VISION RÉNOVATION
ActiveThe computed 12-month bankruptcy probability of VISION RÉNOVATION is 3.6% (moderate). The 2025 annual accounts show equity of €57k and a net result of €9k. Equity is growing by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 820 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency74▲+11
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.76 against 0.28 in 2024; short-term debt: 25.5% and cash: 2.7% of total assets), and 50.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 41
Relative position
BE, all sectors
reference
Sector 41
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
49.2%
Return on assets
8.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 05-03-2026, 56 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
56 d early
2024
62 d early
2023
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▼ 79.4%
2024 · €46k
2023: €20k
2024: €46k
2023 → 2025
Working capital
€-7k▲ 74.4%
2024 · €-28k
2023: €4k
2024: €-28k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€16k-€47k▲ 189%€57k▲ 20.0%
Operating result€24k-€56k▲ 135%€16k▼ 72.1%
Net result€20k-€46k▲ 133%€9k▼ 79.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 72% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€93k▼ 18.4%
Current assets
€22k▲ 107%
Equity and liabilities €115k
Equity
€57k▲ 20.0%
Debt
€58k▼ 24.3%
The debt ratio falls from 62.1% to 50.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▼
2024 · €71k
Cash flow
€38k▼
2024 · €61k
Solvency
49.2%▲
2024 · 37.9%
Current ratio
0.76▲
2024 · 0.28
Quick ratio
0.76▲
2024 · 0.28
Debt / equity
1.03▼
2024 · 1.64
ROE
16.7%▼
2024 · 97.3%
ROA
8.2%▼
2024 · 36.9%
Interest coverage
14.22▼
2024 · 40.35
Debt
€58k▼
2024 · €77k
Debt ≤ 1 year
€29k▼
2024 · €38k
Debt > 1 year
€29k▼
2024 · €39k
Income taxes
€4k▼
2024 · €9k
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€124k€115k▼
Fixed assets21/28€114k€93k▼
Tangible fixed assets22/27€113k€93k▼
Plant, machinery and equipment23€33k€30k▼
Furniture and vehicles24€80k€62k▼
Financial fixed assets28€60€60=
Current assets29/58€11k€22k▲
Amounts receivable within one year40/41€4k€16k▲
Trade receivables40€1k€13k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€6k€3k▼
Deferred charges and accrued income490/1€553€3k▲
Equity and liabilities
Total equity and liabilities10/49€124k€115k▼
Equity10/15€47k€57k▲
Contributions10/11€3k€3k=
Reserves13€30k€39k▲
Distributable reserves133€30k€39k▲
Profit (loss) carried forward14€14k€15k▲
Amounts payable17/49€77k€58k▼
Amounts payable after more than one year17€39k€29k▼
Financial debts170/4€39k€29k▼
Amounts payable within one year42/48€38k€29k▼
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€241€5k▲
Suppliers440/4€241€5k▲
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€9k€11k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€17k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€28k▲
Other operating charges640/8€696€1k▲
Gross operating margin9900€72k€45k▼
Operating profit (loss)9901€56k€16k▼
Financial income75/76B€16€366▲
Recurring financial income75€16€366▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€55k€13k▼
Income taxes67/77€9k€4k▼
Profit (loss) for the period9904€46k€9k▼
Profit (loss) for the period to be appropriated9905€46k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€24k▼
Profit (loss) brought forward from the previous period14P€3k€14k▲
Transfer to equity691/2€20k€9k▼
To other reserves6921€20k€9k▼
Profit to be distributed694/7€15k-
Directors or managers695€15k-
The notes to these accounts (9 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
05-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Weakest financial yearnet €9k ▼79.4%
Net result drops to €9k, the lowest in the series.
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-09
Financial
Highest result since 2023net €46k ▲133%
Operating result €56k, net result €46k, both a record.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · full 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, Sint-Joost-ten-Node · 1 establishment unit since 2022
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.
Hulpstraat 141210 Sint-Joost-ten-NodeGround area
83 m²
Building footprint
83 m²
Volume, LiDAR
563 m³
Parcel 21014A0243/00F014, Brussels · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VISION RÉNOVATION
since 20222.333.868.104
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21014A0243/00F014 | Brussels | 83 m² | 1 · 83 m² | 11.1 m · 2 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.
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KARABUDAK HASAN
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CASASTYLE
BE 0801.458.243
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MAC PRO CONSTRUCT
BE 0772.939.748
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DSC INVEST
BE 0843.282.861
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CEDIRpro
BE 1002.762.640
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,143 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2022
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.