VISION TOITURES
ActiveSummary
The computed 12-month bankruptcy probability of VISION TOITURES is 2.3% (moderate). The 2025 annual accounts show equity of €246k and a net result of €69k. Equity is growing by ~44.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 27786 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency84▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 2.07 in 2024; short-term debt: 41% and cash: 4.6% of total assets), and 41% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
59%
Return on assets
16.5%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 7 filingsDeviation from the deadline
2025
24 d late
2024
24 d late
2023
36 d early
2022
5 d early
2021
58 d late
2020
89 d late
2019
84 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€246k▼ 19.8%
2024 · €306k
2019: €27k
2020: €79k
2021: €60k
2022: €80k
2023: €142k
2024: €306k
2019 → 2025
Total assets
€417k▼ 26.9%
2024 · €570k
2019: €106k
2020: €144k
2021: €183k
2022: €258k
2023: €366k
2024: €570k
2019 → 2025
Net result
€69k▼ 58.2%
2024 · €164k
2019: €21k
2020: €51k
2021: €-19k
2022: €20k
2023: €63k
2024: €164k
2019 → 2025
Working capital
€212k▼ 24.7%
2024 · €282k
2019: €29k
2020: €73k
2021: €53k
2022: €68k
2023: €130k
2024: €282k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€80k▲ 33.6%€142k▲ 78.4%€306k▲ 115%€246k▼ 19.8%
Operating result€-19k-€37k€82k▲ 124%€206k▲ 151%€89k▼ 56.6%
Net result€-19k-€20k€63k▲ 212%€164k▲ 162%€69k▼ 58.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €417k
Fixed assets
€34k ▲ 37.8%
Current assets
€383k ▼ 29.8%
Equity and liabilities €417k
Equity
€246k ▼ 19.8%
Debt
€171k ▼ 35.1%
Debt's share of the balance-sheet total falls from 46.3% to 41.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€99k▼
2024 · €214k
Cash flow
€78k▼
2024 · €172k
Current ratio
2.24▲
2024 · 2.07
Debt to equity
0.70▼
2024 · 0.86
ROE
27.9%▼
2024 · 53.5%
ROA
16.5%▼
2024 · 28.8%
Interest coverage
8.57▼
2024 · 519.17
Debt ≤ 1 year
€171k▼
2024 · €264k
Income taxes
€21k▼
2024 · €63k
Staff costs
€998
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€570k€417k▼
Fixed assets21/28€24k€34k▲
Intangible fixed assets21-€16k
Tangible fixed assets22/27€24k€18k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€21k€14k▼
Financial fixed assets28€200€200=
Current assets29/58€546k€383k▼
Amounts receivable within one year40/41€534k€364k▼
Trade receivables40€334k€118k▼
Other amounts receivable41€200k€246k▲
Cash at bank and in hand54/58€12k€19k▲
Equity and liabilities
Total equity and liabilities10/49€570k€417k▼
Equity10/15€306k€246k▼
Contributions10/11€6k€6k=
Reserves13€136k€136k=
Distributable reserves133€136k€136k=
Profit (loss) carried forward14€164k€104k▼
Amounts payable17/49€264k€171k▼
Amounts payable within one year42/48€264k€171k▼
Trade debts44€74k€67k▼
Suppliers440/4€74k€67k▼
Advances received on contracts in progress46€56k€56k=
Taxes, remuneration and social security45€135k€48k▼
Taxes450/3€135k€48k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€998
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€276€7k▲
Gross operating margin9900€215k€107k▼
Operating profit (loss)9901€206k€89k▼
Financial income75/76B€22k€12k▼
Recurring financial income75€22k€12k▼
Financial charges65/66B€413€12k▲
Recurring financial charges65€413€12k▲
Profit (loss) for the period before taxes9903€227k€90k▼
Income taxes67/77€63k€21k▼
Profit (loss) for the period9904€164k€69k▼
Profit (loss) for the period to be appropriated9905€164k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€164k€104k▼
Profit (loss) brought forward from the previous period14P€114€35k▲
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
31-12
Financial
Highest result since 2019net €164k ▲162%
Operating result €206k, net result €164k, both a record.
31-12
Financial
Equity above €200kEq €306k ▲115%
3 profitable years in a row build equity to €306k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €142k ▲78.4%
2 profitable years in a row build equity to €142k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Weakest financial yearnet €-19k ▼137%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 2 establishment units since 2018
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.
de Cipletstraat 161020 BrusselGround area
130 m²
Building footprint
129 m²
Volume, LiDAR
1,486 m³
2 parcels, Brussels · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
VISION TOITURES
since 20182.278.801.105
Rico nails
since 20252.381.672.276
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0351/00F009 | Brussels | 73 m² | 1 · 72 m² | 17.8 m · 4 fl. |
| 21815D0263/00R007 | Brussels | 57 m² | 1 · 57 m² | 15.8 m · 5 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.
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SCHNACKERS SIMONS
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SIL VAN ROOST
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Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,485 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43221Plumbing work
43421Specialised construction activities
86997Human health activities
96230Day spas, saunas and steam baths
96992Tattoo and piercing services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.