VIRGILE
ActiveVIRGILE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €16k. Equity is shrinking by ~14.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 66% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency79▲+23
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.27 in 2024; short-term debt: 46.5% and cash: 3.8% of total assets), and 46.5% 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 · 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
53.5%
Return on assets
42.6%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €20k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-01-2026, 7 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
7 d early
2024
2 d late
2023
38 d early
2022
on the day
2021
on the day
2020
23 d late
2019
12 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 390%
2024 · €4k
2019: €17k
2020: €15k
2021: €20k
2022: €18k
2023: €7k
2024: €4k
2019 → 2025
Total assets
€38k▲ 180%
2024 · €14k
2019: €69k
2020: €39k
2021: €52k
2022: €29k
2023: €18k
2024: €14k
2019 → 2025
Net result
€16k
2024 · €-3k
2019: €9k
2020: €-3k
2021: €6k
2022: €-3k
2023: €-10k
2024: €-3k
2019 → 2025
Working capital
€20k▲ 671%
2024 · €3k
2019: €32k
2020: €22k
2021: €28k
2022: €15k
2023: €4k
2024: €3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€18k▼ 13.5%€7k▼ 59.4%€4k▼ 41.4%€20k▲ 390%
Operating result€8k-€-3k€-10k▼ 275%€-3k▲ 69.8%€16k
Net result€6k-€-3k€-10k▼ 279%€-3k▲ 71.6%€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€433▼ 72.6%
Current assets
€38k▲ 213%
Equity and liabilities €38k
Equity
€20k▲ 390%
Debt
€18k▲ 87.5%
The debt ratio falls from 69.4% to 46.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€17k▲
2024 · €-2k
Cash flow
€17k▲
2024 · €-2k
Solvency
53.5%▲
2024 · 30.6%
Current ratio
2.13▲
2024 · 1.27
Quick ratio
2.13▲
2024 · 0.80
Debt / equity
0.87▼
2024 · 2.27
ROE
79.6%▲
2024 · -70.7%
ROA
42.6%▲
2024 · -21.6%
Debt
€18k▲
2024 · €9k
Debt ≤ 1 year
€18k▲
2024 · €9k
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€14k€38k▲
Fixed assets21/28€2k€433▼
Tangible fixed assets22/27€2k€433▼
Furniture and vehicles24€2k€433▼
Current assets29/58€12k€38k▲
Amounts receivable after more than one year29€138€138=
Other amounts receivable291€138€138=
Stocks and contracts in progress3€5k-
Stocks30/36€5k-
Amounts receivable within one year40/41€2k€36k▲
Trade receivables40€2k€36k▲
Other amounts receivable41€21-
Cash at bank and in hand54/58€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€14k€38k▲
Equity10/15€4k€20k▲
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Profit (loss) carried forward14€-16k€485▲
Amounts payable17/49€9k€18k▲
Amounts payable within one year42/48€9k€18k▲
Trade debts44€1k€613▼
Suppliers440/4€1k€613▼
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€5k€12k▲
Other amounts payable47/48€3k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Gross operating margin9900€-2k€17k▲
Operating profit (loss)9901€-3k€16k▲
Profit (loss) for the period before taxes9903€-3k€16k▲
Profit (loss) for the period9904€-3k€16k▲
Profit (loss) for the period to be appropriated9905€-3k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€485▲
Profit (loss) brought forward from the previous period14P€-13k€-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
24-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
02-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2023
24-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
12-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
13-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Genesius-Rode · 1 establishment unit since 2017
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.
Koningsplein 91640 Sint-Genesius-RodeGround area
2,263 m²
Building footprint
646 m²
Volume, LiDAR
17,134 m³
2 parcels, Brussels, Flanders · tallest building 34.6 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
VIRGILE
since 20172.264.016.622
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0544/00A000 | Brussels | 1,957 m² | 1 · 503 m² | 34.6 m · 11 fl. |
| 22004C0226/00T000 | Flanders | 306 m² | 1 · 143 m² | 11.1 m · 2 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.
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Of 12,962 companies in sector 47120 we hold annual accounts for 2,186. 1,398 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2017
Fiscal year end30-06
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
13930Manufacture of textiles
47791Retail sale of antiques
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.