VISUEL
ActiveVISUEL has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €710k and a net result of €51k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 1303 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 23.05 against 25.61 in 2024; short-term debt: 3% and cash: 68.5% of total assets), and 10.2% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
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
89.8%
Return on assets
6.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
30 d late
2022
18 d late
2021
31 d late
2020
30 d late
2019
91 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€710k▲ 7.7%
2024 · €659k
2018: €269k
2019: €330k
2020: €423k
2021: €486k
2022: €540k
2023: €605k
2024: €659k
2018 → 2025
Total assets
€790k▲ 5.8%
2024 · €747k
2018: €447k
2019: €477k
2020: €571k
2021: €635k
2022: €683k
2023: €716k
2024: €747k
2018 → 2025
Net result
€51k▼ 5.8%
2024 · €55k
2018: €58k
2019: €64k
2020: €101k
2021: €73k
2022: €56k
2023: €67k
2024: €55k
2018 → 2025
Working capital
€529k▲ 3.5%
2024 · €511k
2018: €105k
2019: €164k
2020: €233k
2021: €305k
2022: €368k
2023: €445k
2024: €511k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€486k-€540k▲ 11.2%€605k▲ 12.0%€659k▲ 8.9%€710k▲ 7.7%
Operating result€101k-€79k▼ 21.3%€93k▲ 17.3%€73k▼ 21.3%€64k▼ 12.1%
Net result€73k-€56k▼ 23.3%€67k▲ 19.4%€55k▼ 18.3%€51k▼ 5.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €790k
Fixed assets
€237k▲ 10.3%
Current assets
€553k▲ 4.0%
Equity and liabilities €790k
Equity
€710k▲ 7.7%
Debt
€80k▼ 8.4%
The debt ratio falls from 11.8% to 10.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▼
2024 · €95k
Cash flow
€75k▼
2024 · €77k
Solvency
89.8%▲
2024 · 88.2%
Current ratio
23.05▼
2024 · 25.61
Quick ratio
23.05▼
2024 · 25.61
Debt / equity
0.11▼
2024 · 0.13
ROE
7.2%▼
2024 · 8.3%
ROA
6.5%▼
2024 · 7.3%
Interest coverage
50.83▼
2024 · 51.17
Debt
€80k▼
2024 · €88k
Debt ≤ 1 year
€24k▲
2024 · €21k
Debt > 1 year
€56k▼
2024 · €67k
Income taxes
€20k▼
2024 · €22k
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€747k€790k▲
Fixed assets21/28€215k€237k▲
Tangible fixed assets22/27€215k€237k▲
Land and buildings22€204k€234k▲
Plant, machinery and equipment23€619€290▼
Furniture and vehicles24€10k€4k▼
Current assets29/58€532k€553k▲
Amounts receivable within one year40/41€2k€7k▲
Trade receivables40€2k€7k▲
Cash at bank and in hand54/58€526k€541k▲
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€747k€790k▲
Equity10/15€659k€710k▲
Contributions10/11€65k€65k=
Reserves13€539k€559k▲
Distributable reserves133€539k€559k▲
Profit (loss) carried forward14€56k€86k▲
Amounts payable17/49€88k€80k▼
Amounts payable after more than one year17€67k€56k▼
Financial debts170/4€67k€56k▼
Amounts payable within one year42/48€21k€24k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€568€4k▲
Suppliers440/4€568€4k▲
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Other amounts payable47/48€1k€888▼
Accrued charges and deferred income492/3€349€320▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€24k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€97k€90k▼
Operating profit (loss)9901€73k€64k▼
Financial income75/76B€5k€9k▲
Recurring financial income75€5k€9k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€76k€71k▼
Income taxes67/77€22k€20k▼
Profit (loss) for the period9904€55k€51k▼
Profit (loss) for the period to be appropriated9905€55k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€107k▲
Profit (loss) brought forward from the previous period14P€27k€56k▲
Transfer to equity691/2€25k€20k▼
To other reserves6921€25k€20k▼
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (12 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €51k ▼5.8%
Net result drops to €51k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Equity above €500kEq €540k ▲11.2%
5 profitable years in a row build equity to €540k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €101k ▲58.1%
Operating result €141k, net result €101k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 6.44
Current ratio from 3.04 to 6.44; short-term debt falls from €52k to €30k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Clavier · 1 establishment unit since 2012
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.
Rue de la Station 494560 ClavierGround area
1,080 m²
Building footprint
74 m²
Parcel 61060A0035/00F002, Wallonia. Linked by address, not a title deed.
1 establishment unit
VISUEL
since 20122.209.983.464
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61060A0035/00F002 | Wallonia | 1,080 m² | 1 · 74 m² | - |
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.
Similar companies · same sector, comparable size
Quaghebeur Service Center
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ATELIER JMD
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Dmec
BE 0692.753.907
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MINETECH
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ROMEC RENT
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Of 3,713 companies in sector 33120 we hold annual accounts for 1,342. 813 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2012
Fiscal year end31-12
Activities, NACEBEL
33120Repair and maintenance of machinery
47400Retail sale of information and communication equipment
47430Retail trade
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:brasseur@visuel-condroz.be
Phone:0475/63.95.52