Equity
Debts exceed assets in financial year 2025.
Debts exceed assets in financial year 2025.
The micro format states no turnover.
Of this, €269,758 falls due within a year.
The last five annual accounts were filed 11 to 68 days before the end of the period.
Lower solvency than 95% of companies in publishing. Sector median 49.6% · 825 companies.
Negative equity caps the score at 59.
The dashed line is the sector median: 0.1% across 1,283 companies (NACE 58, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 58, micro). It does better than 7% of them on solvency, 39% on liquidity, 47% on profitability and 48% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 2,180 companies had the same profile as VISIOTALENT BENELUX has now. Each dot stands for 6 companies, two years later.
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VISIOTALENT BENELUX itself is lower: 0.2% within 12 months. It rests on far more data about VISIOTALENT BENELUX than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,180 companies, not a prediction for VISIOTALENT BENELUX. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is insufficient, with a current ratio of 0.05 (0.03 in 2024), below 1. Cash is 98.6% of total assets. Equity is negative.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 27 days before the deadline. In the sector (NACE 58), the median for financial year 2024 was 7 days before the deadline, and 37% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| VISIOTALENT BENELUX Brussels | €14,831 | €2,382 | -1741.8% | - |
| PERFECTOR Blankenberge | €19,880 | €3,506 | 2.7% | - |
| UPTOMIC Brussels | €16,748 | -€282,386 | -3635.0% | - |
| PICOWAN SRL Auderghem | €16,954 | -€609 | 100.0% | - |
| Typopost Forest | €9,770 | -€2,776 | -206.8% | - |
| ATHLETin Liège | €20,982 | €1,576 | 47.6% | - |
| WAYSTOBE Saint-Ghislain | €17,787 | €1,398 | 59.6% | - |
These companies have the same main activity as VISIOTALENT BENELUX: other software publishing (NACE 58290). They are comparable in size and age: total assets between €9,770 and €21,000, founded between 2015 and 2021.
VISIOTALENT BENELUX files the micro format. That format states no turnover. The gross margin rose from -€125,297 in 2019 to €2,382 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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