VIJVERWOLF
ActiveVIJVERWOLF has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €106k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 3668 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
85
/ 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
Profitability100▲+7
Solvency85▲+27
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.12 in 2024; short-term debt: 39.6% and cash: 59% of total assets), and 39.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
60.4%
Return on assets
42.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
29 d late
2023
35 d early
2022
37 d early
2021
22 d early
2021
96 d early
2020
133 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€152k▲ 235%
2024 · €45k
2019: €17k
2020: €14k
2021: €14k
2021: €40k
2022: €15k
2023: €17k
2024: €45k
2019 → 2025
Total assets
€251k▲ 84.4%
2024 · €136k
2019: €284k
2020: €302k
2021: €234k
2021: €589k
2022: €469k
2023: €274k
2024: €136k
2019 → 2025
Net result
€106k▲ 274%
2024 · €28k
2019: €-2k
2020: €-3k
2021: €575
2021: €26k
2022: €-25k
2023: €2k
2024: €28k
2019 → 2025
Working capital
€113k▲ 909%
2024 · €11k
2019: €3k
2020: €-9k
2021: €-8k
2021: €16k
2022: €-18k
2023: €-17k
2024: €11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€15k▼ 62.6%€17k▲ 12.8%€45k▲ 169%€152k▲ 235%
Operating result€29k-€-19k€8k€36k▲ 346%€147k▲ 308%
Net result€26k-€-25k€2k€28k▲ 1,391%€106k▲ 274%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 308% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €251k
Fixed assets
€39k▲ 14.5%
Current assets
€212k▲ 108%
Equity and liabilities €251k
Equity
€152k▲ 235%
Debt
€100k▲ 9.5%
The debt ratio falls from 66.7% to 39.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€155k▲
2024 · €43k
Cash flow
€114k▲
2024 · €36k
Solvency
60.4%▲
2024 · 33.3%
Current ratio
2.13▲
2024 · 1.12
Quick ratio
2.02▲
2024 · 0.89
Debt / equity
0.66▼
2024 · 2.01
ROE
70.1%▲
2024 · 62.8%
ROA
42.3%▲
2024 · 20.9%
Interest coverage
25.79▲
2024 · 5.72
Debt
€100k▲
2024 · €91k
Debt ≤ 1 year
€100k▲
2024 · €91k
Income taxes
€34k
Staff costs
€500k▲
2024 · €351k
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€136k€251k▲
Fixed assets21/28€34k€39k▲
Tangible fixed assets22/27€25k€30k▲
Plant, machinery and equipment23€20k€22k▲
Furniture and vehicles24€5k€7k▲
Other tangible fixed assets26€634€346▼
Financial fixed assets28€9k€9k=
Current assets29/58€102k€212k▲
Stocks and contracts in progress3€21k€11k▼
Stocks30/36€21k€11k▼
Amounts receivable within one year40/41€14k€52k▲
Other amounts receivable41€14k€52k▲
Cash at bank and in hand54/58€67k€148k▲
Deferred charges and accrued income490/1€663€986▲
Equity and liabilities
Total equity and liabilities10/49€136k€251k▲
Equity10/15€45k€152k▲
Contributions10/11€6k€6k=
Reserves13€4k€4k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€2k€2k=
Profit (loss) carried forward14€35k€142k▲
Amounts payable17/49€91k€100k▲
Amounts payable within one year42/48€91k€100k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€51k€43k▼
Suppliers440/4€51k€43k▼
Taxes, remuneration and social security45€33k€49k▲
Taxes450/3€18k€21k▲
Remuneration and social security454/9€16k€28k▲
Other amounts payable47/48€7k€7k=
Income statement
Code20242025
Remuneration, social security and pensions62€351k€500k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€16k€19k▲
Gross operating margin9900€410k€674k▲
Operating profit (loss)9901€36k€147k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€28k€141k▲
Income taxes67/77-€34k
Profit (loss) for the period9904€28k€106k▲
Profit (loss) for the period to be appropriated9905€28k€106k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€142k▲
Profit (loss) brought forward from the previous period14P€7k€35k▲
Social balance
Average headcount (FTE)90879.312.1▲
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
Next filing, fiscal year 2026, expected by
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
31-12
Financial
Highest result since 2019net €106k ▲274%
Operating result €147k, net result €106k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲235%
3 profitable years in a row build equity to €152k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-25k ▼198%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €575
Net result €575 after 2 loss-making years.
2020
20-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dilbeek · 1 establishment unit since 2004
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.
Gemeenteplein 91700 DilbeekGround area
239 m²
Building footprint
159 m²
Volume, LiDAR
1,541 m³
Parcel 23016D0157/00E012, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
vijverwolf
since 20042.144.138.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0157/00E012 | Flanders | 239 m² | 1 · 159 m² | 11.4 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDilbeek2.144.138.280
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,350 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2004
Fiscal year end31-12
Activities, NACEBEL
55301
55401
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.