VRINS STEVEN
ActiveThe computed 12-month bankruptcy probability of VRINS STEVEN is 3.4% (moderate). The 2025 annual accounts show equity of €48k and a net result of €38k. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 56% of 13159 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency62▼-38
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 16.36 in 2024; short-term debt: 41.1% and cash: 34.9% of total assets), but 62.6% 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
37.4%
Return on assets
29.6%
Age of the figures
9 mo
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 · 4 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
48 d late
2022
32 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 1.5%
2024 · €47k
2022: €26k
2023: €27k
2024: €47k
2022 → 2025
Total assets
€127k▲ 139%
2024 · €53k
2022: €70k
2023: €65k
2024: €53k
2022 → 2025
Net result
€38k▲ 90.5%
2024 · €20k
2022: €21k
2023: €1k
2024: €20k
2022 → 2025
Working capital
€37k▲ 9.8%
2024 · €34k
2022: €2k
2023: €8k
2024: €34k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€26k-€27k▲ 4.8%€47k▲ 73.0%€48k▲ 1.5%
Operating result€31k-€4k▼ 88.0%€31k▲ 734%€55k▲ 76.4%
Net result€21k-€1k▼ 94.0%€20k▲ 1,483%€38k▲ 90.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 76% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127k
Fixed assets
€38k▲ 121%
Current assets
€90k▲ 148%
Equity and liabilities €127k
Equity
€48k▲ 1.5%
Debt
€80k▲ 1,148%
The debt ratio rises from 12.0% to 62.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▲
2024 · €42k
Cash flow
€46k▲
2024 · €31k
Solvency
37.4%▼
2024 · 88.0%
Current ratio
1.71▼
2024 · 16.36
Quick ratio
1.71▼
2024 · 16.36
Debt / equity
1.68▲
2024 · 0.14
ROE
79.2%▲
2024 · 42.2%
ROA
29.6%▼
2024 · 37.1%
Interest coverage
12.37▲
2024 · 10.83
Debt
€80k▲
2024 · €6k
Debt ≤ 1 year
€52k▲
2024 · €2k
Debt > 1 year
€27k▲
2024 · €4k
Income taxes
€12k▲
2024 · €8k
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€53k€127k▲
Fixed assets21/28€17k€38k▲
Tangible fixed assets22/27€17k€38k▲
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€7k€0▼
Leasing and similar rights25€5k€34k▲
Current assets29/58€36k€90k▲
Amounts receivable within one year40/41€27k€45k▲
Trade receivables40€6k€9k▲
Other amounts receivable41€20k€36k▲
Cash at bank and in hand54/58€6k€44k▲
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€53k€127k▲
Equity10/15€47k€48k▲
Contributions10/11€5k€5k=
Reserves13€42k€43k▲
Distributable reserves133€42k€43k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€6k€80k▲
Amounts payable after more than one year17€4k€27k▲
Financial debts170/4€4k€27k▲
Amounts payable within one year42/48€2k€52k▲
Current portion of amounts payable after more than one year42€1k€8k▲
Trade debts44€525€4k▲
Suppliers440/4€525€4k▲
Taxes, remuneration and social security45€249€9k▲
Taxes450/3€249€9k▲
Other amounts payable47/48€0€31k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€44k€66k▲
Operating profit (loss)9901€31k€55k▲
Financial income75/76B€249€3▼
Recurring financial income75€249€3▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€28k€50k▲
Income taxes67/77€8k€12k▲
Profit (loss) for the period9904€20k€38k▲
Profit (loss) for the period to be appropriated9905€20k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€38k▲
Transfer to equity691/2€20k€718▼
To other reserves6921€20k€718▼
Profit to be distributed694/7-€37k
Return on contributions (dividend)694-€37k
The notes to these accounts (18 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €38k ▲90.5%
Operating result €55k, net result €38k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 13current ratio 16.36
Current ratio from 1.26 to 16.36; short-term debt falls from €29k to €2k.
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Weakest financial yearnet €1k ▼94%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lommel · 1 establishment unit since 2021
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.
Reigerstraat 53920 LommelGround area
622 m²
Building footprint
156 m²
Volume, LiDAR
706 m³
Parcel 72020C1139/00A002, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VRINS STEVEN
since 20212.325.798.395
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1139/00A002 | Flanders | 622 m² | 1 · 156 m² | 6.6 m · 1 fl. |
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 siteLommel2.325.798.395
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Of 7,508 companies in sector 56210 we hold annual accounts for 2,445. 2,040 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2021
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.