VisBende
ActiveVisBende has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182k and a net result of €-64k. Equity is shrinking by ~4% per year across the filed fiscal years. Its solvency ranks better than 25% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-5
Solvency48▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.54 in 2024; short-term debt: 36% and cash: 0.3% of total assets), and 77.4% 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-64k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
66 d early
2023
23 d early
2022
12 d early
2021
76 d early
2020
75 d early
2019
28 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€182k▼ 25.9%
2024 · €245k
2018: €264k
2019: €241k
2020: €288k
2021: €277k
2022: €276k
2023: €256k
2024: €245k
2018 → 2025
Total assets
€804k▲ 19.4%
2024 · €673k
2018: €664k
2019: €664k
2020: €667k
2021: €666k
2022: €631k
2023: €681k
2024: €673k
2018 → 2025
Net result
€-64k▼ 779%
2024 · €-7k
2018: €41k
2019: €-23k
2020: €65k
2021: €-8k
2022: €2k
2023: €-16k
2024: €-7k
2018 → 2025
Working capital
€-278k▼ 108%
2024 · €-134k
2018: €-185k
2019: €-186k
2020: €-213k
2021: €-177k
2022: €-162k
2023: €-163k
2024: €-134k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€277k-€276k▼ 0.4%€256k▼ 7.0%€245k▼ 4.2%€182k▼ 25.9%
Operating result€-2k-€11k€-4k€14k€-43k
Net result€-8k-€2k€-16k€-7k▲ 54.5%€-64k▼ 779%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €43k after €14k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €804k
Fixed assets
€793k▲ 54.0%
Current assets
€11k▼ 92.9%
Equity and liabilities €804k
Equity
€182k▼ 25.9%
Provisions
€22k▼ 11.8%
Debt
€600k▲ 48.9%
The debt ratio rises from 59.9% to 74.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€74k▲
2024 · €63k
Cash flow
€54k▲
2024 · €42k
Solvency
22.6%▼
2024 · 36.5%
Current ratio
0.04▼
2024 · 0.54
Quick ratio
0.04▼
2024 · 0.54
Debt / equity
3.30▲
2024 · 1.64
ROE
-35.0%▼
2024 · -2.9%
ROA
-7.9%▼
2024 · -1.1%
Interest coverage
2.86▲
2024 · 2.51
Debt
€600k▲
2024 · €403k
Debt ≤ 1 year
€289k▼
2024 · €293k
Debt > 1 year
€291k▲
2024 · €87k
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€673k€804k▲
Fixed assets21/28€515k€793k▲
Tangible fixed assets22/27€515k€793k▲
Land and buildings22€508k€788k▲
Plant, machinery and equipment23€1k€1k▲
Furniture and vehicles24€6k€3k▼
Current assets29/58€159k€11k▼
Amounts receivable within one year40/41€13k€4k▼
Trade receivables40€8k€3k▼
Other amounts receivable41€6k€2k▼
Current investments50/53€120k€0▼
Cash at bank and in hand54/58€22k€2k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€673k€804k▲
Equity10/15€245k€182k▼
Contributions10/11€135k€135k=
Reserves13€118k€109k▼
Tax-exempt reserves132€74k€66k▼
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€-7k€-62k▼
Provisions and deferred taxes16€25k€22k▼
Deferred taxes168€25k€22k▼
Amounts payable17/49€403k€600k▲
Amounts payable after more than one year17€87k€291k▲
Financial debts170/4€87k€291k▲
Amounts payable within one year42/48€293k€289k▼
Current portion of amounts payable after more than one year42€11k€26k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€579€62▼
Taxes450/3€579€62▼
Other amounts payable47/48€280k€258k▼
Accrued charges and deferred income492/3€23k€19k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€117k▲
Other operating charges640/8€12k€13k▲
Gross operating margin9900€75k€87k▲
Operating profit (loss)9901€14k€-43k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€25k€26k▲
Recurring financial charges65€25k€26k▲
Profit (loss) for the period before taxes9903€-10k€-67k▼
Transfer from deferred taxes780€3k€3k▲
Profit (loss) for the period9904€-7k€-64k▼
Transfer from tax-exempt reserves789€8k€9k▲
Profit (loss) for the period to be appropriated9905€937€-55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-62k▼
Profit (loss) brought forward from the previous period14P€-8k€-7k▲
Transfer from equity791/2€4k€0▼
Profit to be distributed694/7€4k€0▼
Return on contributions (dividend)694€4k€0▼
The notes to these accounts (9 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-64k
Net result drops to €-64k, the lowest in the series.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €65k
Net result €65k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 183 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Mechelen · 1 establishment unit since 2008
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.
Tessestraat 72800 MechelenGround area
567 m²
Building footprint
206 m²
Volume, LiDAR
2,348 m³
Parcel 12025D1037/00A000, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
VISBENDE
since 20082.173.219.870
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025D1037/00A000 | Flanders | 567 m² | 1 · 206 m² | 14.1 m · 4 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,051 EUR awarded · 1,051 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,051 EUR | 1,051 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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Of 5,694 companies in sector 70100 we hold annual accounts for 3,489. 2,370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-07-2008
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.