FX Vet SPRLU
ActiveSummary
FX Vet SPRLU has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €203k and a net result of €10k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 51% of 1470 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability53▼-24
Solvency80▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.95 against 2.02 in 2023; short-term debt: 44.3% and cash: 34% of total assets), and 45.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 75
Relative position
BE, all sectors
reference
Sector 75
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-09-2025, 47 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
47 d late
2023
5 d early
2022
22 d late
2021
31 d late
2020
26 d late
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€203k▲ 5.1%
2023 · €193k
2019: €54k
2020: €103k
2021: €139k
2022: €173k
2023: €193k
2019 → 2024
Total assets
€371k▲ 12.4%
2023 · €330k
2019: €185k
2020: €189k
2021: €253k
2022: €289k
2023: €330k
2019 → 2024
Net result
€10k▼ 56.4%
2023 · €23k
2019: €42k
2020: €56k
2021: €35k
2022: €34k
2023: €23k
2019 → 2024
Working capital
€155k▲ 16.4%
2023 · €134k
2019: €-29k
2020: €25k
2021: €53k
2022: €85k
2023: €134k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€103k-€139k▲ 34.3%€173k▲ 24.2%€193k▲ 12.1%€203k▲ 5.1%
Operating result€74k-€47k▼ 35.9%€50k▲ 5.2%€36k▼ 27.5%€23k▼ 37.0%
Net result€56k-€35k▼ 36.2%€34k▼ 5.3%€23k▼ 32.5%€10k▼ 56.4%
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; 2024 is 37% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €371k
Fixed assets
€51k ▼ 22.9%
Current assets
€320k ▲ 21.2%
Equity and liabilities €371k
Equity
€203k ▲ 5.1%
Debt
€167k ▲ 22.6%
Debt's share of the balance-sheet total rises from 41.4% to 45.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▼
2023 · €61k
Cash flow
€25k▼
2023 · €47k
Current ratio
1.95▼
2023 · 2.02
Quick ratio
1.73▼
2023 · 1.73
Debt to equity
0.82▲
2023 · 0.71
ROE
4.9%▼
2023 · 11.7%
ROA
2.7%▼
2023 · 6.9%
Interest coverage
3.73▼
2023 · 10.44
Debt ≤ 1 year
€164k▲
2023 · €130k
Income taxes
€3k▼
2023 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€330k€371k▲
Fixed assets21/28€66k€51k▼
Intangible fixed assets21€40k€32k▼
Tangible fixed assets22/27€26k€19k▼
Plant, machinery and equipment23€22k€18k▼
Furniture and vehicles24€4k€1k▼
Current assets29/58€264k€320k▲
Stocks and contracts in progress3€38k€36k▼
Stocks30/36€38k€36k▼
Amounts receivable within one year40/41€110k€157k▲
Trade receivables40€105k€157k▲
Other amounts receivable41€5k€70▼
Cash at bank and in hand54/58€116k€126k▲
Deferred charges and accrued income490/1€622€663▲
Equity and liabilities
Total equity and liabilities10/49€330k€371k▲
Equity10/15€193k€203k▲
Contributions10/11€12k€12k=
Reserves13€137k€137k=
Distributable reserves133€137k€137k=
Profit (loss) carried forward14€44k€54k▲
Amounts payable17/49€136k€167k▲
Amounts payable within one year42/48€130k€164k▲
Trade debts44€13k€13k▲
Suppliers440/4€13k€13k▲
Taxes, remuneration and social security45€16k€21k▲
Taxes450/3€16k€21k▲
Other amounts payable47/48€101k€130k▲
Accrued charges and deferred income492/3€6k€3k▼
Income statement
Code20232024
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€15k▼
Other operating charges640/8€2k€436▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€62k€40k▼
Operating profit (loss)9901€36k€23k▼
Financial income75/76B€531-
Recurring financial income75€55-
Non-recurring financial income76B€475-
Financial charges65/66B€6k€10k▲
Recurring financial charges65€6k€10k▲
Profit (loss) for the period before taxes9903€31k€13k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€23k€10k▼
Profit (loss) for the period to be appropriated9905€23k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€54k▼
Profit (loss) brought forward from the previous period14P€43k€44k▲
Transfer to equity691/2€20k-
To other reserves6921€20k-
Profit to be distributed694/7€2k-
Directors or managers695€2k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
2024
31-12
Financial
Weakest financial yearnet €10k ▼56.4%
Net result drops to €10k, the lowest in the series.
31-12
Financial
Equity above €200kEq €203k ▲5.1%
6 profitable years in a row build equity to €203k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Equity above €150kEq €173k ▲24.2%
4 profitable years in a row build equity to €173k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Highest result since 2019net €56k ▲33.9%
Operating result €74k, net result €56k, both a record.
31-12
Financial
Equity above €100kEq €103k ▲92%
2 profitable years in a row build equity to €103k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 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, Huy · 1 establishment unit since 2019
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.
Chemin de Morogne 24500 HuyGround area
749 m²
Building footprint
156 m²
Volume, LiDAR
1,684 m³
Parcel 61007B0338/00B004, Wallonia · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Chemin de Morogne 2, 4500 Huy
since 20192.288.658.382
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61007B0338/00B004 | Wallonia | 749 m² | 1 · 156 m² | 12.9 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.
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DIERENARTSENPRAKTIJK DE LOVAART
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Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 1,646 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32000000