Summary
VISIA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €163,943 and a net result of €67,034. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 67% of 8102 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €163,943
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-10-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
2 d early
2023
4 d early
2022
4 d early
2021
17 d early
2020
30 d late
2019
10 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 27 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close30-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#4 oldest company in Diest, Finance and insurance sector
Equity
€163,943▲ 13.2%
2024 · €144,868
Net result
€67,034▲ 15.2%
2024 · €58,185
Total assets
€231,947▲ 27.5%
2024 · €181,952
Solvency
70.7%▼ 8.9pp
2024 · 79.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€32,554▲ 11,063%€26,792▼ 17.7%-€4,706€83,054€97,054▲ 16.9%
Net result€21,503within the sector's middle half€17,432within the sector's middle half▼ 18.9%-€7,118below the sector's middle half€58,185within the sector's middle half€67,034within the sector's middle half▲ 15.2%
Equity€165,598within the sector's middle half▼ 0.4%€124,187within the sector's middle half▼ 25.0%€99,579within the sector's middle half▼ 19.8%€144,868within the sector's middle half▲ 45.5%€163,943within the sector's middle half▲ 13.2%
Total assets€185,500within the sector's middle half▲ 0.5%€161,348within the sector's middle half▼ 13.0%€123,813below the sector's middle half▼ 23.3%€181,952within the sector's middle half▲ 47.0%€231,947within the sector's middle half▲ 27.5%
Debt€19,903▲ 8.1%€37,161▲ 86.7%€24,234▼ 34.8%€37,084▲ 53.0%€68,004▲ 83.4%
Working capital€122,966within the sector's middle half▲ 14.6%€96,028within the sector's middle half▼ 21.9%€92,357within the sector's middle half▼ 3.8%€131,869within the sector's middle half▲ 42.8%€149,386within the sector's middle half▲ 13.3%
Solvency89.3%above the sector's middle half▼ 0.8pp77.0%above the sector's middle half▼ 12.3pp80.4%above the sector's middle half▲ 3.5pp79.6%above the sector's middle half▼ 0.8pp70.7%within the sector's middle half▼ 8.9pp
Current ratio7.18above the sector's middle half▲ 0.343.58within the sector's middle half▼ 3.594.81above the sector's middle half▲ 1.234.56above the sector's middle half▼ 0.263.20within the sector's middle half▼ 1.35
Return on assets (ROA)11.6%within the sector's middle half▲ 13.2pp10.8%within the sector's middle half▼ 0.8pp-5.7%below the sector's middle half▼ 16.6pp32.0%above the sector's middle half▲ 37.7pp28.9%above the sector's middle half▼ 3.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231,947
Fixed assets
€14,716 ▲ 13.2%
Current assets
€217,231 ▲ 28.6%
Equity and liabilities €231,947
Equity
€163,943 ▲ 13.2%
Debt
€68,004 ▲ 83.4%
Debt's share of the balance-sheet total rises from 20.4% to 29.3%. Equity and debt are higher.
Key figures and ratios
ROE
40.9%▲
2024 · 40.2%
Debt ≤ 1 year
€67,845▲
2024 · €37,084
Income taxes
€27,445▲
2024 · €22,353
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €5,882 | - | - | €142 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,283 | €15,488 | €1,100 | €1,886 | €2,094 | ▲ 11.0% |
| Other operating charges640/8 | - | €2,134 | €2,180 | €931 | €514 | ▼ 44.8% |
| Non-recurring operating charges66A | - | - | €19,838 | - | - | - |
| Gross operating margin9900 | €50,647 | €44,414 | €18,411 | €85,871 | €99,661 | ▲ 16.1% |
| Operating profit (loss)9901 | €32,554 | €26,792 | -€4,706 | €83,054 | €97,054 | ▲ 16.9% |
| Financial income75/76B | - | - | - | €0 | €0 | ▼ 100% |
| Recurring financial income75 | - | - | - | €0 | €0 | ▼ 100% |
| Financial charges65/66B | - | €2,039 | €2,082 | €2,516 | €2,575 | ▲ 2.3% |
| Recurring financial charges65 | €1,629 | €2,039 | €2,082 | €2,516 | €2,575 | ▲ 2.3% |
| Profit (loss) for the period before taxes9903 | €30,925 | €24,754 | -€6,788 | €80,538 | €94,478 | ▲ 17.3% |
| Income taxes67/77 | €9,422 | €7,322 | €331 | €22,353 | €27,445 | ▲ 22.8% |
| Profit (loss) for the period9904 | €21,503 | €17,432 | -€7,118 | €58,185 | €67,034 | ▲ 15.2% |
| Profit (loss) for the period to be appropriated9905 | €21,503 | €17,432 | -€7,118 | €58,185 | €67,034 | ▲ 15.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €185,500 | €161,348 | €123,813 | €181,952 | €231,947 | ▲ 27.5% |
| Fixed assets21/28 | €42,631 | €28,159 | €7,222 | €12,999 | €14,716 | ▲ 13.2% |
| Tangible fixed assets22/27 | €42,631 | €28,159 | €7,222 | €12,999 | €14,716 | ▲ 13.2% |
| Land and buildings22 | - | €19,838 | - | - | - | - |
| Plant, machinery and equipment23 | - | €7,269 | €6,730 | €6,190 | €13,643 | ▲ 120% |
| Furniture and vehicles24 | - | €1,053 | €493 | €6,809 | €1,073 | ▼ 84.2% |
| Current assets29/58 | €142,869 | €133,189 | €116,591 | €168,953 | €217,231 | ▲ 28.6% |
| Amounts receivable within one year40/41 | €59,829 | €63,596 | €58,889 | €68,257 | €39,474 | ▼ 42.2% |
| Trade receivables40 | - | €38,496 | €26,849 | €47,130 | €18,586 | ▼ 60.6% |
| Other amounts receivable41 | - | €25,100 | €32,040 | €21,127 | €20,889 | ▼ 1.1% |
| Cash at bank and in hand54/58 | €82,720 | €61,171 | €50,920 | €96,029 | €137,259 | ▲ 42.9% |
| Deferred charges and accrued income490/1 | - | €8,422 | €6,782 | €4,667 | €40,498 | ▲ 768% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €185,500 | €161,348 | €123,813 | €181,952 | €231,947 | ▲ 27.5% |
| Equity10/15 | €165,598 | €124,187 | €99,579 | €144,868 | €163,943 | ▲ 13.2% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €159,398 | €117,987 | €93,379 | €138,668 | €157,743 | ▲ 13.8% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Distributable reserves133 | - | €116,127 | €91,519 | €136,808 | €157,743 | ▲ 15.3% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | - |
| Amounts payable17/49 | €19,903 | €37,161 | €24,234 | €37,084 | €68,004 | ▲ 83.4% |
| Amounts payable within one year42/48 | €19,903 | €37,161 | €24,234 | €37,084 | €67,845 | ▲ 82.9% |
| Financial debts43 | - | €3,350 | €3,367 | €4,200 | €3,382 | ▼ 19.5% |
| Credit institutions430/8 | - | €3,350 | €3,367 | €4,200 | €3,382 | ▼ 19.5% |
| Trade debts44 | €746 | €13,904 | €1,352 | €1,055 | €3,434 | ▲ 226% |
| Suppliers440/4 | - | €13,904 | €1,352 | €1,055 | €3,434 | ▲ 226% |
| Taxes, remuneration and social security45 | - | €14,271 | €19,405 | €31,829 | €35,676 | ▲ 12.1% |
| Taxes450/3 | - | €14,271 | €19,405 | €31,829 | €35,676 | ▲ 12.1% |
| Other amounts payable47/48 | - | €5,636 | €111 | - | €25,353 | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €160 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,503 | €17,432 | -€7,118 | €58,185 | €67,034 | ▲ 15.2% |
| + Depreciation and write-downs630 | €16,283 | €15,488 | €1,100 | €1,886 | €2,094 | ▲ 11.0% |
| Operating cash flow (approximation) | €37,786 | €32,920 | -€6,019 | €60,071 | €69,127 | ▲ 15.1% |
| Investment in fixed assets (approximation) | - | -€1,016 | €19,838 | -€7,663 | -€3,810 | ▲ 50.3% |
| Change in cash | - | -€21,549 | -€10,251 | €45,109 | €41,230 | ▼ 8.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €67,034 ▲15.2%
Operating result €97,054, net result €67,034, both a record.
31-03
Financial
Equity above €150,000Eq €163,943 ▲13.2%
2 profitable years in a row build equity to €163,943.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €58,185
Net result €58,185 after one loss-making year.
31-03
Financial
Equity above €100,000Eq €144,868 ▲45.5%
Equity rises from €99,579 to €144,868.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet -€7,118
Net result drops to -€7,118, the lowest in the series; recovery starts the following year.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €21,503
Net result €21,503 after one loss-making year.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Show earlier events
2019
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Diest · 1 establishment unit since 1998
Ground area
4,769 m²
Building footprint
283 m²
Volume, LiDAR
1,808 m³
2 parcels, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Frankenstraat 7 A, 3290 Diest
since 19982.087.458.509
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24046B0094/00P003 | Flanders | 3,324 m² | 1 · 170 m² | 9.0 m · 2 fl. |
| 24020B0134/00E000 | Flanders | 1,445 m² | 1 · 113 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,376 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-06-1998
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
62100Computer programming
93199Other sports activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463635551
Also
9925:BE0463635551
Registered
16-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.