VIO
ActiveVIO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €188k and a net result of €-64k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 35% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-15
Solvency49▼-2
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.9 against 0.95 in 2024; short-term debt: 56.1% and cash: 15.8% of total assets), and 75.9% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
62 d early
2023
47 d early
2022
52 d early
2021
31 d early
2020
39 d early
2019
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€188k▼ 25.5%
2024 · €252k
2018: €255k
2019: €286k
2020: €164k
2021: €173k
2022: €245k
2023: €252k
2024: €252k
2018 → 2025
Total assets
€780k▼ 20.0%
2024 · €975k
2018: €972k
2019: €1.07M
2020: €960k
2021: €798k
2022: €716k
2023: €1.12M
2024: €975k
2018 → 2025
Net result
€-64k
2024 · €275
2018: €-2k
2019: €32k
2020: €-122k
2021: €9k
2022: €72k
2023: €7k
2024: €275
2018 → 2025
Working capital
€-45k▼ 110%
2024 · €-21k
2018: €34k
2019: €18k
2020: €81k
2021: €-3k
2022: €-81k
2023: €-68k
2024: €-21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€245k▲ 41.4%€252k▲ 2.7%€252k▲ 0.1%€188k▼ 25.5%
Operating result€25k-€80k▲ 224%€37k▼ 54.1%€31k▼ 16.3%€-42k
Net result€9k-€72k▲ 716%€7k▼ 90.8%€275▼ 95.9%€-64k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €42k after €31k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €780k
Fixed assets
€387k▼ 30.2%
Current assets
€393k▼ 6.7%
Equity and liabilities €780k
Equity
€188k▼ 25.5%
Debt
€592k▼ 18.2%
The debt ratio rises from 74.2% to 75.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€122k▼
2024 · €216k
Cash flow
€100k▼
2024 · €185k
Solvency
24.1%▼
2024 · 25.8%
Current ratio
0.90▼
2024 · 0.95
Quick ratio
0.88▼
2024 · 0.93
Debt / equity
3.16▲
2024 · 2.87
ROE
-34.2%▼
2024 · 0.1%
ROA
-8.2%▼
2024 · 0.0%
Interest coverage
5.52▼
2024 · 6.73
Debt
€592k▼
2024 · €723k
Debt ≤ 1 year
€437k▼
2024 · €442k
Debt > 1 year
€155k▼
2024 · €281k
Income taxes
€175▼
2024 · €175
Staff costs
€385k▼
2024 · €459k
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€975k€780k▼
Fixed assets21/28€554k€387k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€549k€383k▼
Plant, machinery and equipment23€16k€5k▼
Furniture and vehicles24€147k€102k▼
Leasing and similar rights25€385k€276k▼
Financial fixed assets28€2k€2k▼
Current assets29/58€421k€393k▼
Stocks and contracts in progress3€11k€9k▼
Stocks30/36€11k€9k▼
Amounts receivable within one year40/41€176k€179k▲
Trade receivables40€175k€168k▼
Other amounts receivable41€1k€11k▲
Cash at bank and in hand54/58€131k€123k▼
Deferred charges and accrued income490/1€103k€82k▼
Equity and liabilities
Total equity and liabilities10/49€975k€780k▼
Equity10/15€252k€188k▼
Contributions10/11€32k€32k=
Reserves13€219k€155k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€210k€146k▼
Amounts payable17/49€723k€592k▼
Amounts payable after more than one year17€281k€155k▼
Financial debts170/4€281k€155k▼
Amounts payable within one year42/48€442k€437k▼
Current portion of amounts payable after more than one year42€100k€112k▲
Financial debts43€176k€178k▲
Credit institutions430/8€176k€178k▲
Trade debts44€79k€71k▼
Suppliers440/4€79k€71k▼
Taxes, remuneration and social security45€88k€76k▼
Taxes450/3€30k€34k▲
Remuneration and social security454/9€58k€42k▼
Income statement
Code20242025
Non-recurring operating income76A€97k€73k▼
Remuneration, social security and pensions62€459k€385k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€185k€164k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€18k
Other operating charges640/8€39k€42k▲
Gross operating margin9900€714k€567k▼
Operating profit (loss)9901€31k€-42k▼
Financial income75/76B€2k€226▼
Recurring financial income75€2k€226▼
Financial charges65/66B€32k€22k▼
Recurring financial charges65€32k€22k▼
Profit (loss) for the period before taxes9903€450€-64k▼
Income taxes67/77€175€175▼
Profit (loss) for the period9904€275€-64k▼
Profit (loss) for the period to be appropriated9905€275€-64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€275€-64k▼
Transfer from equity791/2-€64k
Transfer to equity691/2€275-
To other reserves6921€275-
Social balance
Average headcount (FTE)90877.56.3▼
The notes to these accounts (15 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €72k ▲716%
Operating result €80k, net result €72k, both a record.
31-12
Financial
Equity above €200kEq €245k ▲41.4%
2 profitable years in a row build equity to €245k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-122k ▼487%
Net result drops to €-122k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
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
1 act for this company is 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, Beveren-Kruibeke-Zwijndrecht · 3 establishment units since 2010
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.
Krijgsbaan 2412070 Beveren-Kruibeke-ZwijndrechtGround area
3.2 ha
Building footprint
9,145 m²
Volume, LiDAR
70,462 m³
3 parcels, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
VIO
since 20102.191.795.766
VIO
since 20102.191.797.152
VIO
since 20102.191.797.449
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0281/00P000 | Flanders | 2.8 ha | 1 · 7,757 m² | 10.1 m · 3 fl. |
| 11052C0201/00A003 | Flanders | 4,122 m² | 1 · 1,189 m² | 7.5 m · 2 fl. |
| 11056B0529/00W000 | Flanders | 544 m² | 1 · 199 m² | 5.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 3 entries · 6,687 EUR awarded · 6,588 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 489 EUR | 390 EUR |
| 2023 | 2 | 6,198 EUR | 6,198 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2010
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49420Removal services
52210Service activities incidental to land transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.