VICAJA
ActiveSummary
VICAJA has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.41M and a net result of €-260k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 63% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▼-47
Solvency94▼-6
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €460k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 10.22 in 2024; short-term debt: 26.4% and cash: 0.4% of total assets), and 31.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
68.5%
Return on assets
-2.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
6 d early
2023
7 d early
2022
53 d early
2021
54 d early
2019
46 d early
2018
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7.41M▼ 28.7%
2024 · €10.40M
2018: €7.44M
2019: €6.71M
2021: €9.81M
2022: €10.45M
2023: €10.46M
2024: €10.40M
2018 → 2025
Total assets
€10.81M▼ 6.6%
2024 · €11.58M
2018: €7.87M
2019: €7.24M
2021: €10.66M
2022: €11.61M
2023: €11.65M
2024: €11.58M
2018 → 2025
Net result
€-260k▼ 271%
2024 · €-70k
2018: €146k
2019: €241k
2021: €3.10M
2022: €937k
2023: €3k
2024: €-70k
2018 → 2025
Working capital
€2.66M▼ 51.6%
2024 · €5.50M
2018: €4.37M
2019: €3.61M
2021: €5.25M
2022: €5.47M
2023: €5.86M
2024: €5.50M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9.81M-€10.45M▲ 6.6%€10.46M=€10.40M▼ 0.5%€7.41M▼ 28.7%
Operating result€4.14M-€1.23M▼ 70.2%€-67k€-296k▼ 342%€-307k▼ 3.6%
Net result€3.10M-€937k▼ 69.8%€3k▼ 99.7%€-70k€-260k▼ 271%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €307k in 2025 against €296k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.81M
Fixed assets
€5.29M ▼ 3.4%
Current assets
€5.52M ▼ 9.5%
Equity and liabilities €10.81M
Equity
€7.41M ▼ 28.7%
Provisions
€528k ▼ 5.8%
Debt
€2.88M ▲ 366%
Debt's share of the balance-sheet total rises from 5.3% to 26.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€71k▼
2024 · €142k
Cash flow
€117k▼
2024 · €368k
Current ratio
1.93▼
2024 · 10.22
Debt to equity
0.39▲
2024 · 0.06
ROE
-3.5%▼
2024 · -0.7%
ROA
-2.4%▼
2024 · -0.6%
Interest coverage
0.59▼
2024 · 44.19
Debt ≤ 1 year
€2.86M▲
2024 · €596k
Income taxes
€0▼
2024 · €25k
Staff costs
€51k▼
2024 · €52k
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11.58M€10.81M▼
Fixed assets21/28€5.48M€5.29M▼
Tangible fixed assets22/27€5.48M€5.29M▼
Land and buildings22€5.43M€5.25M▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€49k€38k▼
Current assets29/58€6.10M€5.52M▼
Amounts receivable after more than one year29€1.70M€1.70M=
Other amounts receivable291€1.70M€1.70M=
Amounts receivable within one year40/41€144k€37k▼
Trade receivables40€14k€0▼
Other amounts receivable41€130k€37k▼
Current investments50/53€4.15M€3.72M▼
Cash at bank and in hand54/58€75k€44k▼
Deferred charges and accrued income490/1€30k€23k▼
Equity and liabilities
Total equity and liabilities10/49€11.58M€10.81M▼
Equity10/15€10.40M€7.41M▼
Contributions10/11€4.85M€2.85M▼
Reserves13€2.52M€1.69M▼
Tax-exempt reserves132€1.68M€1.58M▼
Distributable reserves133€833k€104k▼
Profit (loss) carried forward14€3.03M€2.87M▼
Provisions and deferred taxes16€561k€528k▼
Deferred taxes168€561k€528k▼
Amounts payable17/49€616k€2.88M▲
Amounts payable within one year42/48€596k€2.86M▲
Trade debts44€34k€43k▲
Suppliers440/4€34k€43k▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€7k€4k▼
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€552k€2.81M▲
Accrued charges and deferred income492/3€20k€18k▼
Income statement
Code20242025
Remuneration, social security and pensions62€52k€51k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€439k€378k▼
Other operating charges640/8€67k€73k▲
Gross operating margin9900€261k€194k▼
Operating profit (loss)9901€-296k€-307k▼
Financial income75/76B€225k€134k▼
Recurring financial income75€225k€134k▼
Financial charges65/66B€3k€119k▲
Recurring financial charges65€3k€119k▲
Profit (loss) for the period before taxes9903€-74k€-293k▼
Transfer from deferred taxes780€43k€33k▼
Transfer to deferred taxes680€14k€0▼
Income taxes67/77€25k€0▼
Profit (loss) for the period9904€-70k€-260k▼
Transfer from tax-exempt reserves789€129k€98k▼
Transfer to tax-exempt reserves689€42k€0▼
Profit (loss) for the period to be appropriated9905€17k€-162k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.05M€2.87M▼
Profit (loss) brought forward from the previous period14P€3.03M€3.03M=
Transfer from equity791/2-€729k
Transfer to equity691/2€17k€0▼
To other reserves6921€17k€0▼
Profit to be distributed694/7-€729k
Return on contributions (dividend)694-€729k
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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-260k
Net result drops to €-260k, the lowest in the series.
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Equity above €10MEq €10.45M ▲6.6%
4 profitable years in a row build equity to €10.45M.
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €3.10M ▲1,185%
Operating result €4.14M, net result €3.10M, both a record.
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
21-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 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
10 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, Roeselare · 2 establishment units since 1992
Ground area
5,847 m²
Building footprint
1,832 m²
Volume, LiDAR
9,244 m³
2 parcels, Flanders · tallest building 13.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Vicaja
since 19922.058.673.659
Vicaja
since 20032.151.837.607
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0661/00F007 | Flanders | 3,270 m² | 1 · 1,460 m² | 6.8 m · 1 fl. |
| 36505C0969/00W006 | Flanders | 2,577 m² | 1 · 372 m² | 13.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 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 82,562 companies in sector 70200 we hold annual accounts for 52,574. 8,504 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
Founded09-07-1992
Fiscal year end30-09
Activities, NACEBEL 2025
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
70200Business and other management consultancy
46190Agents in non-specialised wholesale trade
47792Retail sale of second-hand clothing
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 · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.