VISHANDEL ROMAIN COSTERMANS
ActiveThe computed 12-month bankruptcy probability of VISHANDEL ROMAIN COSTERMANS is 1.8% (moderate). The 2025 annual accounts show equity of €87k and a net result of €22k. Its solvency ranks better than 72% of 18173 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency86▼-4
Growth52
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 1.99 in 2024; short-term debt: 39.4% and cash: 29% of total assets), and 39.4% 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
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
raises risk · 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 →
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
60.6%
Return on assets
15.3%
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 20-08-2026, 20 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 · 2 filingsDeviation from the deadline
2025
20 d late
2024
60 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▲ 33.8%
2024 · €65k
2024: €65k
2024 → 2025
Total assets
€144k▲ 42.4%
2024 · €101k
2024: €101k
2024 → 2025
Net result
€22k▼ 58.2%
2024 · €53k
2024: €53k
2024 → 2025
Working capital
€65k▲ 83.3%
2024 · €36k
2024: €36k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€65k-€87k▲ 33.8%
Operating result€72k-€32k▼ 56.0%
Net result€53k-€22k▼ 58.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€22k▼ 25.6%
Current assets
€122k▲ 70.6%
Equity and liabilities €144k
Equity
€87k▲ 33.8%
Debt
€57k▲ 57.9%
The debt ratio rises from 35.5% to 39.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▼
2024 · €82k
Cash flow
€31k▼
2024 · €63k
Solvency
60.6%▼
2024 · 64.5%
Current ratio
2.15▲
2024 · 1.99
Quick ratio
2.06▲
2024 · 1.97
Debt / equity
0.65▲
2024 · 0.55
ROE
25.3%▼
2024 · 80.8%
ROA
15.3%▼
2024 · 52.2%
Interest coverage
12.02▼
2024 · 18.14
Debt
€57k▲
2024 · €36k
Debt ≤ 1 year
€57k▲
2024 · €36k
Income taxes
€6k▼
2024 · €14k
Staff costs
€60k▼
2024 · €81k
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€101k€144k▲
Fixed assets21/28€30k€22k▼
Tangible fixed assets22/27€29k€22k▼
Plant, machinery and equipment23€14k€10k▼
Furniture and vehicles24€16k€12k▼
Financial fixed assets28€135€135=
Current assets29/58€71k€122k▲
Stocks and contracts in progress3€884€5k▲
Stocks30/36€884€5k▲
Amounts receivable within one year40/41€51k€73k▲
Trade receivables40€3k€25k▲
Other amounts receivable41€47k€48k▲
Cash at bank and in hand54/58€16k€42k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€101k€144k▲
Equity10/15€65k€87k▲
Contributions10/11€13k€13k=
Reserves13€50k€72k▲
Distributable reserves133€50k€72k▲
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€36k€57k▲
Amounts payable within one year42/48€36k€57k▲
Trade debts44€11k€22k▲
Suppliers440/4€11k€22k▲
Taxes, remuneration and social security45€928€15k▲
Taxes450/3€732€514▼
Remuneration and social security454/9€196€14k▲
Other amounts payable47/48€24k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€81k€60k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€165k€102k▼
Operating profit (loss)9901€72k€32k▼
Financial income75/76B€30-
Recurring financial income75€30-
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€67k€28k▼
Income taxes67/77€14k€6k▼
Profit (loss) for the period9904€53k€22k▼
Profit (loss) for the period to be appropriated9905€53k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€25k▼
Profit (loss) brought forward from the previous period14P-€3k
Transfer to equity691/2€50k€22k▼
To other reserves6921€50k€22k▼
The notes to these accounts (6 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
NBB filing
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, Schoten · 1 establishment unit since 2023
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.
Fluitbergstraat 872900 SchotenGround area
1,826 m²
Building footprint
670 m²
Volume, LiDAR
1,230 m³
2 parcels, Flanders · tallest building 23.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VISHANDEL ROMAIN COSTERMANS
since 20232.346.483.547
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0102/00C003 | Flanders | 1,243 m² | 1 · 565 m² | 23.0 m |
| 11050A0127/00E000 | Flanders | 583 m² | 1 · 105 m² | 10.5 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWijnegem2.346.483.547
Similar companies · same sector, comparable size
Euro - Fruits
BE 0447.481.388
Namur · Eq €87k
GIULIANI ITALIAN FOOD
BE 0749.562.253
Mons · Eq €87k
In De Radijs
BE 0811.793.592
Gent · Eq €87k
URBAN CONCEPT
BE 0672.978.575
Edegem · Eq €88k
LE BAR
BE 0769.615.519
Nieuwerkerken (Limb.) · Eq €88k
Of 3,829 companies in sector 47210 we hold annual accounts for 965. 787 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2023
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47230Retail trade
47810Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:randycostermans@gmail.com