Vizier
ActiveThe computed 12-month bankruptcy probability of Vizier is 3.6% (moderate). The 2025 annual accounts show equity of €15k and a net result of €9k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 13091 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▲+48
Solvency29▲+2
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.25 against 0.38 in 2024; short-term debt: 20.8% and cash: 3.3% of total assets), and 96.4% of the assets are financed with debt.
Credit advice 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
3.6%
Return on assets
2.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
28 d late
2024
6 d early
2023
28 d early
2022
19 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 90.4%
2024 · €8k
2022: €9k
2023: €26k
2024: €8k
2022 → 2025
Total assets
€426k▼ 3.4%
2024 · €441k
2022: €71k
2023: €103k
2024: €441k
2022 → 2025
Net result
€9k
2024 · €-18k
2022: €8k
2023: €17k
2024: €-18k
2022 → 2025
Working capital
€-66k▼ 39.5%
2024 · €-47k
2022: €-53k
2023: €16k
2024: €-47k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€26k▲ 202%€8k▼ 68.9%€15k▲ 90.4%
Operating result€8k-€20k▲ 156%€-10k€23k
Net result€8k-€17k▲ 128%€-18k€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €23k after a loss of €10k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €426k
Fixed assets
€404k▼ 1.9%
Current assets
€23k▼ 23.6%
Equity and liabilities €426k
Equity
€15k▲ 90.4%
Debt
€411k▼ 5.1%
The debt ratio falls from 98.2% to 96.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▲
2024 · €-7k
Cash flow
€56k▲
2024 · €-16k
Solvency
3.6%▲
2024 · 1.8%
Current ratio
0.25▼
2024 · 0.38
Quick ratio
0.18▼
2024 · 0.31
Debt / equity
26.59▼
2024 · 53.39
ROE
58.3%▲
2024 · -221.8%
ROA
2.1%▲
2024 · -4.1%
Interest coverage
4.89▲
2024 · -0.75
Debt
€411k▼
2024 · €433k
Debt ≤ 1 year
€89k▲
2024 · €77k
Debt > 1 year
€322k▼
2024 · €356k
Staff costs
€91k▲
2024 · €78k
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€441k€426k▼
Fixed assets21/28€412k€404k▼
Tangible fixed assets22/27€412k€404k▼
Plant, machinery and equipment23€119k€13k▼
Furniture and vehicles24€41k€5k▼
Other tangible fixed assets26€251k€386k▲
Current assets29/58€30k€23k▼
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€23k€2k▼
Trade receivables40€906€2k▲
Other amounts receivable41€22k-
Cash at bank and in hand54/58-€14k
Deferred charges and accrued income490/1€710€710=
Equity and liabilities
Total equity and liabilities10/49€441k€426k▼
Equity10/15€8k€15k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€7k€14k▲
Amounts payable17/49€433k€411k▼
Amounts payable after more than one year17€356k€322k▼
Financial debts170/4€356k€322k▼
Amounts payable within one year42/48€77k€89k▲
Current portion of amounts payable after more than one year42€25k€31k▲
Financial debts43€16k-
Credit institutions430/8€16k-
Trade debts44€23k€41k▲
Suppliers440/4€23k€41k▲
Taxes, remuneration and social security45€13k€15k▲
Taxes450/3€2k€6k▲
Remuneration and social security454/9€10k€9k▼
Other amounts payable47/48-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€78k€91k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€47k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€72k€164k▲
Operating profit (loss)9901€-10k€23k▲
Financial income75/76B€1k€5▼
Recurring financial income75€1k€5▼
Financial charges65/66B€10k€14k▲
Recurring financial charges65€10k€14k▲
Profit (loss) for the period before taxes9903€-18k€9k▲
Profit (loss) for the period9904€-18k€9k▲
Profit (loss) for the period to be appropriated9905€-18k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€16k▲
Profit (loss) brought forward from the previous period14P€25k€7k▼
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-18k ▼203%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €17k ▲128%
Net result €17k, the highest in the series.
31-12
Financial
Liquidity times 18current ratio 2.51
Current ratio from 0.14 to 2.51; short-term debt falls from €62k to €11k.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Edegem · 1 establishment unit since 2022
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.
Hovestraat 472650 EdegemGround area
198 m²
Parcel 11472B0095/02F004, Flanders. Linked by address, not a title deed.
1 establishment unit
Vizier
since 20222.328.136.491
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0095/02F004 | Flanders | 198 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEdegem2.328.136.491
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Of 7,510 companies in sector 56210 we hold annual accounts for 2,445. 1,721 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2022
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.