2024 · €439k
2021: €613k
2022: €1.75M
2023: €1.06M
2024: €439k
2021 → 2025
Net result
€-2k
2024 · €104k
2021: €-17k
2022: €-52k
2023: €326k
2024: €104k
2021 → 2025
Working capital
€382k▼ 0.4%
2024 · €383k
2021: €553k
2022: €601k
2023: €277k
2024: €383k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€-49k€277k€381k▲ 37.6%€380k▼ 0.4%
Operating result€-11k-€-33k▼ 191%€422k€136k▼ 67.8%€-7k
Net result€-17k-€-52k▼ 213%€326k€104k▼ 68.1%€-2k
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 turns negative in 2025: a loss of €7k after €136k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €415k
Equity
€380k▼ 0.4%
Debt
€35k▼ 38.8%
The debt ratio falls from 13.1% to 8.5%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
91.5%▲
2024 · 86.9%
Current ratio
12.49▲
2024 · 7.90
Quick ratio
12.34▲
2024 · 7.81
Debt / equity
0.09▼
2024 · 0.15
ROE
-0.4%▼
2024 · 27.3%
ROA
-0.4%▼
2024 · 23.7%
Debt
€35k▼
2024 · €58k
Debt ≤ 1 year
€33k▼
2024 · €56k
Income taxes
€-5k▼
2024 · €31k
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
Balance sheet
Code2025
Total assets
20/58€415k
Current assets
29/58€415k
Stocks & contracts in progress
3€5k
Amounts receivable within one year
40/41€22k
Investments
50/53€350k
Cash & bank
54/58€38k
Total equity & liabilities
10/49€415k
Equity
10/15€380k
Contributions / capital
10/11€20k
Accumulated profits (losses)
14€360k
Amounts payable
17/49€35k
Amounts payable within one year
42/48€33k
Trade debts payable within one year
44€10k
Income statement
Code2025
Gross operating margin
9900€-6k
Operating result
9901€-7k
Financial income
75€0
Financial charges
65€134
Result before taxes
9903€-7k
Income taxes
67/77€-5k
Net result for the period
9904€-2k
Result to be appropriated
9905€-2k
This is the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Liquidity times 6current ratio 7.90
Current ratio from 1.35 to 7.90; short-term debt falls from €785k to €56k.
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 66 days late
2023
31-12
Financial
Back to profitnet €326k
Net result €326k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €277k
Equity rises from €-49k to €277k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 9,658 companies in sector 68121 we hold annual accounts for 6,823. 4,775 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2020
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-07-2026. Scores and ratios are computed by Checked and are not a credit decision.