VINIG
ActiveThe annual accounts of VINIG for fiscal year 2025 show a net loss of 64% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 31642 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-54
Solvency26▼-5
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.74 against 0.77 in 2024; short-term debt: 54.4% and cash: 4.4% of total assets), and 99% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
1%
Return on assets
-1.8%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31642 sector peers (2025).
NBB · sector comparisonPosition among 31642 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-11-2025, 28 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 · 6 filingsDeviation from the deadline
2025
28 d late
2024
5 d late
2023
14 d late
2022
85 d late
2021
5 d late
2020
58 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 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 63.7%
2024 · €7k
2020: €6k
2021: €20k
2022: €-30k
2023: €-95k
2024: €7k
2020 → 2025
Total assets
€238k▲ 111%
2024 · €113k
2020: €103k
2021: €131k
2022: €175k
2023: €140k
2024: €113k
2020 → 2025
Net result
€-4k
2024 · €102k
2020: €278
2021: €3k
2022: €-50k
2023: €-65k
2024: €102k
2020 → 2025
Working capital
€-34k▼ 57.1%
2024 · €-22k
2020: €-12k
2021: €-1k
2022: €-61k
2023: €-117k
2024: €-22k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€-30k€-95k▼ 216%€7k€2k▼ 63.7%
Operating result€4k-€10k▲ 175%€-872€105k€3k▼ 97.1%
Net result€3k-€-50k€-65k▼ 31.1%€102k€-4k
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 97% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238k
Fixed assets
€143k▲ 240%
Current assets
€96k▲ 34.5%
Equity and liabilities €238k
Equity
€2k▼ 63.7%
Debt
€236k▲ 122%
The debt ratio rises from 94.1% to 99.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €118k
Cash flow
€16k▼
2024 · €116k
Solvency
1.0%▼
2024 · 5.9%
Current ratio
0.74▼
2024 · 0.77
Quick ratio
0.74▼
2024 · 0.77
Debt / equity
97.51▲
2024 · 15.97
ROE
-175.2%
ROA
-1.8%▼
2024 · 90.4%
Interest coverage
3.52▼
2024 · 76.51
Debt
€236k▲
2024 · €106k
Debt ≤ 1 year
€130k▲
2024 · €93k
Debt > 1 year
€102k▲
2024 · €13k
Income taxes
€712▼
2024 · €878
Staff costs
€0▼
2024 · €3k
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€113k€238k▲
Fixed assets21/28€42k€143k▲
Tangible fixed assets22/27€32k€143k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€32k€19k▼
Other tangible fixed assets26€0€123k▲
Financial fixed assets28€10k€0▼
Current assets29/58€71k€96k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€41k€82k▲
Trade receivables40€37k€82k▲
Other amounts receivable41€4k€0▼
Cash at bank and in hand54/58€29k€11k▼
Deferred charges and accrued income490/1€859€3k▲
Equity and liabilities
Total equity and liabilities10/49€113k€238k▲
Equity10/15€7k€2k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-1k€-6k▼
Amounts payable17/49€106k€236k▲
Amounts payable after more than one year17€13k€102k▲
Financial debts170/4€13k€102k▲
Amounts payable within one year42/48€93k€130k▲
Current portion of amounts payable after more than one year42€9k€12k▲
Financial debts43€6€30k▲
Credit institutions430/8€6€30k▲
Other loans439€0-
Trade debts44€17k€36k▲
Suppliers440/4€17k€36k▲
Taxes, remuneration and social security45€3k€26k▲
Taxes450/3€3k€26k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€63k€27k▼
Accrued charges and deferred income492/3€833€5k▲
Income statement
Code20242025
Non-recurring operating income76A€50k€1k▼
Remuneration, social security and pensions62€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€20k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€8k
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€44k€4k▼
Gross operating margin9900€168k€37k▼
Operating profit (loss)9901€105k€3k▼
Financial income75/76B€1€9▲
Recurring financial income75€1€9▲
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€103k€-4k▼
Income taxes67/77€878€712▼
Profit (loss) for the period9904€102k€-4k▼
Profit (loss) for the period to be appropriated9905€102k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-6k▼
Profit (loss) brought forward from the previous period14P€-103k€-1k▲
The notes to these accounts (13 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
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2024
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
31-03
Financial
Back to profitnet €102k
Net result €102k after 2 loss-making years.
2023
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
31-03
Financial
Weakest financial yearnet €-65k
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2021
05-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Courcelles · 2 establishment units since 2018
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.
Rue Champ Falnuée(CO) 186180 CourcellesGround area
1,940 m²
Building footprint
1,698 m²
Volume, LiDAR
13,039 m³
3 parcels, Brussels, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
VINIG SPRL
since 20182.282.820.566
VINIG
since 20202.298.045.410
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0070/00Y003 | Brussels | 1,526 m² | 1 · 1,522 m² | 13.6 m · 2 fl. |
| 52322B0083/00F035 | Wallonia | 278 m² | 1 · 74 m² | 9.4 m · 3 fl. |
| 25112M0516/00C000 | Wallonia | 135 m² | 1 · 102 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900RHH2BOCKIGKU66
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 9,760 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2018
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47120Other non-specialised retail sale
47252Retail sale of beverages, general range
47910Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.