VistaMint
ActiveSummary
VistaMint has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.22M and a net result of €795k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability39▼-16
Solvency42▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.24 in 2024; short-term debt: 11.4% and cash: 0.7% of total assets), and 82.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
17.3%
Return on assets
3.2%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €4.22M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
137 d late
2023
30 d late
2022
12 d early
2021
54 d early
2020
12 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€4.22M▲ 23.2%
2024 · €3.43M
2020: €-39k
2021: €-54k▼ -38.0% vs 2020
2022: €-61k▼ -13.2% vs 2021lowest in 6 years
2023: €247k▲ +505% vs 2022
2024: €3.43M▲ +1287% vs 2023
2025: €4.22M▲ +23.2% vs 2024highest in 6 years
2020 → 2025
Total assets
€24.46M▼ 0.7%
2024 · €24.64M
2020: €19k
2021: €15k▼ -21.5% vs 2020
2022: €11k▼ -29.4% vs 2021lowest in 6 years
2023: €595k▲ +5552% vs 2022
2024: €24.64M▲ +4043% vs 2023highest in 6 years
2025: €24.46M▼ -0.7% vs 2024
2020 → 2025
Net result
€795k▼ 75.0%
2024 · €3.18M
2020: €-64klowest in 6 years
2021: €-15k▲ +76.8% vs 2020
2022: €-7k▲ +51.9% vs 2021
2023: €308k▲ +4417% vs 2022
2024: €3.18M▲ +932% vs 2023highest in 6 years
2025: €795k▼ -75.0% vs 2024
2020 → 2025
Working capital
€-2.42M▼ 52.8%
2024 · €-1.58M
2020: €-56k
2021: €-65k▼ -15.6% vs 2020
2022: €-68k▼ -3.9% vs 2021
2023: €244k▲ +462% vs 2022highest in 6 years
2024: €-1.58M▼ -749% vs 2023
2025: €-2.42M▼ -52.8% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-54k-€-61k▼ 13.2%€247k€3.43M▲ 1,287%€4.22M▲ 23.2%
2021: €-54k
2022: €-61k▼ -13.2% vs 2021lowest in 5 years
2023: €247k▲ +505% vs 2022
2024: €3.43M▲ +1287% vs 2023
2025: €4.22M▲ +23.2% vs 2024highest in 5 years
Operating result€-15k-€-7k▲ 52.6%€313k€2.30M▲ 633%€1.81M▼ 21.2%
2021: €-15klowest in 5 years
2022: €-7k▲ +52.6% vs 2021
2023: €313k▲ +4605% vs 2022
2024: €2.30M▲ +633% vs 2023highest in 5 years
2025: €1.81M▼ -21.2% vs 2024
Net result€-15k-€-7k▲ 51.9%€308k€3.18M▲ 932%€795k▼ 75.0%
2021: €-15klowest in 5 years
2022: €-7k▲ +51.9% vs 2021
2023: €308k▲ +4417% vs 2022
2024: €3.18M▲ +932% vs 2023highest in 5 years
2025: €795k▼ -75.0% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24.46M
Fixed assets
€24.08M ▼ 0.3%
Current assets
€377k ▼ 23.8%
Equity and liabilities €24.46M
Equity
€4.22M ▲ 23.2%
Debt
€20.24M ▼ 4.6%
Debt's share of the balance-sheet total falls from 86.1% to 82.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.88M▼
2024 · €2.37M
Cash flow
€865k▼
2024 · €3.25M
Current ratio
0.13▼
2024 · 0.24
Debt to equity
4.79▼
2024 · 6.19
ROE
18.8%▼
2024 · 92.8%
ROA
3.2%▼
2024 · 12.9%
Interest coverage
1.97▼
2024 · 2.47
Debt ≤ 1 year
€2.80M▲
2024 · €2.08M
Debt > 1 year
€17.44M▼
2024 · €19.13M
Income taxes
€210k▼
2024 · €404k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€24.64M€24.46M▼
Fixed assets21/28€24.15M€24.08M▼
Intangible fixed assets21€1k€839▼
Tangible fixed assets22/27€1.64M€1.58M▼
Land and buildings22€1.63M€1.57M▼
Plant, machinery and equipment23€13k€8k▼
Financial fixed assets28€22.50M€22.50M=
Current assets29/58€495k€377k▼
Amounts receivable within one year40/41€214k€214k▲
Trade receivables40€14k€14k▲
Other amounts receivable41€200k€200k=
Cash at bank and in hand54/58€273k€164k▼
Deferred charges and accrued income490/1€8k-
Equity and liabilities
Total equity and liabilities10/49€24.64M€24.46M▼
Equity10/15€3.43M€4.22M▲
Contributions10/11€25k€25k=
Reserves13-€303k
Tax-exempt reserves132-€303k
Profit (loss) carried forward14€3.40M€3.90M▲
Amounts payable17/49€21.21M€20.24M▼
Amounts payable after more than one year17€19.13M€17.44M▼
Financial debts170/4€19.13M€17.44M▼
Amounts payable within one year42/48€2.08M€2.80M▲
Current portion of amounts payable after more than one year42€1.69M€1.69M▲
Trade debts44€24k€3k▼
Suppliers440/4€24k€3k▼
Advances received on contracts in progress46-€734k
Taxes, remuneration and social security45€321k€251k▼
Taxes450/3€321k€251k▼
Other amounts payable47/48€46k€118k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€70k▼
Other operating charges640/8€9k€11k▲
Gross operating margin9900€2.38M€1.89M▼
Operating profit (loss)9901€2.30M€1.81M▼
Financial income75/76B€2.25M€150k▼
Recurring financial income75€2.25M€150k▼
Financial charges65/66B€960k€955k▼
Recurring financial charges65€960k€955k▼
Profit (loss) for the period before taxes9903€3.59M€1.00M▼
Income taxes67/77€404k€210k▼
Profit (loss) for the period9904€3.18M€795k▼
Transfer to tax-exempt reserves689-€303k
Profit (loss) for the period to be appropriated9905€3.18M€492k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.40M€3.90M▲
Profit (loss) brought forward from the previous period14P€222k€3.40M▲
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €6k | €3k | €70k | €70k | ▼ 0.6% |
| Other operating charges640/8 | €449 | €525 | €493 | €9k | €11k | ▲ 19.5% |
| Gross operating margin9900 | €-204 | €-483 | €317k | €2.38M | €1.89M | ▼ 20.4% |
| Operating profit (loss)9901 | €-15k | €-7k | €313k | €2.30M | €1.81M | ▼ 21.2% |
| Financial income75/76B | €0 | €11 | - | €2.25M | €150k | ▼ 93.3% |
| Recurring financial income75 | €0 | €11 | - | €2.25M | €150k | ▼ 93.3% |
| Financial charges65/66B | €159 | €195 | €5k | €960k | €955k | ▼ 0.5% |
| Recurring financial charges65 | €159 | €195 | €5k | €960k | €955k | ▼ 0.5% |
| Profit (loss) for the period before taxes9903 | €-15k | €-7k | €308k | €3.59M | €1.00M | ▼ 72.0% |
| Income taxes67/77 | - | - | - | €404k | €210k | ▼ 48.1% |
| Profit (loss) for the period9904 | €-15k | €-7k | €308k | €3.18M | €795k | ▼ 75.0% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €303k | - |
| Profit (loss) for the period to be appropriated9905 | €-15k | €-7k | €308k | €3.18M | €492k | ▼ 84.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €15k | €11k | €595k | €24.64M | €24.46M | ▼ 0.7% |
| Fixed assets21/28 | €11k | €6k | €3k | €24.15M | €24.08M | ▼ 0.3% |
| Intangible fixed assets21 | €11k | €6k | €3k | €1k | €839 | ▼ 44.0% |
| Tangible fixed assets22/27 | - | - | - | €1.64M | €1.58M | ▼ 3.7% |
| Land and buildings22 | - | - | - | €1.63M | €1.57M | ▼ 3.5% |
| Plant, machinery and equipment23 | - | - | - | €13k | €8k | ▼ 36.8% |
| Financial fixed assets28 | - | - | - | €22.50M | €22.50M | = |
| Current assets29/58 | €4k | €4k | €592k | €495k | €377k | ▼ 23.8% |
| Amounts receivable within one year40/41 | €781 | €786 | €8k | €214k | €214k | ▲ 0.1% |
| Trade receivables40 | €349 | €284 | €8k | €14k | €14k | ▲ 1.2% |
| Other amounts receivable41 | €432 | €502 | - | €200k | €200k | = |
| Cash at bank and in hand54/58 | €3k | €3k | €6k | €273k | €164k | ▼ 40.1% |
| Deferred charges and accrued income490/1 | - | - | €578k | €8k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €15k | €11k | €595k | €24.64M | €24.46M | ▼ 0.7% |
| Equity10/15 | €-54k | €-61k | €247k | €3.43M | €4.22M | ▲ 23.2% |
| Contributions10/11 | €25k | €25k | €25k | €25k | €25k | = |
| Reserves13 | - | - | - | - | €303k | - |
| Tax-exempt reserves132 | - | - | - | - | €303k | - |
| Profit (loss) carried forward14 | €-79k | €-86k | €222k | €3.40M | €3.90M | ▲ 14.4% |
| Amounts payable17/49 | €69k | €72k | €348k | €21.21M | €20.24M | ▼ 4.6% |
| Amounts payable after more than one year17 | - | - | - | €19.13M | €17.44M | ▼ 8.8% |
| Financial debts170/4 | - | - | - | €19.13M | €17.44M | ▼ 8.8% |
| Amounts payable within one year42/48 | €69k | €72k | €348k | €2.08M | €2.80M | ▲ 34.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | €1.69M | €1.69M | ▲ 0.2% |
| Trade debts44 | €4k | €2k | €277k | €24k | €3k | ▼ 88.9% |
| Suppliers440/4 | €4k | €2k | €277k | €24k | €3k | ▼ 88.9% |
| Advances received on contracts in progress46 | - | - | - | - | €734k | - |
| Taxes, remuneration and social security45 | - | - | €285 | €321k | €251k | ▼ 21.7% |
| Taxes450/3 | - | - | €285 | €321k | €251k | ▼ 21.7% |
| Other amounts payable47/48 | €65k | €70k | €70k | €46k | €118k | ▲ 158% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-15k | €-7k | €308k | €3.18M | €795k | ▼ 75.0% |
| + Depreciation and write-downs630 | €14k | €6k | €3k | €70k | €70k | ▼ 0.6% |
| Operating cash flow (approximation) | €-811 | €-1k | €312k | €3.25M | €865k | ▼ 73.4% |
| Investment in fixed assets (approximation) | - | €-1k | €0 | €-24.21M | €-8k | ▲ 100.0% |
| Change in cash | - | €249 | €3k | €267k | €-110k | ▼ 141% |
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
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 137 days late
2024
31-12
Financial
Highest result since 2020net €3.18M ▲932%
Operating result €2.30M, net result €3.18M, both a record.
31-12
Financial
Equity above €2MEq €3.43M ▲1,287%
2 profitable years in a row build equity to €3.43M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €308k
Net result €308k after 3 loss-making years.
31-12
Financial
Liquidity times 30current ratio 1.70
Current ratio from 0.06 to 1.70.
31-12
Financial
Equity above €200kEq €247k
Equity rises from €-61k to €247k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 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, Westerlo
Ground area
1,669 m²
Building footprint
1,102 m²
Volume, LiDAR
9,616 m³
Parcel 13039B0010/00E002, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13039B0010/00E002 | Flanders | 1,669 m² | 1 · 1,102 m² | 10.0 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900DUVFIRODQ4FI37
Similar companies · same sector, comparable size
PIRITEX
BE 0448.626.978
Antwerpen · Eq €4,243,048
MULTI LOGISTICS
BE 0447.076.661
Pittem · Eq €4,289,974
PHARMASIMPLE
BE 0845.603.735
Seneffe · Eq €4,144,053
BELHOLD
BE 0466.531.891
Soignies · Eq €4,137,554
Cardgames By Jordy & Dorien
BE 0746.356.897
Hechtel-Eksel · Eq €4,097,076
Of 12,957 companies in sector 47120 we hold annual accounts for 2,190. 414 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
Founded02-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
Contact
E-mail
info@vistamint.eu
Phone
014507930
Scores and ratios are computed by Checked and are not a credit decision.