VISHANDEL GEERT

Active

Private limited companyfounded 20205 yrs activeBrusselbaan 21, 1790 Affligem, BelgiumKBO/BCE: BE 0755.417.192

The computed 12-month bankruptcy probability of VISHANDEL GEERT is 1.6% (moderate). The 2025 annual accounts show equity of €45k and a net result of €4k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 61% of 18016 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

87 / 100

Excellent▲ +29 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability44▲+44

Solvency83▲+14

Growth32=

Stability94

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 1.54 against 1.32 in 2024), but 52.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

47.6%

Return on assets

4.1%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

30 d early

2024

6 d late

2023

34 d early

2022

53 d early

2021

6 d early

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€45k▲ 9.5%

2024 · €41k

2021: €51k 2022: €41k 2023: €42k 2024: €41k

2021 → 2025

Total assets

€95k▼ 7.7%

2024 · €103k

2021: €145k 2022: €120k 2023: €123k 2024: €103k

2021 → 2025

Net result

€4k

2024 · €-673

2021: €45k 2022: €-11k 2023: €1k 2024: €-673

2021 → 2025

Working capital

€27k▲ 55.7%

2024 · €17k

2021: €19k 2022: €11k 2023: €16k 2024: €17k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€51k-€41k▼ 21.0%€42k▲ 3.6%€41k▼ 1.6%€45k▲ 9.5%

Operating result€58k-€-6k€2k€197▼ 92.1%€5k▲ 2,386%

Net result€45k-€-11k€1k€-673€4k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 2,386% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €95k

20.8%

79.2%

Fixed assets €20k▼ 40.1%

Current assets €75k▲ 7.6%

Equity and liabilities €95k

47.6%

52.4%

Equity €45k▲ 9.5%

Debt €50k▼ 19.3%

The debt ratio falls from 59.9% to 52.4%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€18k▲

2024 · €12k

Cash flow

€17k▲

2024 · €11k

Solvency

47.6%▲

2024 · 40.1%

Current ratio

1.54▲

2024 · 1.32

Quick ratio

1.53▲

2024 · 1.29

Debt / equity

1.10▼

2024 · 1.49

ROE

8.7%▲

2024 · -1.6%

ROA

4.1%▲

2024 · -0.7%

Interest coverage

44.68▲

2024 · 18.31

Debt

€50k▼

2024 · €62k

Debt ≤ 1 year

€49k▼

2024 · €53k

Debt > 1 year

€0▼

2024 · €8k

Income taxes

€551▲

2024 · €314

Staff costs

€0▼

2024 · €32

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€103k€95k▼

Fixed assets21/28€33k€20k▼

Tangible fixed assets22/27€33k€20k▼

Land and buildings22€13k€10k▼

Plant, machinery and equipment23€1k€1k▼

Furniture and vehicles24€498€0▼

Leasing and similar rights25€19k€8k▼

Current assets29/58€70k€75k▲

Stocks and contracts in progress3€2k€750▼

Stocks30/36€2k€750▼

Amounts receivable within one year40/41€2k€521▼

Trade receivables40€0-

Other amounts receivable41€2k€521▼

Cash at bank and in hand54/58€65k€73k▲

Deferred charges and accrued income490/1€2k€1k▼

Equity and liabilities

Total equity and liabilities10/49€103k€95k▼

Equity10/15€41k€45k▲

Contributions10/11€8k€8k=

Reserves13€44k€44k=

Distributable reserves133€44k€44k=

Profit (loss) carried forward14€-10k€-6k▲

Amounts payable17/49€62k€50k▼

Amounts payable after more than one year17€8k€0▼

Financial debts170/4€8k€0▼

Amounts payable within one year42/48€53k€49k▼

Current portion of amounts payable after more than one year42€10k€7k▼

Trade debts44€34k€35k▲

Suppliers440/4€34k€35k▲

Taxes, remuneration and social security45€9k€7k▼

Taxes450/3€7k€5k▼

Remuneration and social security454/9€2k€2k▼

Accrued charges and deferred income492/3€1k€1k▲

Income statement Code20242025

Remuneration, social security and pensions62€32€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲

Other operating charges640/8€2k€2k▲

Gross operating margin9900€14k€20k▲

Operating profit (loss)9901€197€5k▲

Financial income75/76B€79€0▼

Recurring financial income75€79€0▼

Financial charges65/66B€635€407▼

Recurring financial charges65€635€407▼

Profit (loss) for the period before taxes9903€-359€4k▲

Income taxes67/77€314€551▲

Profit (loss) for the period9904€-673€4k▲

Profit (loss) for the period to be appropriated9905€-673€4k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-10k€-6k▲

Profit (loss) brought forward from the previous period14P€-9k€-10k▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

01-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Back to profitnet €4k

Net result €4k after one loss-making year.

06-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 6 days late

2024

27-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €1k

Net result €1k after one loss-making year.

08-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-11k ▼124%

Net result drops to €-11k, the lowest in the series; recovery starts the following year.

25-07

NBB filing Annual accounts filed

fiscal year 2021 · 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, Affligem · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Brusselbaan 211790 Affligem

Ground area

179 m²

Building footprint

146 m²

Volume, LiDAR

1,016 m³

Parcel 23030A0847/00P000, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Vishandel Geert

Brusselbaan 21, 1790 AffligemFishing and aquaculture

since 20202.308.244.662

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23030A0847/00P000	Flanders	179 m²	1 · 146 m²	12.3 m · 2 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Affligem2.308.244.662

1 permission

Toelating · Viswinkel · since 01-01-2022

Similar companies · same sector, comparable size

LES SAVEURS DE LA MER

Of 460 companies in sector 47230 we hold annual accounts for 264. 218 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded30-09-2020

Fiscal year end31-12

Activities, NACEBEL

47230Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:vishandel.geert@telenet.be

Enterprise