Villa-Thor

Active

Private limited companyfounded 20215 yrs activeParklaan 1, 3600 Genk, BelgiumKBO/BCE: BE 0762.745.642

Villa-Thor has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €962k and a net result of €-96k. Equity is shrinking by ~44.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 71% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

25 / 100

Weak▲ +18 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency65▲+32

Growth52▲+20

Stability94

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €24k at 30 days only on tighter terms

Liquidity short (current ratio 0.07 against 0.02 in 2024), and 42% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 68

Relative position

BE, all sectors

reference

Sector 68

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

58%

Return on assets

-5.8%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

1 d early

2024

61 d late

2023

131 d late

2022

23 d late

2021

24 d late

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€962k

2024 · €-91k

2021: €-5k 2022: €-32k 2023: €-58k 2024: €-91k

2021 → 2025

Total assets

€1.66M▲ 253%

2024 · €470k

2021: €169k 2022: €454k 2023: €474k 2024: €470k

2021 → 2025

Net result

€-96k▼ 192%

2024 · €-33k

2021: €-15k 2022: €-27k 2023: €-26k 2024: €-33k

2021 → 2025

Working capital

€-203k▼ 264%

2024 · €-56k

2021: €-6k 2022: €32k 2023: €-23k 2024: €-56k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-5k-€-32k▼ 508%€-58k▼ 79.6%€-91k▼ 56.8%€962k

Operating result€-14k-€-23k▼ 68.4%€-18k▲ 21.1%€-26k▼ 39.8%€-87k▼ 239%

Net result€-15k-€-27k▼ 76.7%€-26k▲ 4.7%€-33k▼ 28.1%€-96k▼ 192%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €87k in 2025 against €26k in 2024; the loss grows and 2025 is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.66M

99.1%

Fixed assets €1.65M▲ 251%

Current assets €14k▲ 1,143%

Equity and liabilities €1.66M

58.0%

42.0%

Equity €962k

Debt €697k

Debt finances 42.0% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-34k▼

2024 · €-2k

Cash flow

€-44k▼

2024 · €-10k

Solvency

58.0%▲

2024 · -19.4%

Current ratio

0.07▲

2024 · 0.02

Quick ratio

0.07▲

2024 · 0.02

Debt / equity

0.72▲

2024 · -6.15

ROE

-10.0%▼

2024 · 36.2%

ROA

-5.8%▲

2024 · -7.0%

Interest coverage

-3.68▼

2024 · -0.30

Debt

€697k▲

2024 · €561k

Debt ≤ 1 year

€217k▲

2024 · €57k

Debt > 1 year

€480k▼

2024 · €504k

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€470k€1.66M▲

Formation expenses20€0-

Fixed assets21/28€469k€1.65M▲

Intangible fixed assets21€617€317▼

Tangible fixed assets22/27€468k€1.65M▲

Land and buildings22€462k€1.64M▲

Plant, machinery and equipment23€1k€611▼

Furniture and vehicles24€5k€4k▼

Other tangible fixed assets26€0-

Current assets29/58€1k€14k▲

Amounts receivable within one year40/41€931€10k▲

Trade receivables40€121€7k▲

Other amounts receivable41€810€3k▲

Cash at bank and in hand54/58€3€516▲

Deferred charges and accrued income490/1€210€4k▲

Equity and liabilities

Total equity and liabilities10/49€470k€1.66M▲

Equity10/15€-91k€962k▲

Contributions10/11€10k€1.16M▲

Profit (loss) carried forward14€-101k€-198k▼

Amounts payable17/49€561k€697k▲

Amounts payable after more than one year17€504k€480k▼

Financial debts170/4€504k€480k▼

Amounts payable within one year42/48€57k€217k▲

Current portion of amounts payable after more than one year42€24k€24k▲

Financial debts43€2k€0▼

Credit institutions430/8€2k€0▼

Trade debts44€7k€34k▲

Suppliers440/4€7k€34k▲

Taxes, remuneration and social security45-€434

Taxes450/3-€434

Other amounts payable47/48€24k€158k▲

Accrued charges and deferred income492/3€795€795=

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€53k▲

Other operating charges640/8€790€900▲

Gross operating margin9900€-1k€-33k▼

Operating profit (loss)9901€-26k€-87k▼

Financial income75/76B€1€13▲

Recurring financial income75€1€13▲

Financial charges65/66B€7k€9k▲

Recurring financial charges65€7k€9k▲

Profit (loss) for the period before taxes9903€-33k€-96k▼

Profit (loss) for the period9904€-33k€-96k▼

Profit (loss) for the period to be appropriated9905€-33k€-96k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-101k€-198k▼

Profit (loss) brought forward from the previous period14P€-68k€-101k▼

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 9Financial 3Gazette 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

26-08

State Gazette act Resignations & appointments

General meeting · Director resignation · Director discharge11 facts ▸

General meeting, 2026-08-12
Director resignation, Sophie Paredis (bestuurder)
Director resignation, Yannick Leroux (bestuurder)
Director resignation, Marc Maes (bestuurder)
Director resignation, Mireille Tits (bestuurder)
Director discharge, Sophie Paredis
Director discharge, Yannick Leroux
Director discharge, Marc Maes
Director discharge, Mireille Tits
Director appointment, B & S Immo Consult CommV (bestuurder)
Permanent representative, Ben Verkuringen

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-96k

Net result drops to €-96k, the lowest in the series.

31-12

Financial Equity above €500kEq €962k

Equity rises from €-91k to €962k.

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

09-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 131 days late

2023

23-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 23 days late

2022

31-12

Financial Liquidity doublescurrent ratio 1.91

Current ratio from 0.79 to 1.91.

24-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 24 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 directors, no change since 2026

B & S Immo Consult

Director · since 12-08-2026 · Limited partnership · perm. rep.: Ben Verkuringen

Current

12-08-2026 B & S Immo Consult: Appointed as Director

12-08-2026 Marc Maes: Resigned as Director

12-08-2026 Mireille Tits: Resigned as Director

12-08-2026 Sophie Paredis: Resigned as Director

12-08-2026 Yannick Leroux: Resigned as Director

Location & real-estate footprint

Registered office, Genk · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Parklaan 13600 Genk

Ground area

429 m²

Building footprint

429 m²

Volume, LiDAR

4,987 m³

Parcel 71308A0823/00H000, Flanders · tallest building 23.3 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

Villa-Thor

Parklaan 1, 3600 GenkReal estate development

since 20212.312.821.082

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71308A0823/00H000	Flanders	429 m²	1 · 429 m²	23.3 m · 4 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.

Structure & network

Ownership & control

1 party

Control over this companysits on this company's board1

B & S Immo Consult

1 subsidiary · 3 locations

controls

Villa-ThorBE 0762.745.642

Similar companies · same sector, comparable size

DULLE GRIET

BE 0444.992.448

Sint-Lambrechts-Woluwe · Eq €962k

Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 4,827 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-02-2021

Fiscal year end31-12

Activities, NACEBEL

68201Renting and operating of own or leased residential real estate, excluding social housing

68203Renting and operating of own or leased non-residential real estate, excluding land

68204Real estate activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.