Virtuous O
ActiveVirtuous O has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €28k. Its solvency ranks better than 54% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency98
Growth-
Stability67
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.52), and 39.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
60.3%
Return on assets
55.3%
Age of the figures
8 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 03-07-2026, 28 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
28 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€30k
Total assets
€50k
Net result
€28k
Working capital
€30k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €50k
Equity
€30k
Debt
€20k
Debt finances 39.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€37k
Cash flow
€30k
Solvency
60.3%
Current ratio
2.52
Quick ratio
2.52
Debt / equity
0.66
ROE
91.7%
ROA
55.3%
Interest coverage
702.29
Debt
€20k
Debt ≤ 1 year
€20k
Income taxes
€7k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€50k
Current assets29/58€50k
Amounts receivable within one year40/41€718
Trade receivables40€18
Other amounts receivable41€700
Cash at bank and in hand54/58€29k
Deferred charges and accrued income490/1€20k
Equity and liabilities
Total equity and liabilities10/49€50k
Equity10/15€30k
Contributions10/11€3k
Reserves13€28k
Distributable reserves133€28k
Amounts payable17/49€20k
Amounts payable within one year42/48€20k
Trade debts44€9k
Suppliers440/4€9k
Taxes, remuneration and social security45€10k
Taxes450/3€10k
Other amounts payable47/48€1k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Gross operating margin9900€37k
Operating profit (loss)9901€35k
Financial income75/76B€43
Recurring financial income75€43
Financial charges65/66B€53
Recurring financial charges65€53
Profit (loss) for the period before taxes9903€35k
Income taxes67/77€7k
Profit (loss) for the period9904€28k
Profit (loss) for the period to be appropriated9905€28k
Appropriation of the result
Profit (loss) to be appropriated9906€28k
Transfer to equity691/2€28k
To other reserves6921€28k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
13-08
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 01/05/2026
- Registered-office move, Rodenbachstraat 38, 1190 Vorst
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
State Gazette actNBB filing
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Vorst · 1 establishment unit since 2025
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.
Rodenbachstraat 381190 VorstGround area
171 m²
Building footprint
108 m²
Volume, LiDAR
1,559 m³
Parcel 21383B0088/00P005, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Virtuous O
since 20252.367.836.514
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0088/00P005 | Brussels | 171 m² | 1 · 108 m² | 19.6 m · 5 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 34,282 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:selim.vanbesie@gmail.com
Phone:+32487267844