Equity
-€13,038
Debts exceed assets in financial year 2025.
VIRTUOUS
Overview
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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
- €10,500
- €23,038
- -€13,038
- €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.
Financials
Annual accounts 2025
abbreviated format, filed on 23-06-2026, 38 days before the deadline€10,500
-€23,767
-
-
-97.5%
9.49
Money flows
turnover is 30.4% of income in 2025Balance sheet
balance sheet total €13,371 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
-97.5%
Higher than 7% of 3,406 companies in 2025.
9.49
Higher than 91% of 3,267 companies in 2025.
-172.3%
Lower than 95% of 3,315 companies in 2025.
VIRTUOUS
Middle half of the sector
80% of the sector
Abbreviated accounts in computer programming and consultancy (NACE 62)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
13,371 | |
29/58 |
13,371 | |
40/41 |
7,500 | |
40 |
7,500 | |
54/58 |
5,871 | |
| Balance sheet: equity and liabilities | ||
10/49 |
13,371 | |
10/15 |
-13,038 | |
10/11 |
10,000 | |
10 |
10,000 | |
100 |
10,000 | |
14 |
-23,038 | |
17/49 |
26,409 | |
17 |
25,000 | |
178/9 |
25,000 | |
42/48 |
1,409 | |
44 |
1,009 | |
440/4 |
1,009 | |
45 |
400 | |
450/3 |
400 | |
| Income statement | ||
70 |
10,500 | |
9900 |
-23,767 | |
60/61 |
34,267 | |
9901 |
-23,767 | |
75/76B |
1,000 | |
75 |
1,000 | |
65/66B |
271 | |
65 |
271 | |
9903 |
-23,038 | |
9904 |
-23,038 | |
9905 |
-23,038 | |
| Appropriation of the result | ||
9906 |
-23,038 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 23-06-2026 | 2026-00195847 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 11,962 | ||
| -97.5% | ||
| 9.49 | ||
| -172.3% | ||
| 261 days | ||
| 11 days |
EBIT margin. Not meaningful: turnover is only a small part of operating income.
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on VIRTUOUS
Equity is negative. Debt (€26,409) exceeds the balance-sheet total (€13,371).
Board & ownership
Board
2 directors, since incorporationBoon Invest Comm.V
Director, permanent representative BOON David
appointed by deed of 23-07-2024
term without a fixed end
CARTHEA BV
Director, permanent representative DELFORGE Denis
appointed by deed of 23-07-2024
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “faculté de déléguer partie de ceux-ci. Lorsque la société est administrée par plusieurs administrateurs, chaque administrateur a le pouvoir…”deed of 23-07-2024
Permanent representatives 2
Mandates through the years
2 names, the dashed line is todayBoon Invest
Director
Director
CARTHEA
Director
Director
Board
Mandates as a list
- Boon Invest
- Director, appointed by deed of 23-07-2024, still in office
- CARTHEA
- Director, appointed by deed of 23-07-2024, still in office
Control
Capital
- Contribution
- €10,000
- Shares
- 2,000
- Contribution per share
- €5
- Equity per share
- -€6.52 in 2025
- Source
- deed of 23-07-2024
Articles of association
deed of 23-07-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of June at 11:00
Founders
At incorporation
deed of 23-07-2024 ↗
- CARTHEA (BE 0563.661.060) founder
- BOON INVEST (BE 0672.575.630) founder
Capital transactions
Capital over time
- 23-07-2024 Incorporation · €10,000 · 2,000 shares
- 23-07-2024 Incorporation · €10,000
Network & group
No group
VIRTUOUS has no parent and no holdings in its annual accounts.
Connections & network
2 current directorsThe network lets you explore the ties of VIRTUOUS.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBabbreviated format · 38 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1011768101
2024
IncorporationFounding capital of €10,000, 2,000 shares · Founders: CARTHEA and BOON INVEST · Appointments: CARTHEA (director) and BOON INVEST (director) · published on 23-07-202410 points ▸
- Founder, CARTHEA
- Founder, BOON INVEST
- Founding capital, €10,000, 2,000 shares
- Founding capital, €10,000
- Board rule, 2
- Director appointment, CARTHEA
- Permanent representative, DELFORGE Denis, mentioned twice in the deed
- Director appointment, BOON INVEST
- Permanent representative, BOON David
- Registered office clause, Avenue Général Médecin Derache 153, 1050 Bruxelles
- The deed holds 6 more points.
First establishment Gen.Geneesheer Derachelaan 153, Ixelles
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1011.768.101
- VAT number
- BE 1011.768.101
- Peppol ID
- 0208:1011768101
- Other Peppol ID
- 9925:BE1011768101
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 19-07-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of June at 11:00deed of 23-07-2024 (in French)
- Website
- www.virtuous.events
- Peppol
- Reachable since 06-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- VIRTUOUS in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 23-07-2024 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 23-07-2024 (in French)
Activities
NACEBEL 202562900
Other information technology and computer services main activity
Codes under NACEBEL 2008
62090
Computer programming, consultancy and related activities main activity
62020
IT consultancy
63110
Computing infrastructure, data processing, hosting and other information service activities
74909
Other professional, scientific and technical activities
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Accompagner les particuliers et entreprises pour décarboniser leurs participations à des…”deed of 23-07-2024 (in French)
18 activities
- Accompagner les particuliers et entreprises pour décarboniser leurs participations à des évènements,salons,congrès,conférences,concerts,festivals,évènements sportifs ou tout autre type de manifestations à l’aide de solutions de mobilité et de transport,d’hébergements,de gestion des déchets,d’énergie,de solution de catering et de restauration,d’infrastructure et de compensation ou toute autre solution visant à réduire les émissions de carbone.
- Accompagner les entreprises pour développer et certifier des projets et solutions visant à réduire les émissions carbones de leurs activités.
- Mettre à la disposition des particuliers et entreprises une plateforme digitale pour leur permettre de mesurer,de compenser et de piloter leur empreinte carbone.
- Mettre à la disposition des entreprises une plateforme digitale pour leur permettre de proposer leurs projets et solutions de réduction des émissions à des acheteurs potentiels.
- La prestation de services et d’activités connexes ou liées virtuelles et physiques incluant non exclusivement : l’organisation d’évènements,le coaching,le conseil,l’achat,la vente,la location,la formation,le transport,la gestion,la production,la manufacture et la représentation.
- Toute activité de consultance au sens large,et plus particulièrement de conseils aux entreprises.
- L'acquisition de participations,sous quelque forme que ce soit,dans toutes sortes de personnes morales et sociétés existantes ou à constituer,la stimulation,la planification,la coordination,le développement de et l'investissement dans des personnes morales et des entreprises dans lesquelles elle a une participation ou non.
- L'octroi de prêts et d'ouvertures de crédit à des personnes morales et à des entreprises ou à des particuliers,sous quelque forme que ce soit;dans ce cadre,elle peut également se porter garante ou donner son aval,au sens le plus large,procéder à toutes sortes d'opérations commerciales et financières,à l'exclusion de celles qui sont réservées par la loi à des banques de dépôt,à des dépositaires à court terme,à des caisses d'épargne,à des sociétés hypothécaires et à des entreprises de capitalisation.
- Donner des conseils en matière stratégique et environnementale.
- Donner de l'aide et procurer des services,que ce soit directement ou indirectement,en matière d'administration et de finances,de vente,de production et d'administration générale,le coaching d’entreprises.
- Développer,acheter,vendre,prendre en licence ou donner des brevets,du savoir-faire et d'autres immobilisations incorporelles durables et annexes.
- La réalisation de tous travaux d'auditing,de management,d’étude,de contrôle,de surveillance,d’expertise,de mission ou d’assistance en matière environnementale,financière,administrative,fiscale,sociale et juridique ainsi que dans le domaine de la création,l'organisation,l'exploitation et le fonctionnement des entreprises au point de vue financier,administratif,commercial,technique ou autres.
- L'achat et la vente,l'importation et l'exportation,la commission et la représentation de tout biens généralement quelconques,en bref,agir comme intermédiaire commercial.
- La recherche,le développement,la fabrication ou la commercialisation de nouveaux produits,de nouvelles formes de technologies et leurs applications.
- Dispenser des formations professionnelles (sustainability,…) pour des entreprises et/ou étudiants.
- Fournir des garanties réelles ou personnelles au profit de tiers.
- Le développement,la gestion productive et la valorisation,au sens le plus large,de son patrimoine comprenant tant des biens et droits immobiliers que mobiliers.
- Dans le cadre de cette gestion et de cette valorisation,la société peut acquérir,aliéner,donner et prendre en location tous biens et droits mobiliers ou immobiliers ainsi que constituer tous droits,faire tout emprunt et accorder tout crédit,hypothécaire ou non,accomplir tout acte et de disposition ou d’administration,cette énumération n’étant pas limitative.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Gen.Geneesheer Derachelaan 153 registered office 1050 Ixelles | 19-07-2024 | 2.362.042.050 |
Contact
E-mail
info@virtuous.events