Guy@vises
ActiveSummary
Guy@vises has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €8k. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-16
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 12.65 against 14.92 in 2024; short-term debt: 7.7% and cash: 42.2% of total assets), and 7.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
92.3%
Return on assets
11.8%
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
12 d early
2023
18 d early
2022
16 d late
2021
19 d late
2020
25 d late
2019
28 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▲ 14.7%
2024 · €56k
2018: €-46k
2019: €-51k
2020: €-51k
2021: €-38k
2022: €10k
2023: €33k
2024: €56k
2018 → 2025
Total assets
€70k▲ 16.3%
2024 · €60k
2018: €37k
2019: €24k
2020: €14k
2021: €19k
2022: €34k
2023: €44k
2024: €60k
2018 → 2025
Net result
€8k▼ 64.6%
2024 · €23k
2018: €-732
2019: €-4k
2020: €-757
2021: €13k
2022: €49k
2023: €23k
2024: €23k
2018 → 2025
Working capital
€63k▲ 16.4%
2024 · €54k
2018: €2k
2019: €2k
2020: €1k
2021: €12k
2022: €28k
2023: €34k
2024: €54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-38k-€10k€33k▲ 216%€56k▲ 71.1%€65k▲ 14.7%
Operating result€16k-€50k▲ 206%€28k▼ 44.0%€29k▲ 4.1%€12k▼ 58.8%
Net result€13k-€49k▲ 269%€23k▼ 53.6%€23k▲ 4.0%€8k▼ 64.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 59% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€2k ▼ 19.8%
Current assets
€68k ▲ 17.9%
Equity and liabilities €70k
Equity
€65k ▲ 14.7%
Debt
€5k ▲ 39.1%
Debt's share of the balance-sheet total rises from 6.4% to 7.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €30k
Cash flow
€9k▼
2024 · €24k
Current ratio
12.65▼
2024 · 14.92
Quick ratio
12.09▼
2024 · 12.54
Debt to equity
0.08▲
2024 · 0.07
ROE
12.8%▼
2024 · 41.5%
ROA
11.8%▼
2024 · 38.9%
Interest coverage
50.60▲
2024 · 39.45
Debt ≤ 1 year
€5k▲
2024 · €4k
Income taxes
€4k▼
2024 · €10k
Staff costs
€3k=
2024 · €3k
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 · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€60k€70k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€2k€2k▼
Financial fixed assets28€241€241=
Current assets29/58€58k€68k▲
Stocks and contracts in progress3€9k€3k▼
Stocks30/36€9k€3k▼
Amounts receivable within one year40/41€13k€35k▲
Trade receivables40€11k€25k▲
Other amounts receivable41€2k€10k▲
Cash at bank and in hand54/58€35k€30k▼
Equity and liabilities
Total equity and liabilities10/49€60k€70k▲
Equity10/15€56k€65k▲
Contributions10/11€19k€19k=
Reserves13€38k€46k▲
Distributable reserves133€38k€46k▲
Amounts payable17/49€4k€5k▲
Amounts payable within one year42/48€4k€5k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€3k€3k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€478€523▲
Other operating charges640/8€1k€878▼
Gross operating margin9900€34k€16k▼
Operating profit (loss)9901€29k€12k▼
Financial income75/76B€5k€216▼
Recurring financial income75€5k€216▼
Financial charges65/66B€758€250▼
Recurring financial charges65€758€250▼
Profit (loss) for the period before taxes9903€34k€12k▼
Income taxes67/77€10k€4k▼
Profit (loss) for the period9904€23k€8k▼
Profit (loss) for the period to be appropriated9905€23k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€8k▼
Transfer to equity691/2€23k€8k▼
To other reserves6921€23k€8k▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 14.92
Current ratio from 4.57 to 14.92; short-term debt falls from €9k to €4k.
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Highest result since 2018net €49k ▲269%
Operating result €50k, net result €49k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.03
Current ratio from 2.88 to 6.03; short-term debt falls from €6k to €6k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.88
Current ratio from 1.10 to 2.88; short-term debt falls from €12k to €6k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Rumst · 1 establishment unit since 2011
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.
Nieuwstraat 852840 RumstGround area
675 m²
Building footprint
129 m²
Volume, LiDAR
809 m³
Parcel 11045A0164/00G000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Guy@vises
since 20112.203.441.805
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11045A0164/00G000 | Flanders | 675 m² | 1 · 129 m² | 9.6 m · 2 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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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,510 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
Founded19-09-2011
Fiscal year end31-12
Trade name NL
it@vises - safety@vises - Earplugs & More
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.