VISION COULEUR
ActiveThe computed 12-month bankruptcy probability of VISION COULEUR is 2.3% (moderate). The 2025 annual accounts show equity of €50k and a net result of €-4k. Equity is growing by ~176.1% per year across the filed fiscal years. Its solvency ranks better than 87% of 7391 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-40
Solvency100▲+19
Growth78=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.34 against 1.91 in 2024; short-term debt: 19.9% and cash: 21.8% of total assets), and 19.9% 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.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
80.1%
Return on assets
-6.9%
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 30-08-2026, 30 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 · 5 filingsDeviation from the deadline
2025
30 d late
2024
36 d early
2023
55 d late
2022
30 d late
2021
17 d early
← 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
€50k▼ 8.0%
2024 · €54k
2021: €-1k
2022: €-7k
2023: €10k
2024: €54k
2021 → 2025
Total assets
€62k▼ 36.2%
2024 · €98k
2021: €20k
2022: €20k
2023: €20k
2024: €98k
2021 → 2025
Net result
€-4k
2024 · €44k
2021: €-6k
2022: €-6k
2023: €18k
2024: €44k
2021 → 2025
Working capital
€41k▲ 5.2%
2024 · €39k
2021: €-12k
2022: €-19k
2023: €5k
2024: €39k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-1k-€-7k▼ 585%€10k€54k▲ 429%€50k▼ 8.0%
Operating result€-6k-€-6k▼ 0.6%€23k€56k▲ 142%€-3k
Net result€-6k-€-6k▼ 4.5%€18k€44k▲ 148%€-4k
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 2025: a loss of €3k after €56k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€9k▼ 42.6%
Current assets
€54k▼ 35.0%
Equity and liabilities €62k
Equity
€50k▼ 8.0%
Debt
€12k▼ 71.4%
The debt ratio falls from 44.4% to 19.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €62k
Cash flow
€3k▼
2024 · €51k
Solvency
80.1%▲
2024 · 55.6%
Current ratio
4.34▲
2024 · 1.91
Quick ratio
4.34▲
2024 · 1.91
Debt / equity
0.25▼
2024 · 0.80
ROE
-8.7%▼
2024 · 81.1%
ROA
-6.9%▼
2024 · 45.1%
Interest coverage
24.01▼
2024 · 234.02
Debt
€12k▼
2024 · €43k
Debt ≤ 1 year
€12k▼
2024 · €43k
Income taxes
€1k▼
2024 · €11k
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€98k€62k▼
Fixed assets21/28€15k€9k▼
Tangible fixed assets22/27€15k€8k▼
Furniture and vehicles24€15k€8k▼
Financial fixed assets28-€495
Current assets29/58€83k€54k▼
Amounts receivable within one year40/41€48k€39k▼
Trade receivables40€48k€37k▼
Other amounts receivable41€15€2k▲
Cash at bank and in hand54/58€34k€14k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€98k€62k▼
Equity10/15€54k€50k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€49k€45k▼
Amounts payable17/49€43k€12k▼
Amounts payable within one year42/48€43k€12k▼
Trade debts44€28k€10k▼
Suppliers440/4€21k€10k▼
Bills of exchange payable441€7k-
Taxes, remuneration and social security45€15k€2k▼
Taxes450/3€15k€385▼
Remuneration and social security454/9€641€1k▲
Other amounts payable47/48€391€391=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€606€619▲
Gross operating margin9900€63k€4k▼
Operating profit (loss)9901€56k€-3k▼
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€265€154▼
Recurring financial charges65€265€154▼
Profit (loss) for the period before taxes9903€55k€-3k▼
Income taxes67/77€11k€1k▼
Profit (loss) for the period9904€44k€-4k▼
Profit (loss) for the period to be appropriated9905€44k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€45k▼
Profit (loss) brought forward from the previous period14P€5k€49k▲
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 4.34
Current ratio from 1.91 to 4.34; short-term debt falls from €43k to €12k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €44k ▲148%
Operating result €56k, net result €44k, both a record.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 1.50
Current ratio from 0.32 to 1.50; short-term debt falls from €27k to €10k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
14-07
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, Kraainem · 1 establishment unit since 2021
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.
Steenweg op Mechelen 4551950 KraainemGround area
1.3 ha
Building footprint
2,147 m²
Volume, LiDAR
56,411 m³
2 parcels, Brussels, Flanders · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
VISION COULEUR
since 20212.316.775.813
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 21364B0123/00E014 | Brussels | 1,302 m² | 1 · 1,282 m² | 27.2 m · 8 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.
Similar companies · same sector, comparable size
SoluReno
BE 1001.916.364
Grimbergen · Eq €50k
Stedor
BE 0578.887.981
Pittem · Eq €50k
BBS Construct
BE 0647.553.984
Tessenderlo-Ham · Eq €50k
ALDO BOUWWERKEN
BE 0803.188.407
Sint-Truiden · Eq €50k
FIBO CONSTRUCT
BE 0636.970.789
Kruisem · Eq €50k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,092 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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
2 entriesE-mail:visioncouleurf.g@outlook.fr
Phone:0484030962