VIS-IMMO
ActiveVIS-IMMO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €31k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-6
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 23.32 against 13.45 in 2024; short-term debt: 4.3% and cash: 99.3% of total assets), and 4.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
95.7%
Return on assets
13.6%
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 08-06-2026, 53 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
53 d early
2024
56 d early
2023
29 d early
2022
21 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€218k▲ 16.6%
2024 · €187k
2022: €93k
2023: €149k
2024: €187k
2022 → 2025
Total assets
€228k▲ 12.8%
2024 · €202k
2022: €122k
2023: €165k
2024: €202k
2022 → 2025
Net result
€31k▼ 18.0%
2024 · €38k
2022: €90k
2023: €57k
2024: €38k
2022 → 2025
Working capital
€218k▲ 17.0%
2024 · €186k
2022: €92k
2023: €147k
2024: €186k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€93k-€149k▲ 60.9%€187k▲ 25.4%€218k▲ 16.6%
Operating result€116k-€72k▼ 37.8%€44k▼ 38.4%€36k▼ 18.4%
Net result€90k-€57k▼ 37.1%€38k▼ 32.8%€31k▼ 18.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 18% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€372▼ 59.5%
Current assets
€228k▲ 13.2%
Equity and liabilities €228k
Equity
€218k▲ 16.6%
Debt
€10k▼ 34.7%
The debt ratio falls from 7.4% to 4.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €45k
Cash flow
€32k▼
2024 · €39k
Solvency
95.7%▲
2024 · 92.6%
Current ratio
23.32▲
2024 · 13.45
Quick ratio
23.32▲
2024 · 13.45
Debt / equity
0.04▼
2024 · 0.08
ROE
14.3%▼
2024 · 20.3%
ROA
13.6%▼
2024 · 18.8%
Interest coverage
665.55▼
2024 · 839.01
Debt
€10k▼
2024 · €15k
Debt ≤ 1 year
€10k▼
2024 · €15k
Income taxes
€9k▼
2024 · €10k
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€202k€228k▲
Fixed assets21/28€918€372▼
Tangible fixed assets22/27€918€372▼
Furniture and vehicles24€918€372▼
Current assets29/58€201k€228k▲
Amounts receivable within one year40/41€1k€1k▼
Other amounts receivable41€1k€1k▼
Cash at bank and in hand54/58€200k€227k▲
Equity and liabilities
Total equity and liabilities10/49€202k€228k▲
Equity10/15€187k€218k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€184k€215k▲
Amounts payable17/49€15k€10k▼
Amounts payable within one year42/48€15k€10k▼
Trade debts44€568€2k▲
Suppliers440/4€568€2k▲
Taxes, remuneration and social security45€14k€7k▼
Taxes450/3€14k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€546▼
Other operating charges640/8€245-
Gross operating margin9900€46k€37k▼
Operating profit (loss)9901€44k€36k▼
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€54€55▲
Recurring financial charges65€54€55▲
Profit (loss) for the period before taxes9903€48k€40k▼
Income taxes67/77€10k€9k▼
Profit (loss) for the period9904€38k€31k▼
Profit (loss) for the period to be appropriated9905€38k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€184k€215k▲
Profit (loss) brought forward from the previous period14P€146k€184k▲
The notes to these accounts (4 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €31k ▼18%
Net result drops to €31k, the lowest in the series.
31-12
Financial
Equity above €200kEq €218k ▲16.6%
4 profitable years in a row build equity to €218k.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €187k ▲25.4%
3 profitable years in a row build equity to €187k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 10.20
Current ratio from 4.09 to 10.20; short-term debt falls from €30k to €16k.
31-12
Financial
Equity above €100kEq €149k ▲60.9%
2 profitable years in a row build equity to €149k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Visé · 1 establishment unit since 2021
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.
Rue de Lanaye(LAN) 714600 ViséGround area
1,273 m²
Building footprint
121 m²
Parcel 62061B1467/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
VIS-IMMO
since 20212.319.063.330
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62061B1467/00P000 | Wallonia | 1,273 m² | 1 · 121 m² | - |
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.
Similar companies · same sector, comparable size
FRANCE
BE 0762.528.975
Ellezelles · Eq €219k
Agentschap Van Maldeghem
BE 0682.627.602
Koksijde · Eq €219k
LS PROJECTS
BE 0728.995.283
Nieuwpoort · Eq €219k
IMMOBILIERE ELLIPSE
BE 0455.682.640
Tournai · Eq €218k
BIENO
BE 0464.728.879
Lendelede · Eq €218k
Of 11,750 companies in sector 68310 we hold annual accounts for 6,907. 5,143 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2021
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.