Victor.T Construct
ActiveThe computed 12-month bankruptcy probability of Victor.T Construct is 9.9% (elevated). The 2025 annual accounts show negative equity (€-10k) and a net result of €-10k. Its solvency ranks better than 5% of 27451 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
7
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-74
Solvency0▼-29
Growth32
Track record82
Bankruptcy probability, 12 months
9.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.47; short-term debt: 210.8% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-110.8%
Return on assets
-112.2%
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year €-10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 2 filingsDeviation from the deadline
2025
24 d late
2024
on the day
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-10k
2024 · €123
2024: €123
2024 → 2025
Total assets
€9k▲ 204%
2024 · €3k
2024: €3k
2024 → 2025
Net result
€-10k
2024 · €123
2024: €123
2024 → 2025
Working capital
€-10k▼ 1,391%
2024 · €-648
2024: €-648
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€123-€-10k
Operating result€172-€-10k
Net result€123-€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €172 in 2024.
Key figures and ratios
EBITDA
€-9k▼
2024 · €943
Cash flow
€-9k▼
2024 · €894
Solvency
-110.8%
Current ratio
0.47
Quick ratio
0.47
Debt / equity
-1.90
ROA
-112.2%
Interest coverage
-308.37▼
2024 · 51.97
Debt
€18k▲
2024 · €3k
Debt ≤ 1 year
€18k▲
2024 · €3k
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€3k€9k▲
Formation expenses20€771-
Current assets29/58€2k€9k▲
Amounts receivable within one year40/41€2k€8k▲
Trade receivables40€2k€8k▲
Other amounts receivable41€441€805▲
Cash at bank and in hand54/58€25€1▼
Deferred charges and accrued income490/1-€322
Equity and liabilities
Total equity and liabilities10/49€3k€9k▲
Equity10/15€123€-10k▼
Profit (loss) carried forward14€123€-10k▼
Amounts payable17/49€3k€18k▲
Amounts payable within one year42/48€3k€18k▲
Trade debts44€1k€9k▲
Suppliers440/4€1k€9k▲
Taxes, remuneration and social security45€31€5k▲
Taxes450/3€31€31=
Remuneration and social security454/9-€5k
Other amounts payable47/48€2k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€771€771=
Other operating charges640/8-€1k
Gross operating margin9900€943€-8k▼
Operating profit (loss)9901€172€-10k▼
Financial charges65/66B€18€29▲
Recurring financial charges65€18€29▲
Profit (loss) for the period before taxes9903€154€-10k▼
Income taxes67/77€31-
Profit (loss) for the period9904€123€-10k▼
Profit (loss) for the period to be appropriated9905€123€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123€-10k▼
Profit (loss) brought forward from the previous period14P-€123
The notes to these accounts (4 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Sint-Joost-ten-Node · 1 establishment unit since 2024
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.
Vanderhoevenstraat 181210 Sint-Joost-ten-NodeGround area
134 m²
Building footprint
84 m²
Volume, LiDAR
1,032 m³
Parcel 21572C0024/00K008, Brussels · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Victor.T Construct
since 20242.363.312.552
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572C0024/00K008 | Brussels | 134 m² | 1 · 84 m² | 16.3 m · 5 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 8,452 companies in sector 43120 we hold annual accounts for 3,231. 33 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2024
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
43992Specialised construction activities
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.