Virginie Dor
ActiveSummary
Virginie Dor has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.13M and a net result of €188k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability86▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.19 against 3.82 in 2023; short-term debt: 17% and cash: 0.7% of total assets), and 17% of the assets are financed with debt.
Credit advice 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 69
Relative position
BE, all sectors
reference
Sector 69
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 2024Solvency, return and age of the figures
Solvency
83%
Return on assets
13.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-10-2025, 67 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
not confirmed
2024
67 d late
2023
56 d late
2022
9 d late
2021
30 d late
2020
89 d late
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€1.13M▼ 2.2%
2023 · €1.15M
2018: €515k
2019: €620k
2020: €795k
2021: €942k
2022: €1.07M
2023: €1.15M
2018 → 2024
Total assets
€1.36M▼ 7.9%
2023 · €1.48M
2018: €706k
2019: €850k
2020: €908k
2021: €1.08M
2022: €1.28M
2023: €1.48M
2018 → 2024
Net result
€188k▼ 22.3%
2023 · €242k
2018: €161k
2019: €135k
2020: €201k
2021: €228k
2022: €240k
2023: €242k
2018 → 2024
Working capital
€506k▼ 44.4%
2023 · €910k
2018: €418k
2019: €529k
2020: €496k
2021: €657k
2022: €815k
2023: €910k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€795k-€942k▲ 18.6%€1.07M▲ 13.8%€1.15M▲ 7.5%€1.13M▼ 2.2%
Operating result€297k-€328k▲ 10.4%€344k▲ 4.8%€377k▲ 9.6%€302k▼ 19.8%
Net result€201k-€228k▲ 13.0%€240k▲ 5.3%€242k▲ 0.9%€188k▼ 22.3%
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 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.36M
Fixed assets
€623k ▲ 156%
Current assets
€737k ▼ 40.2%
Equity and liabilities €1.36M
Equity
€1.13M ▼ 2.2%
Debt
€231k ▼ 28.3%
Debt's share of the balance-sheet total falls from 21.8% to 17.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€335k▼
2023 · €412k
Cash flow
€221k▼
2023 · €277k
Current ratio
3.19▼
2023 · 3.82
Debt to equity
0.20▼
2023 · 0.28
ROE
16.7%▼
2023 · 20.9%
ROA
13.8%▼
2023 · 16.4%
Interest coverage
6.59▼
2023 · 723.40
Debt ≤ 1 year
€231k▼
2023 · €323k
Income taxes
€101k▼
2023 · €136k
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 · 2024 against 2023 · 50 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.48M€1.36M▼
Fixed assets21/28€244k€623k▲
Tangible fixed assets22/27€155k€534k▲
Land and buildings22-€251k
Plant, machinery and equipment23€1k€701▼
Furniture and vehicles24€34k€181k▲
Other tangible fixed assets26€120k€102k▼
Financial fixed assets28€88k€88k=
Current assets29/58€1.23M€737k▼
Amounts receivable after more than one year29€300k€670k▲
Trade receivables290€300k€670k▲
Amounts receivable within one year40/41-€34k
Other amounts receivable41-€34k
Current investments50/53€500k€16k▼
Cash at bank and in hand54/58€425k€9k▼
Deferred charges and accrued income490/1€8k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.48M€1.36M▼
Equity10/15€1.15M€1.13M▼
Contributions10/11€78k€17k▼
Reserves13€1.05M€1.11M▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€1.05M€1.10M▲
Profit (loss) carried forward14€22k€5k▼
Amounts payable17/49€323k€231k▼
Amounts payable within one year42/48€323k€231k▼
Trade debts44€47k€6k▼
Suppliers440/4€47k€6k▼
Taxes, remuneration and social security45€114k€51k▼
Taxes450/3€114k€51k▼
Other amounts payable47/48€162k€174k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€33k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€413k€337k▼
Operating profit (loss)9901€377k€302k▼
Financial income75/76B€1k€37k▲
Recurring financial income75€1k€37k▲
Financial charges65/66B€570€51k▲
Recurring financial charges65€570€51k▲
Profit (loss) for the period before taxes9903€378k€289k▼
Income taxes67/77€136k€101k▼
Profit (loss) for the period9904€242k€188k▼
Profit (loss) for the period to be appropriated9905€242k€188k▼
Appropriation of the result
Profit (loss) to be appropriated9906€264k€210k▼
Profit (loss) brought forward from the previous period14P€22k€22k=
Transfer from equity791/2€161k€135k▼
Transfer to equity691/2€242k€188k▼
To other reserves6921€242k€188k▼
Profit to be distributed694/7€161k€152k▼
Return on contributions (dividend)694€161k€152k▼
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
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
31-12
Financial
Highest result since 2018net €242k ▲0.9%
Operating result €377k, net result €242k, both a record.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Equity above €1MEq €1.07M ▲13.8%
5 profitable years in a row build equity to €1.07M.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €135k ▼16%
Net result drops to €135k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 49 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
2015
05-06
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, La Hulpe · 1 establishment unit since 2012
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.
Avenue des Aulnes 31310 La HulpeGround area
2,305 m²
Building footprint
286 m²
Volume, LiDAR
2,341 m³
2 parcels, Brussels, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Dekensstraat 27, 1040 Etterbeek
since 20122.207.215.006
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050F0015/00N017 | Wallonia | 2,217 m² | 1 · 220 m² | 10.4 m · 3 fl. |
| 21005A0416/00S004 | Brussels | 88 m² | 1 · 66 m² | 13.2 m · 4 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
2 locations
Recognitions · licences · registrations
Legal Entity Identifier
254900J6FAAYCZ47LK64
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 3,997 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
Founded31-01-2012
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.