Visio & Mobile House

Active

Private limited companyfounded 20215 yrs activeRue de Namur 178, 1400 Nivelles, BelgiumKBO/BCE: BE 0764.501.540

The computed 12-month bankruptcy probability of Visio & Mobile House is 3.1% (moderate). The annual accounts of Visio & Mobile House for fiscal year 2024 show a net loss of 79% of the equity at the start of that year. The 2024 annual accounts show equity of €6k and a net result of €-22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 26048 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

36 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-83

Solvency37▼-23

Growth32▼-46

Track record94

Bankruptcy probability, 12 months

3.1% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity tight (current ratio 1.12 against 1.51 in 2023; short-term debt: 87.6% and cash: 81.2% of total assets), and 87.6% 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.

+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

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

12.4%

Return on assets

-46.6%

Age of the figures

21 mo

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-09-2025, 33 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

33 d late

2023

34 d early

2022

26 d early

2021

46 d early

← before the deadline after the 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 2024, micro schema

Equity

€6k▼ 78.9%

2023 · €28k

2021: €13k 2022: €19k 2023: €28k

2021 → 2024

Total assets

€48k▼ 40.8%

2023 · €80k

2021: €29k 2022: €58k 2023: €80k

2021 → 2024

Net result

€-22k

2023 · €9k

2021: €1k 2022: €6k 2023: €9k

2021 → 2024

Working capital

€5k▼ 81.0%

2023 · €27k

2021: €11k 2022: €17k 2023: €27k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€13k-€19k▲ 42.5%€28k▲ 50.7%€6k▼ 78.9%

Operating result€1k-€12k▲ 773%€15k▲ 19.7%€-20k

Net result€1k-€6k▲ 419%€9k▲ 69.9%€-22k

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 2024: a loss of €20k after €15k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €48k

98.2%

Fixed assets €836▼ 39.8%

Current assets €47k▼ 40.8%

Equity and liabilities €48k

12.4%

87.6%

Equity €6k▼ 78.9%

Debt €42k▼ 20.3%

The debt ratio rises from 65.0% to 87.6%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-19k▼

2023 · €15k

Cash flow

€-22k▼

2023 · €10k

Solvency

12.4%▼

2023 · 35.0%

Current ratio

1.12▼

2023 · 1.51

Quick ratio

0.95▼

2023 · 1.15

Debt / equity

7.04▲

2023 · 1.86

ROE

-374.6%▼

2023 · 33.6%

ROA

-46.6%▼

2023 · 11.8%

Interest coverage

-9.12▼

2023 · 12.90

Debt

€42k▼

2023 · €52k

Debt ≤ 1 year

€42k▼

2023 · €52k

Staff costs

€43k▲

2023 · €39k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€80k€48k▼

Fixed assets21/28€1k€836▼

Tangible fixed assets22/27€1k€836▼

Plant, machinery and equipment23€645€386▼

Furniture and vehicles24€744€449▼

Current assets29/58€79k€47k▼

Stocks and contracts in progress3€19k€7k▼

Stocks30/36€19k€7k▼

Amounts receivable within one year40/41€1k€801▼

Trade receivables40€1k€801▼

Cash at bank and in hand54/58€59k€39k▼

Equity and liabilities

Total equity and liabilities10/49€80k€48k▼

Equity10/15€28k€6k▼

Contributions10/11€12k€12k=

Outside capital11€12k€12k=

Other1109/19€12k€12k=

Profit (loss) carried forward14€16k€-6k▼

Amounts payable17/49€52k€42k▼

Amounts payable within one year42/48€52k€42k▼

Trade debts44€5k€2k▼

Suppliers440/4€5k€2k▼

Taxes, remuneration and social security45€34k€15k▼

Taxes450/3€12k€11k▼

Remuneration and social security454/9€22k€4k▼

Other amounts payable47/48€13k€25k▲

Income statement Code20232024

Remuneration, social security and pensions62€39k€43k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€554€554=

Other operating charges640/8€711€1k▲

Gross operating margin9900€54k€25k▼

Operating profit (loss)9901€15k€-20k▼

Financial income75/76B€6€0▼

Recurring financial income75€6€0▼

Financial charges65/66B€1k€2k▲

Recurring financial charges65€1k€2k▲

Profit (loss) for the period before taxes9903€13k€-22k▼

Income taxes67/77€4k-

Profit (loss) for the period9904€9k€-22k▼

Profit (loss) for the period to be appropriated9905€9k€-22k▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€-6k▼

Profit (loss) brought forward from the previous period14P€7k€16k▲

The notes to these accounts (3 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 6Financial 2Filings 4

2025

02-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 33 days late

2024

31-12

Financial Weakest financial yearnet €-22k ▼335%

Net result drops to €-22k, the lowest in the series.

27-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2021net €9k ▲69.9%

Operating result €15k, net result €9k, both a record.

05-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

15-06

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

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, Nivelles · 1 establishment unit since 2021

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.

Rue de Namur 1781400 Nivelles

Ground area

206 m²

Building footprint

67 m²

Volume, LiDAR

781 m³

Parcel 25782C0416/00S002, Wallonia · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

Visio & Mobile House

Rue de Namur 178, 1400 NivellesRetail trade

since 20212.319.909.903

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25782C0416/00S002	Wallonia	206 m²	1 · 67 m²	15.8 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.

Similar companies · same sector, comparable size

Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 713 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-03-2021

Fiscal year end31-12

Abbreviation FR V.M.H.

Activities, NACEBEL

47400Retail sale of information and communication equipment

47410Retail trade

47420Retail trade

62010Computer programming, consultancy and related activities

62900Other information technology and computer services

62100Computer programming

95100Repair and maintenance of computers and communication equipment

95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.