Equity
-€13,038
Debts exceed assets in financial year 2025.
VIRTUOUS
Lifetime
1 annual account with figurespeak -€23,767 (2025)
-€23,767
lowest -€23,038 (2025)
-€23,038
peak -€13,038 (2025)
-€13,038
€26,409
Board2 names since 2024
2 directorsBoon Invest and 1 other
Documentsfilings and deeds
23-06-202638 days before the deadline
2025abbreviated format
Loss of €23,038First year with figures
Key points
from the 2025 annual accountsDebts
€26,409 198% of the balance sheet
Suppliers 4%Taxes and wages 2%Other 95%
Of this, €1,409 falls due within a year.
Position in the sector
-97.5%
Lower solvency than 93% of companies in computer programming and consultancy. Sector median 46.4% · 3,406 companies.
Checked score
54
Fair
Financially stronger than 33% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 0.4%
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.5%▲ +0.1 percentage points vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.6%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%▼ -0.1 percentage points vs 04-2026
06-2026: 0.6%▲ +0.1 percentage points vs 05-2026highest value
07-2026: 0.3%▼ -0.3 percentage points vs 06-2026lowest value
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€13,038
Loss of €23,038 (financial year 2025)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: turnover €10,500, total assets €13,371
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 3% of them on solvency, 92% on liquidity and 5% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as VIRTUOUS has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VIRTUOUS itself is lower: 0.3% within 12 months. It rests on far more data about VIRTUOUS than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for VIRTUOUS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is ample, with a current ratio of 9.49, above the usual 1.5. Short-term debt is 10.5% and cash 43.9% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
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 23-06-2026, 38 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
38 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- CARTHEA founderdeed of 23-07-2024
- BOON INVEST founderdeed of 23-07-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1011768101
Incorporation
Founding capital of €10,000, 2,000 shares · Founders: CARTHEA and BOON INVEST · Appointments: CARTHEA (director) and BOON INVEST (director) · published on 23-07-2024 · Gazette deed
First establishment
Gen.Geneesheer Derachelaan 153, Ixelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VIRTUOUS Ixelles | €10,500 | - | -97.5% | - |
| ICM CONSULT Wemmel | - | - | 65.7% | - |
| Kevlar77 Ixelles | - | - | 37.5% | - |
| Emis Brussels | - | - | -138.3% | - |
| CLAIRSOFT Sint-Gillis (bij-Brussel) | - | - | 65.2% | - |
| EQUINOXCONNECT Auderghem | €1,840 | 65.8% | 67.9% | - |
| WORLD TECHNOLOGY CENTRE Brussels | - | - | -35.5% | - |
These companies have the same main activity as VIRTUOUS: other information technology and computer services (NACE 62900). They are comparable in size and age: total assets between €9,150 and €18,400, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 19-07-2024Normal situation
- Activity
- Other information technology and computer servicesNACE 62900and 4 others
- Establishment unit
- 2.362.042.0501050 Ixelles, since 19-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 06-01-2026
Annual accounts 2025
- €13,371
- Filing
- Filed on 23-06-2026, 38 days before the end of the filing period
Insights on VIRTUOUS
VIRTUOUS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€13,038) and a net result of -€23,038.
Its solvency ranks better than 7% of 3,406 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VIRTUOUS
- What is the company number of VIRTUOUS?
- The company number of VIRTUOUS is 1011.768.101. The VAT number is the same number with BE in front: BE 1011.768.101.
- Where is VIRTUOUS based?
- The registered office is at Gen.Geneesheer Derachelaan 153, 1050 Ixelles.Company details
- What does VIRTUOUS do?
- According to the KBO register, the main activity is other information technology and computer services (NACE 62900).
- What is the legal form of VIRTUOUS?
- VIRTUOUS is a private limited company (BV).
- When was VIRTUOUS founded?
- VIRTUOUS was founded on 19-07-2024.
- Is VIRTUOUS still active?
- Yes, VIRTUOUS is an active enterprise in the KBO register.
- What is the turnover of VIRTUOUS?
- The turnover of VIRTUOUS was €10,500 in financial year 2025, according to the filed annual accounts.Financials
- Is VIRTUOUS profitable?
- In financial year 2025, VIRTUOUS made a loss of €23,038.
- Where can I find the annual accounts of VIRTUOUS?
- VIRTUOUS filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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