VISION
ActiveSummary
The computed 12-month bankruptcy probability of VISION is 2.0% (moderate). The 2024 annual accounts show equity of €456k and a net result of €48k. Its solvency ranks better than 24% of 9624 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes
Profitability71
Solvency42
Growth-
Track record67
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity tight (current ratio 1.17; short-term debt: 59.1% and cash: 25.6% of total assets), and 83.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9624 sector peers (2024).
NBB · sector comparisonPosition among 9624 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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 · 1 filingDeviation from the deadline
2024
49 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€456k
Total assets
€2.72M
Net result
€48k
Working capital
€270k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €2.72M
Fixed assets
€843k
Current assets
€1.88M
Equity and liabilities €2.72M
Equity
€456k
Debt
€2.27M
Debt finances 83.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€142k
Cash flow
€125k
Current ratio
1.17
Quick ratio
0.74
Debt to equity
4.98
ROE
10.4%
ROA
1.7%
Interest coverage
9.18
Debt ≤ 1 year
€1.61M
Income taxes
€3k
Staff costs
€1.60M
Annual accounts
| Line | 2024 |
|---|---|
| Remuneration, social security and pensions62 | €1.60M |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €78k |
| Other operating charges640/8 | €17k |
| Gross operating margin9900 | €1.76M |
| Operating profit (loss)9901 | €65k |
| Financial income75/76B | €2k |
| Recurring financial income75 | €2k |
| Financial charges65/66B | €15k |
| Recurring financial charges65 | €15k |
| Profit (loss) for the period before taxes9903 | €51k |
| Income taxes67/77 | €3k |
| Profit (loss) for the period9904 | €48k |
| Profit (loss) for the period to be appropriated9905 | €48k |
| Line | 2024 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €2.72M | |
| Fixed assets21/28 | €843k | |
| Intangible fixed assets21 | €193k | |
| Tangible fixed assets22/27 | €645k | |
| Plant, machinery and equipment23 | €361k | |
| Other tangible fixed assets26 | €284k | |
| Financial fixed assets28 | €5k | |
| Current assets29/58 | €1.88M | |
| Stocks and contracts in progress3 | €685k | |
| Stocks30/36 | €685k | |
| Amounts receivable within one year40/41 | €494k | |
| Trade receivables40 | €478k | |
| Other amounts receivable41 | €17k | |
| Cash at bank and in hand54/58 | €698k | |
| Deferred charges and accrued income490/1 | €3k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €2.72M | |
| Equity10/15 | €456k | |
| Contributions10/11 | €408k | |
| Reserves13 | €48k | |
| Distributable reserves133 | €48k | |
| Amounts payable17/49 | €2.27M | |
| Amounts payable within one year42/48 | €1.61M | |
| Trade debts44 | €1.32M | |
| Suppliers440/4 | €1.32M | |
| Taxes, remuneration and social security45 | €289k | |
| Taxes450/3 | €74k | |
| Remuneration and social security454/9 | €215k | |
| Other amounts payable47/48 | €640 | |
| Accrued charges and deferred income492/3 | €657k | |
| Line | 2024 |
|---|---|
| Profit (loss) for the period9904 | €48k |
| + Depreciation and write-downs630 | €78k |
| Operating cash flow (approximation) | €125k |
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
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 49 days late
NBB filing
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, Pelt · 1 establishment unit since 2024
Ground area
7,791 m²
Building footprint
4,090 m²
Volume, LiDAR
22,639 m³
Parcel 72025E0084/00P000, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VISION
since 20242.355.791.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025E0084/00P000 | Flanders | 7,791 m² | 1 · 4,090 m² | 12.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
2024 to 2025 · 5 entries · 33,625 EUR awarded · 1,228 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 400 EUR | 400 EUR |
| 2024 | 2 | 33,225 EUR | 828 EUR |
Schemes
Ecologiepremie+
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 sitePelt2.355.791.884
Dual-learning approval
6 live approvalsCommercieel assistent (vwo)
Commercieel assistent duaal (so)
Commerciële organisatie duaal (so)
Onthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 10,506 companies in sector 47110 we hold annual accounts for 5,848. 3,261 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
Founded08-02-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.