Virtibo
ActiveVirtibo has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €35k. Equity is growing by ~60.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 11.02 against 5.93 in 2024; short-term debt: 8.8% and cash: 65.8% of total assets), and 8.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
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
91.1%
Return on assets
35.8%
Age of the figures
9 mo
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 27-05-2026, 65 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
65 d early
2024
16 d early
2023
17 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 64.8%
2024 · €55k
2023: €24k
2024: €55k
2023 → 2025
Total assets
€99k▲ 51.9%
2024 · €65k
2023: €28k
2024: €65k
2023 → 2025
Net result
€35k▲ 14.2%
2024 · €31k
2023: €21k
2024: €31k
2023 → 2025
Working capital
€87k▲ 71.0%
2024 · €51k
2023: €22k
2024: €51k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€24k-€55k▲ 131%€90k▲ 64.8%
Operating result€27k-€45k▲ 62.2%€47k▲ 4.9%
Net result€21k-€31k▲ 50.1%€35k▲ 14.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€3k▼ 23.3%
Current assets
€96k▲ 56.3%
Equity and liabilities €99k
Equity
€90k▲ 64.8%
Debt
€9k▼ 15.8%
The debt ratio falls from 16.0% to 8.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▲
2024 · €45k
Cash flow
€36k▲
2024 · €32k
Solvency
91.1%▲
2024 · 84.0%
Current ratio
11.02▲
2024 · 5.93
Quick ratio
11.02▲
2024 · 5.93
Debt / equity
0.10▼
2024 · 0.19
ROE
39.3%▼
2024 · 56.7%
ROA
35.8%▼
2024 · 47.6%
Interest coverage
32.00▲
2024 · 26.02
Debt
€9k▼
2024 · €10k
Debt ≤ 1 year
€9k▼
2024 · €10k
Income taxes
€10k▼
2024 · €12k
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€65k€99k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€875€324▼
Current assets29/58€62k€96k▲
Amounts receivable after more than one year29€13k€12k▼
Other amounts receivable291€13k€12k▼
Amounts receivable within one year40/41€16k€17k▲
Trade receivables40€15k€11k▼
Other amounts receivable41€309€6k▲
Current investments50/53-€1k
Cash at bank and in hand54/58€31k€65k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€65k€99k▲
Equity10/15€55k€90k▲
Contributions10/11€3k€3k=
Reserves13€52k€87k▲
Distributable reserves133€52k€87k▲
Amounts payable17/49€10k€9k▼
Amounts payable within one year42/48€10k€9k▼
Financial debts43-€14
Credit institutions430/8-€14
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€6k€7k▲
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€193€0▼
Accrued charges and deferred income492/3€66€67▲
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€756€848▲
Other operating charges640/8€506€818▲
Gross operating margin9900€46k€48k▲
Operating profit (loss)9901€45k€47k▲
Financial income75/76B€325€471▲
Recurring financial income75€325€471▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€43k€46k▲
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€31k€35k▲
Profit (loss) for the period to be appropriated9905€31k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€35k▲
Transfer to equity691/2€31k€35k▲
To the legal reserve6920€0-
To other reserves6921€31k€35k▲
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
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €35k ▲14.2%
Operating result €47k, net result €35k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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, Laakdal · 1 establishment unit since 2022
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.
Achter de Bergen 112430 LaakdalGround area
3,187 m²
Building footprint
251 m²
Volume, LiDAR
1,099 m³
2 parcels, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Virtibo
since 20222.339.862.407
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13007A0229/00R000 | Flanders | 2,864 m² | 1 · 129 m² | 7.1 m · 2 fl. |
| 13025G0494/00N003 | Flanders | 324 m² | 1 · 122 m² | 6.9 m · 1 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.
Similar companies · same sector, comparable size
Kaltech Solutions
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FELSPAR
BE 0637.724.817
Oud-Heverlee · Eq €90k
CAPTAIN CODE SOLUTIONS
BE 1005.815.467
Houthalen-Helchteren · Eq €90k
CRAEGHS CONSULTING SERVICES
BE 0555.747.741
Boutersem · Eq €90k
PILCRAFT
BE 0801.095.086
Vorst · Eq €90k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.