VITUR
ActiveSummary
The annual accounts of VITUR for fiscal year 2025 show a net loss of 182% of total assets and of 95% of the equity at the start of that year. The 2025 annual accounts show equity of €485 and a net result of -€8,948. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 26% of 11502 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency35▼-65
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192122232425
2018 to 2025 · latest year -€8,948
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
49 d late
2023
198 d late
2022
564 d late
2021
152 d late
2019
27 d late
2018
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 141 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€485▼ 94.9%
2024 · €9,433
Total assets
€4,918▼ 50.8%
2024 · €10,000
Net result
-€8,948▼ 8.8%
2024 · -€8,225
Working capital
€485▼ 94.9%
2024 · €9,433
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€31-€799-€125-€8,125▼ 6,400%-€8,889▼ 9.4%
Net result-€6,388below the sector's middle half--€4,281below the sector's middle half▲ 33.0%-€125within the sector's middle half▲ 97.1%-€8,225below the sector's middle half▼ 6,480%-€8,948below the sector's middle half▼ 8.8%
Equity€22,063within the sector's middle half-€17,783below the sector's middle half▼ 19.4%€17,658within the sector's middle half▼ 0.7%€9,433within the sector's middle half▼ 46.6%€485below the sector's middle half▼ 94.9%
Total assets€31,866below the sector's middle half-€24,860below the sector's middle half▼ 22.0%€23,500below the sector's middle half▼ 5.5%€10,000below the sector's middle half▼ 57.4%€4,918below the sector's middle half▼ 50.8%
Debt€9,803-€7,077▼ 27.8%€5,842▼ 17.4%€567▼ 90.3%€4,433▲ 681%
Working capital€8,563within the sector's middle half-€4,283below the sector's middle half▼ 50.0%€4,158within the sector's middle half▼ 2.9%€9,433within the sector's middle half▲ 127%€485within the sector's middle half▼ 94.9%
Solvency69.2%above the sector's middle half-71.5%above the sector's middle half▲ 2.3pp75.1%above the sector's middle half▲ 3.6pp94.3%above the sector's middle half▲ 19.2pp
Current ratio1.87within the sector's middle half-1.61within the sector's middle half▼ 0.271.71within the sector's middle half▲ 0.1117.63above the sector's middle half▲ 15.91
Return on assets (ROA)-20.0%below the sector's middle half--17.2%below the sector's middle half▲ 2.8pp-0.5%within the sector's middle half▲ 16.7pp-82.3%below the sector's middle half▼ 81.7pp
Staff (FTE)0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8,889 in 2025 against €8,125 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €4,918
Equity
€485 ▼ 94.9%
Debt
€4,433 ▲ 681%
Debt's share of the balance-sheet total rises from 5.7% to 90.1%. Equity is lower and debt is higher.
Key figures and ratios
Debt ≤ 1 year
€4,433▲
2024 · €567
Ratios withheld: a balance sheet total of €4,918 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 541 companies that looked in July 2024 the way this one looks now, 4.4% went bankrupt within 24 months and 86% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a loss of 10% of the balance sheet or more
4.4%
went bankrupt
8.5%
stopped otherwise
86%
still going
A further 1.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 541 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | -€1,304 | €0 | - | - | - | - |
| Other operating charges640/8 | €978 | €50 | €125 | €250 | €2,468 | ▲ 887% |
| Non-recurring operating charges66A | - | - | - | €7,875 | €0 | ▼ 100% |
| Gross operating margin9900 | -€356 | €849 | €0 | - | -€6,421 | - |
| Operating profit (loss)9901 | -€31 | €799 | -€125 | -€8,125 | -€8,889 | ▼ 9.4% |
| Financial income75/76B | - | €303 | €0 | - | - | - |
| Recurring financial income75 | - | €303 | €0 | - | - | - |
| Non-recurring financial income76B | - | €303 | €0 | - | - | - |
| Financial charges65/66B | €37 | €40 | €0 | €100 | €59 | ▼ 41.2% |
| Recurring financial charges65 | €37 | €40 | €0 | €100 | €59 | ▼ 41.2% |
| Profit (loss) for the period before taxes9903 | -€67 | €1,062 | -€125 | -€8,225 | -€8,948 | ▼ 8.8% |
| Income taxes67/77 | €6,320 | €5,342 | €0 | - | - | - |
| Profit (loss) for the period9904 | -€6,388 | -€4,281 | -€125 | -€8,225 | -€8,948 | ▼ 8.8% |
| Profit (loss) for the period to be appropriated9905 | -€6,388 | -€4,281 | -€125 | -€8,225 | -€8,948 | ▼ 8.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €31,866 | €24,860 | €23,500 | €10,000 | €4,918 | ▼ 50.8% |
| Fixed assets21/28 | €13,500 | €13,500 | €13,500 | €0 | - | - |
| Financial fixed assets28 | €13,500 | €13,500 | €13,500 | €0 | - | - |
| Current assets29/58 | €18,366 | €11,360 | €10,000 | €10,000 | €4,918 | ▼ 50.8% |
| Amounts receivable within one year40/41 | €18,344 | €10,000 | €10,000 | €10,000 | €0 | ▼ 100% |
| Trade receivables40 | €1,344 | €0 | - | - | - | - |
| Other amounts receivable41 | €17,000 | €10,000 | €10,000 | €10,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €22 | €1,360 | €0 | - | €4,918 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €31,866 | €24,860 | €23,500 | €10,000 | €4,918 | ▼ 50.8% |
| Equity10/15 | €22,063 | €17,783 | €17,658 | €9,433 | €485 | ▼ 94.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | €9,663 | €5,383 | €5,258 | -€2,967 | -€11,915 | ▼ 302% |
| Amounts payable17/49 | €9,803 | €7,077 | €5,842 | €567 | €4,433 | ▲ 681% |
| Amounts payable within one year42/48 | €9,803 | €7,077 | €5,842 | €567 | €4,433 | ▲ 681% |
| Trade debts44 | €303 | €50 | €125 | €250 | €1,893 | ▲ 657% |
| Suppliers440/4 | €303 | €50 | €125 | €250 | €1,893 | ▲ 657% |
| Taxes, remuneration and social security45 | - | €278 | €278 | €278 | €0 | ▼ 100% |
| Taxes450/3 | - | €278 | €278 | €278 | €0 | ▼ 100% |
| Other amounts payable47/48 | €9,500 | €6,749 | €5,439 | €39 | €2,539 | ▲ 6,336% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,388 | -€4,281 | -€125 | -€8,225 | -€8,948 | ▼ 8.8% |
| Operating cash flow (approximation) | -€6,388 | -€4,281 | -€125 | -€8,225 | -€8,948 | ▼ 8.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €13,500 | - | - |
| Change in cash | - | €1,337 | -€1,360 | - | - | - |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€8,948
Net result drops to -€8,948, the lowest in the series.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
14-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 198 days late
14-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 564 days late
2024
31-12
Financial
Liquidity times 10current ratio 17.63
Current ratio from 1.71 to 17.63; short-term debt falls from €5,842 to €567.
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Schilde · 1 establishment unit since 2004
Ground area
1,259 m²
Building footprint
377 m²
Volume, LiDAR
4,795 m³
Parcel 11922B0546/00H002, Flanders · tallest building 33.9 m, ±4 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Red Carrots
since 20042.145.096.008
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922B0546/00H002 | Flanders | 1,259 m² | 1 · 377 m² | 33.9 m · 4 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.
Similar companies · same sector, comparable size
GALERIE ROBERT VAN ROMPAEY
BE 0444.817.353
Antwerpen · Eq €474
GIGE
BE 0898.276.319
Zonhoven · Eq €448
STERWATER HOLDING
BE 0667.849.354
Schilde · Eq €534
HOUSE OF ANLI
BE 0478.600.869
Antwerpen · Eq €549
NXI Technology Europe
BE 0707.701.904
Heist-op-den-Berg · Eq €603
Of 1,173 companies in sector 46499 we hold annual accounts for 743. 30 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
Founded29-12-2004
Fiscal year end31-12
Activities, NACEBEL 2025
46499Wholesale of other household goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0870869166
Also
9925:BE0870869166
Registered
10-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.