VIRTAND
ActiveSummary
VIRTAND has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €425k and a net result of €131k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 55% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+16
Solvency94▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 8.51 against 1.73 in 2024; short-term debt: 4.9% and cash: 27.7% of total assets), and 31.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
68.6%
Return on assets
21.1%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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
11 d late
2024
10 d early
2023
1 d early
2022
31 d late
2021
3 d early
2020
5 d early
2019
42 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€425k▲ 22.4%
2024 · €347k
2018: €135k
2019: €179k
2020: €187k
2021: €234k
2022: €306k
2023: €300k
2024: €347k
2018 → 2025
Total assets
€619k▲ 4.7%
2024 · €591k
2018: €290k
2019: €375k
2020: €385k
2021: €392k
2022: €464k
2023: €434k
2024: €591k
2018 → 2025
Net result
€131k▲ 178%
2024 · €47k
2018: €9k
2019: €44k
2020: €8k
2021: €47k
2022: €72k
2023: €37k
2024: €47k
2018 → 2025
Working capital
€227k▲ 423%
2024 · €43k
2018: €73k
2019: €66k
2020: €70k
2021: €71k
2022: €112k
2023: €111k
2024: €43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€306k▲ 30.7%€300k▼ 1.9%€347k▲ 15.7%€425k▲ 22.4%
Operating result€71k-€106k▲ 49.7%€58k▼ 45.2%€77k▲ 32.1%€198k▲ 158%
Net result€47k-€72k▲ 53.3%€37k▼ 47.9%€47k▲ 25.9%€131k▲ 178%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 158% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €619k
Fixed assets
€362k ▼ 25.8%
Current assets
€257k ▲ 150%
Equity and liabilities €619k
Equity
€425k ▲ 22.4%
Debt
€194k ▼ 20.4%
Debt's share of the balance-sheet total falls from 41.3% to 31.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€229k▲
2024 · €133k
Cash flow
€162k▲
2024 · €103k
Current ratio
8.51▲
2024 · 1.73
Debt to equity
0.46▼
2024 · 0.70
ROE
30.8%▲
2024 · 13.6%
ROA
21.1%▲
2024 · 8.0%
Interest coverage
23.59▲
2024 · 13.23
Debt ≤ 1 year
€30k▼
2024 · €60k
Debt > 1 year
€162k▼
2024 · €184k
Income taxes
€58k▲
2024 · €20k
Staff costs
€11k▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€591k€619k▲
Fixed assets21/28€488k€362k▼
Tangible fixed assets22/27€488k€362k▼
Land and buildings22€407k€348k▼
Plant, machinery and equipment23€73k€9k▼
Furniture and vehicles24€6k€2k▼
Other tangible fixed assets26€2k€2k=
Current assets29/58€103k€257k▲
Amounts receivable within one year40/41€31k€77k▲
Trade receivables40€2k€20k▲
Other amounts receivable41€29k€56k▲
Cash at bank and in hand54/58€51k€172k▲
Deferred charges and accrued income490/1€21k€8k▼
Equity and liabilities
Total equity and liabilities10/49€591k€619k▲
Equity10/15€347k€425k▲
Contributions10/11€12k€12k=
Reserves13€266k€344k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€264k€342k▲
Profit (loss) carried forward14€69k€69k=
Amounts payable17/49€244k€194k▼
Amounts payable after more than one year17€184k€162k▼
Financial debts170/4€184k€162k▼
Amounts payable within one year42/48€60k€30k▼
Current portion of amounts payable after more than one year42€41k€24k▼
Trade debts44€7k-
Suppliers440/4€7k-
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€5k€6k▲
Remuneration and social security454/9€6k-
Accrued charges and deferred income492/3€599€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€17k
Remuneration, social security and pensions62€19k€11k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€31k▼
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A-€82k
Gross operating margin9900€155k€327k▲
Operating profit (loss)9901€77k€198k▲
Financial income75/76B€2€34▲
Recurring financial income75€2€34▲
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€67k€189k▲
Income taxes67/77€20k€58k▲
Profit (loss) for the period9904€47k€131k▲
Profit (loss) for the period to be appropriated9905€47k€131k▲
Appropriation of the result
Profit (loss) to be appropriated9906€116k€200k▲
Profit (loss) brought forward from the previous period14P€69k€69k=
Transfer from equity791/2-€53k
Transfer to equity691/2€47k€131k▲
To other reserves6921€47k€131k▲
Profit to be distributed694/7-€53k
Return on contributions (dividend)694-€53k
The notes to these accounts (8 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Highest result since 2018net €131k ▲178%
Operating result €198k, net result €131k, both a record.
31-12
Financial
Liquidity times 5current ratio 8.51
Current ratio from 1.73 to 8.51; short-term debt falls from €60k to €30k.
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €234k ▲25%
4 profitable years in a row build equity to €234k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €8k ▼82.3%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
31-12
Financial
Equity above €150kEq €179k ▲32.5%
2 profitable years in a row build equity to €179k.
Show earlier events
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brasschaat · 1 establishment unit since 2006
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.
Kapelsesteenweg 2822930 BrasschaatGround area
1,295 m²
Building footprint
149 m²
Volume, LiDAR
967 m³
Parcel 11322E0580/00A000, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kapelsesteenweg 282, 2930 Brasschaat
since 20062.231.124.219
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11322E0580/00A000 | Flanders | 1,295 m² | 1 · 148 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
984500B7TB914E540622
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,571 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2006
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:virdeno2412@gmail.com
Phone:0495705278