VANIOS
ActiveVANIOS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €665k and a net result of €167k. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 4860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+4
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 4.34 against 3.42 in 2024; short-term debt: 22.8% and cash: 62.1% of total assets), and 22.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
77.2%
Return on assets
19.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 8 filingsDeviation from the deadline
2025
14 d late
2024
54 d late
2023
31 d late
2023
1 d early
2022
on the day
2021
2 d late
2020
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€167k▲ 40.5%
2024 · €119k
2019: €78k
2020: €42k
2021: €38k
2022: €84k
2023: €114k
2023: €64k
2024: €119k
2019 → 2025
Working capital
€657k▲ 29.2%
2024 · €508k
2019: €96k
2020: €125k
2021: €153k
2022: €220k
2023: €322k
2023: €387k
2024: €508k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202320242025Trend
Equity€230k-€334k▲ 45.0%€397k▲ 19.1%€516k▲ 30.0%€665k▲ 28.8%
Operating result€104k-€153k▲ 46.9%€93k▼ 39.0%€165k▲ 76.4%€234k▲ 41.9%
Net result€84k-€114k▲ 35.5%€64k▼ 44.0%€119k▲ 87.4%€167k▲ 40.5%
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €862k
Fixed assets
€8k▲ 0.8%
Current assets
€854k▲ 18.8%
Equity and liabilities €862k
Equity
€665k▲ 28.8%
Debt
€197k▼ 6.5%
The debt ratio falls from 28.9% to 22.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€237k▲
2024 · €168k
Cash flow
€171k▲
2024 · €122k
Solvency
77.2%▲
2024 · 71.1%
Current ratio
4.34▲
2024 · 3.42
Quick ratio
4.10▲
2024 · 3.21
Debt / equity
0.30▼
2024 · 0.41
ROE
25.2%▲
2024 · 23.1%
ROA
19.4%▲
2024 · 16.4%
Interest coverage
103.01▲
2024 · 71.78
Debt
€197k▼
2024 · €210k
Debt ≤ 1 year
€197k▼
2024 · €210k
Income taxes
€67k▲
2024 · €47k
Staff costs
€131k▲
2024 · €108k
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€727k€862k▲
Fixed assets21/28€8k€8k▲
Tangible fixed assets22/27€8k€8k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€6k€7k▲
Financial fixed assets28€42€42=
Current assets29/58€719k€854k▲
Stocks and contracts in progress3€44k€47k▲
Stocks30/36€44k€47k▲
Amounts receivable within one year40/41€167k€71k▼
Trade receivables40€167k€71k▼
Other amounts receivable41€5€5=
Current investments50/53€200k€200k=
Cash at bank and in hand54/58€307k€535k▲
Deferred charges and accrued income490/1€622€567▼
Equity and liabilities
Total equity and liabilities10/49€727k€862k▲
Equity10/15€516k€665k▲
Reserves13€20k€102k▲
Distributable reserves133€20k€102k▲
Profit (loss) carried forward14€496k€563k▲
Amounts payable17/49€210k€197k▼
Amounts payable within one year42/48€210k€197k▼
Trade debts44€165k€147k▼
Suppliers440/4€165k€147k▼
Advances received on contracts in progress46€392€392=
Taxes, remuneration and social security45€43k€47k▲
Taxes450/3€31k€31k▲
Remuneration and social security454/9€12k€15k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€108k€131k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€753€2k▲
Non-recurring operating charges66A€9k-
Gross operating margin9900€286k€371k▲
Operating profit (loss)9901€165k€234k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€166k€234k▲
Income taxes67/77€47k€67k▲
Profit (loss) for the period9904€119k€167k▲
Profit (loss) for the period to be appropriated9905€119k€167k▲
Appropriation of the result
Profit (loss) to be appropriated9906€496k€663k▲
Profit (loss) brought forward from the previous period14P€377k€496k▲
Transfer to equity691/2-€100k
To other reserves6921-€100k
Social balance
Average headcount (FTE)90872.73.0▲
The notes to these accounts (5 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 14 days late
2025
31-12
Financial
Highest result since 2019net €167k ▲40.5%
Operating result €234k, net result €167k, both a record.
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 54 days late
2024
31-12
Financial
Equity above €500kEq €516k ▲30%
7 profitable years in a row build equity to €516k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €200kEq €230k ▲47.2%
4 profitable years in a row build equity to €230k.
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
31-03
Financial
Weakest financial yearnet €38k ▼8.8%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €150kEq €156k ▲22%
3 profitable years in a row build equity to €156k.
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Equity above €100kEq €128k ▲33.1%
2 profitable years in a row build equity to €128k.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Villers-la-Ville · 1 establishment unit since 2018
Ground area
4,742 m²
Building footprint
91 m²
Volume, LiDAR
771 m³
2 parcels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VANIOS
since 20182.275.061.556
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25098E0310/00D000indicative | Wallonia | 3,685 m² | - | - |
| 25102C0239/00P000 | Wallonia | 1,057 m² | 1 · 91 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 236 companies in sector 46419 we hold annual accounts for 130. 69 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-04-2018
Fiscal year end31-12
Activities, NACEBEL
46419Wholesale trade
47789Other retail sale of new goods
46499Wholesale of other household goods
47711Retail sale of women's outerwear
68110Buying and selling of own real estate
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
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:t.vangeet@vanios.be
Phone:0475480220