VIRTUOZ
ActiveSummary
VIRTUOZ has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €12k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 35% of 2304 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+12
Solvency35▲+4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.34 against 0.31 in 2024; short-term debt: 63.5% and cash: 15.8% of total assets), and 89.7% 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 93
Relative position
BE, all sectors
reference
Sector 93
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
10.3%
Return on assets
3.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
67 d late
2023
55 d late
2022
24 d early
2021
16 d late
2020
16 d late
2019
26 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
Turnover
€155k
EBIT margin
4.2%
Net result
€12k
2024 · €-27k
2019: €30k
2020: €-26k
2021: €-9k
2022: €9k
2023: €16k
2024: €-27k
2019 → 2025
Working capital
€-151k▲ 29.5%
2024 · €-215k
2019: €-212k
2020: €-84k
2021: €-56k
2022: €58k
2023: €-125k
2024: €-215k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€155k
Equity€31k-€37k▲ 20.7%€50k▲ 35.5%€28k▼ 43.9%€37k▲ 32.6%
Operating result€-11k-€7k€15k▲ 135%€-28k€12k
Net result€-9k-€9k€16k▲ 73.5%€-27k€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €28k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €362k
Fixed assets
€283k ▼ 16.0%
Current assets
€78k ▼ 18.9%
Equity and liabilities €362k
Equity
€37k ▲ 32.6%
Debt
€324k ▼ 20.1%
Debt's share of the balance-sheet total falls from 93.5% to 89.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▲
2024 · €38k
Cash flow
€92k▲
2024 · €39k
Current ratio
0.34▲
2024 · 0.31
Quick ratio
0.34▲
2024 · 0.31
Debt to equity
8.68▼
2024 · 14.41
ROE
32.4%▲
2024 · -94.4%
ROA
3.3%▲
2024 · -6.1%
Interest coverage
32.81▲
2024 · 16.96
Debt ≤ 1 year
€230k▼
2024 · €311k
Debt > 1 year
€95k=
2024 · €95k
Staff costs
€85k▲
2024 · €49k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€434k€362k▼
Fixed assets21/28€338k€283k▼
Intangible fixed assets21€194k€148k▼
Tangible fixed assets22/27€132k€124k▼
Plant, machinery and equipment23€14k€11k▼
Furniture and vehicles24€19k€16k▼
Other tangible fixed assets26€99k€97k▼
Financial fixed assets28€12k€12k=
Current assets29/58€97k€78k▼
Stocks and contracts in progress3€288€288=
Stocks30/36€288€288=
Amounts receivable within one year40/41€62k€17k▼
Trade receivables40€43k-
Other amounts receivable41€19k€17k▼
Cash at bank and in hand54/58€31k€57k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€434k€362k▼
Equity10/15€28k€37k▲
Contributions10/11€18k€18k=
Profit (loss) carried forward14€-7k€5k▲
Investment grants15€18k€15k▼
Amounts payable17/49€406k€324k▼
Amounts payable after more than one year17€95k€95k=
Other amounts payable178/9€95k€95k=
Amounts payable within one year42/48€311k€230k▼
Trade debts44€53k€4k▼
Suppliers440/4€53k€4k▼
Taxes, remuneration and social security45€10k€18k▲
Taxes450/3€224€5k▲
Remuneration and social security454/9€10k€13k▲
Other amounts payable47/48€248k€207k▼
Income statement
Code20242025
Remuneration, social security and pensions62€49k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€80k▲
Other operating charges640/8€640€799▲
Gross operating margin9900€87k€178k▲
Operating profit (loss)9901€-28k€12k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-27k€12k▲
Profit (loss) for the period9904€-27k€12k▲
Profit (loss) for the period to be appropriated9905€-27k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€5k▲
Profit (loss) brought forward from the previous period14P€20k€-7k▼
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
31-12
Financial
Weakest financial yearnet €-27k ▼265%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
31-12
Financial
Liquidity times 9current ratio 4.47
Current ratio from 0.52 to 4.47; short-term debt falls from €117k to €17k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Waterloo · 2 establishment units since 2019
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.
Chaussée de Bruxelles 4951410 WaterlooGround area
2,625 m²
Building footprint
2,045 m²
Volume, LiDAR
13,970 m³
2 parcels, Brussels, Wallonia · tallest building 16.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
VIRTUOZ
since 20192.291.304.108
ZERO LATENCY Waterloo
since 20242.362.789.742
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764O0073/00A000 | Wallonia | 2,168 m² | 1 · 1,588 m² | 10.2 m · 2 fl. |
| 21445C0268/00M005 | Brussels | 457 m² | 1 · 457 m² | 16.4 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
ALLURE
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ART ET PLANTATIONS
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De magische droom
BE 0631.803.461
Gavere · Eq €37,264
VEVEDEA
BE 0682.404.106
Assesse · Eq €37,532
Tully Tech
BE 1005.751.131
Lanaken · Eq €37,818
Of 6,728 companies in sector 93299 we hold annual accounts for 1,168. 891 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
Founded09-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
93299Other amusement and recreation activities
61100Wired, wireless and satellite telecommunications
62100Computer programming
74202Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:virtuozbe@gmail.com